milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Credit card () with U.S. BANCORP (CO).
Issue: Billing disputes

Complaint: I went to mexico and enjoyed a day of swimming with the dolphins. Once the day was finished I went to buy pictures with my credit card. During this time dolphinaris credit card machine went down. They swipped my card 5 times with no success. The dolphinaris said we will bring your pictures to your hotel for cash payment. I was ok with that. When I arrived back XXXX I noticed XXXX charges on my credit card. I immediately called US Bank and disputed the charges, the bank took off all charges and credited back my account, then one of the charges were added back to my account till I could prove I paid with cash, I asked if the bank could get my signature verification, I was told no they do n't do that and people do n't sign their cards anymore, It was up me to get prove I did not charge my card and that I paid cash for my pictures. So that is exactly what I did. I got the proof after about 3 weeks. I sent this information though XXXX mail as well as to these fax number XXXX XXXX, Every time I have sent to these numbers it appears that nothing is being done. I spoke to a XXXX, XXXX, XXXX, XXXX to XXXX again on XXXX and sent the fax over nothing was doneSpoke to XXXX XXXX XXXX and then XXXX XXXX XXXX, fax was sent nothing was done. 
spoke to case manager and she was extremely rude and unprofessional and was unwilling to help. 
Spoke to XXXX today XXXX XXXX and said that XXXX did receive my fax but was unsure what happened to the fax. XXXX stated that something on their end is not being done right and that this was not my fault. She also stated that I could send the fax to her directly. I asked what can she do that no one else in her dept has n't already promised me. She said as soon as she sees in come through she will call me. I said that is fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2015 about Debt collection (Payday loan) with PORTFOLIO RECOVERY ASSOCIATES INC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got phone calls and voice mails each day from Portfolio Recovery Associates. They claim I owe money but have never sent me a validation letter regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with Equifax. Disputed it and got a response back that I needed to have the company call Equifax and remove it. Called XXXX and XXXX and they still can not find anything to use to show Equifax to remove. I am being told they need proof for Equifax and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XXXX/XXXX/XXXX. I started this on XXXX/XXXX/XXXX to have it removed today is XXXX/XXXX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at Equifax and will be sending my complaint to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I am contacting to explain my complete frustration and concern about the total lack of privacy and security exhibited by Bank of America during my loan modification eligibility process. 
When the process started, I initially had to set up a secure account online that I automatically assumed would keep my personal information safe and protected from cyber predators.I was then asked to provide personal tax details, banking and mortgage information via electronic uploads.This information unfortunately included my social security #, my bank account details and XXXX information. 
I accessed the " secure '' Bank of America Borrower portal on the weekend to check on the status of my loan modification application and to my absolute dismay and horror I was able to look at the following : Statements and earnings information for a lady in XXXX XXXX, CA who is applying for some sort of change to her banking methods.This lady had submitted these confidential documents to Bank of America but they have been deposited in my portal and possibly other people 's portals to see.Very disturbing!!! 
Statements and social security information from a couple in XXXX XXXX, CA who are also trying to make changes to financial situation.This couple 's private information was available to view in my portal which is totally wrong and should not have happened. 
I did not see an uploaded copy of my XXXX for 2016.I wonder whose portal that is in??? 
I am extremely concerned that all of my assumed confidential information that has been disclosed electronically to Bank of America could be in the hands of potential criminals who could steal my identity and destroy me financially.It is obvious that BOA have a very insecure network that distributes very private and personal information into the wrong portals.I am also very disturbed at the lack of concern shown by telephone personnel that i spoke to when I found this problem. " it was just a mistake '' is not what I wanted to hear.It is a very serious mistake and there should be consequences for this happening. 
I have absolutely no confidence that my personal information will remain confidential with the Bank of America secure borrower portal.I have no idea who is looking at it.I will forever be checking my credit report and very concerned about identity fraud in the future. 
My lawyer and I will hold Bank of America responsible for any fraudulent activities that take place as a consequence of this very unprofessional act.At this point I am not sure if I should continue with the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion- I called on or about XX/XX/XXXX after obtaining my credit report. I noticed several unauthorized inquiries on my report. They are as followed : XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX  XXXXand XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I asked them to remove them because I did n't authorize these companies to check my credit but they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm writing to get a response from Bank of America regarding my FHA loan. I 've spent allot of time trying to get my situation resolved and to get BOA to close out my FHA loan. The property has since been foreclosed, resold, and currently under contract again to be sold. It is completely out of my name through county records but Bank of America is n't reporting it to FHA and further making it hard for me to move forward. I have been trying for well over a year calling FHA frequently to see if BOA has done their part and it continues to sit without being resolved. I have previously spoke to XXXX, my case manager, and left him a recent message hoping to get a clear answer but I 'm awaiting a response. I would greatly appreciate this to completely be finalized and closed so my family and I can move forward. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I want to submit another complaint against Chase Bank concerning my XXXX card. the original CFPB complaint # is XXXX. I have received two letters from Chase concerning my complaint. Both letters state if there are questions, please call at the respective numbers and hours. XXXX XXXX XXXX voice mail, who responded to the CFPB inquiry states he will respond within two business days. It is obvious to me Chase does not want to respond by phone. I find this behavior troubling, especially since I was a Chase card holder since XX/XX/XXXX. XXXX XXXX ; s response was the Sapphire card was issued after XX/XX/XXXX. In my original complaint, my XX/XX/XXXX statement includes an annual fee adjustment of {$55.00} dated XX/XX/XXXX which supports my claim I cancelled my Sapphire card in XX/XX/XXXX. Chase refers to a product change. I don't understand why I was issued another Sapphire card in XX/XX/XXXX. I cancelled my Chase Freedom card in XX/XX/XXXX, not my Sapphire card. The annual fee adjustment of {$55.00} was added back to my account on the XX/XX/XXXX statement. My issue with Chase is not just about the money. I believe Chase has taken advantage of me and refuses to resolve or take responsibility for their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was approved for a Home Affordable Unemployment Plan ( HAUP ) with my service provider, Bayview Loan Servicing for 6 months. In the meantime I also requested a loan modification to reduce my mortgage payments. I was told that while my modification would be in review to keep paying the reduced mortgage payments under the HAUP plan. I was denied the modification and was then told that the HAUP agreement was no longer in effect as a result of the modification being denied. I was never told that the HAUP would be cancelled if I did not get the modification I requested. I continued to send in the " reduced '' payments under the HAUP agreement as I 'm still unemployed. I have been charged late fees on my account when I am not late on my payments, my monthly statements are never accurate and I continue to get calls every month regarding the same issues of " nonpayment '' on my account when I make the payments on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with Experian, Equifax and XXXX and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There are 4 XXXX XXXX accounts which is listed as # XXXX # XXXX # XXXX # XXXX and it says on it Authorized user I was asking them several times to delete these accounts with no success

