milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my Experian credit report, there is an account listed past due for a one month term of {$2400.00}. Neither the Experian nor the collection agency have sufficiently provided proper validation of this account. I am requesting that the following accounts be removed from my credit reports, as they have been previously removed and re-inserted more than once with incorrect info, without proper validation, a new date to reage the account and falsified information. Experian has allowed this and refused to remove. I will be filing complaints with the XXXX as well : Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX Account Name XXXX Account # XXXX Account Type Collections - non specific Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX Account Name XXXX XXXX Account # XXXX Account Type Collections - non specific Balance {$930.00} Past Due {$930.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX - Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$610.00} Past Due {$610.00} Date Opened XXXX/XXXX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX - Account Name XXXX Account # XXXX Account Type Variety Stores Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Charge-off High Balance {$0.00} Limit {$0.00} Terms Revolving

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all  XXXX  credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all   XXXX   credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You

Company response to consumer: Untimely response
Consumer complaint received 07/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I have had a Bank of America checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I would like to formally file a complaint against Equifax, Inc regarding the data breach that included my personal information ( SSN, Name, birthdate, address, etc. ). This was not brought to the public 's attention for over 30 days, including those directly affected by the breach. When contacting the phone number for what Equifax refers to as " The Incident '' on X/X/17, I was referred back to the website I previously used to determine ( www.equifaxsecurity2017.com ) that my personal information had likely been compromised & was told that the only option was for me to enroll in Equifax 's credit protection plan ( which in the fine print negates my legal rights to pursue action against the company. )

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo mis-calculated my Projected Escrow Schedule for XXXX. It reported that there was a {$470.00} escrow shortfall, but there actually is no shortfall. Wells Fargo only included 11 months of escrow, not 12 months. My monthly escrow payment is {$540.00}, but Wells Fargo did not include an escrow payment for XXXX 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 01/26/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have XXXX separate loans through Sallie Mae since the year XXXX in attempts to get through tuition costs at my University. I have since graduated from my University with a XXXX and currently have a full time job. For a year after graduating ( in XXXX XXXX ) I was on a " graduate repayment plan '' which caused my payments to be lower and affordable. This XXXX my loan repayments have gone up to $ XXXX/month which I have called multiple ( 10+ ) times in attempts to get lowered as I currently do not make enough at my full time job to afford that much in student loans as well as all of my other bills. The people at Sallie Mae have given me and my cosigners the run around every time we call. I have even tried to explain my income and expenses and my cosigners tried to explain why they were unable to help me, but they did n't care. They 've been hassling myself and my cosigners with 3-6+ calls a day even though I paid {$220.00} out of the {$380.00} on my loans which is all I can afford. Their only " options '' for me are to either put my loans in forbearance which will put me right back in the same situation I am in now just a year later, or for my cosigners to pay what I can not to make my monthly payments be the entire amount. Regardless of the fact my cosigners are unable to help with the amount Sallie Mae is asking and should n't have to as I can make payments as long as the amount is lowered. I 'm willing to pay less for longer ( which ultimately results in higher interest payments from me, but it 's what I need to do at the moment ) and they said that was unacceptable and I did n't have an option in not paying the total amount they were asking unless I took forbearance. I 'm not trying to skip out on my payments, as I 'm currently still paying what I can and up until the payments got raised I was making every payment in full on time every month. But they refuse to work with me so I can have lower affordable payments and as a result, myself and my cosigners are getting harassed, I 'm getting threatened with collections and delinquency and the possibility of ruining not only my credit but the credit of my cosigners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Payday loan) with Global Recovery Solutions (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is from a payday loan from a few years ago that I have not paid. I have been tourchered by them for over a year with threatening emails, telephone calls at work and to XXXX. party individuals that are not even associated with me. I have told them via email and via phone to quit calling me. An example, I have received XXXX phone calls between XXXX and XXXX from them.

Company response to consumer: Untimely response
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I mailed a Mu ltiple Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquires that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST  be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit Karma is displaying invalid scores and this effecting personal credit applications. I contacted them and they have not answered another than run around of confusion. XXXX shows score XXXX and Credit Karma is displaying XXXX. Attached is copy of both and Credit Karma is violating my personal information with false accuracy. Since building website showing facts of inaccuracies of credit reporting agencies ( XXXX ) they are showing inaccurate information and this has been fight for three months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX   XXXX   is trying to get my bank info so I ca n't access my check early ... I give them permission but Bank of America is taking forever

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 11/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: - I opened an Amex credit card account in XXXX XXXX with offer to receive bonus XXXX XXXX if made $ XXXX in purchases in the first XXXX billing cycles. I did this as planned to make several purchases on XXXX over next 2 years with major life events happen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I had applied for a credit card online for XXXX XXXX XXXX, with XXXX XXXX XXXX and I was denied by XXXX. XXXX. They stated My credit score as of XX/XX/XXXX was XXXX. I know for a fact what my scores are otherwise I would not have applied. I never heard of this company. They have a P.O.Box Address In XXXX XXXX, Ca. I am wondering if this consumer agency is legitimate? 


There address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX 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 10/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: i refinanced my mortgage and the company is now refusing to cancel my PMI on the agreed upon date, which was in my federal truth in lending statement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle loan) with DriveTime (UT).
Issue: Managing the loan or lease

Complaint: I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Payday loan () with BlueChip Financial (FL).
Issue: Charged fees or interest I didn't expect

Complaint: My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Experian and they stated that they can not investigate negative accounts on my credit report because they needed additional information. First of all this is a violation of the FCRA to deny me an investigation of these accounts. Second, I am not merely disputing certain aspects of these accounts as before. But, now I am disputing everything possible imaginable that is reporting on my credit regarding these accounts as well as notations. I also sent letters to each of the collectors and collectors to verify this information that they claim they have verified. 
I sent the following letters to verify accounts with the certified tracking numbers below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 