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am contacting you because XXXX keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX and a victim of identity theft and XXXX has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Statutes of Limitations for the Bankruptcy record on my credit report. 
Dismissed XXXX XXXX/XXXX/2007 Case Number XXXX in addition if the employers XXXX XXXX and XXXX Broker be removed. 

Thx

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Medical) with Alpine Credit, Inc (CO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On Thursday XXXX XXXX, 2016 I received a call on my cell phone at XXXX from number XXXX. I answered the phone and the party on the other side said hey it 's XXXX. I replied stating who, he said again this is XXXX from Alpine Credit, I asked what the call was in relation to and he said he had a few bills in his hands. I asked him for who as I am not aware of Alpine Credit. He said I have a few medical bills here for XXXX XXXX that need to get paid. I asked again who are the bills for he said you I think yea you XXXX XXXX. I let him know I am not aware of any relationship to this company and to please send me a copy of the billing so I can look into this. He asked if I was at an old address still from 7 years ago that raised more concern. I looked up the firm on the Colorado site and they had no current license so I called the state attorney general 's office and XXXX had informed me that they use Alpine Credit Inc, but are now part of XXXX now. 

On XXXX XXXX, in the mail I received a letter stating this is my debt validation with a crudely crafted print out of some billing amounts and a card attached from XXXX. I have sent as of XXXX XXXX, 2016 the letter with copies of the items they sent requesting a clear and concise list of items to verify this debt and the ability they have to collect bearing any signature guarantee on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a trial plan offer for the XXXX Modification back in XXXX. I completed the required 3 months and am still submitting payments. My dedicated specialist had advised me that the XXXX had been approved and that my final payment would remain the same as my trial {$620.00}. I received an offer through the mail for a XXXX XXXX standard modification agreement, the offer in tails different terms than what I was told over the phone. I spoke to my dedicated loan specialist XXXX XXXX and he specified that the XXXX modification was present in their system. When I contacted Nationstar today, I was told that XXXX XXXX was my dedicated specialist, he was not available to speak so I spoke to someone else, XXXX. I was advised that the XXXX offer was not in their system. I am seeking clarity and hoping to receive the XXXX offer I was advised I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: We co-signed for our son 's loan with XXXX/navient. He is in XXXX school now. Navient is harassing, threatening judgements. The original loan was XXXX now it is XXXX. We had filed bankruptcy, which put the loan on deferment. They now will not work with us for a lower payment as my son is a full time XXXX student for another year. Please we need help as we told Navient we understand this debt needs re-paid as since XX/XX/XXXX We paid what we could, but Navient wasn't satisfied. We need answers. XXXX in interest is almost unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau must follow FCRA and verify original signed contract with my signature on it, according to Federal and State laws.

Company response to consumer: Closed with explanation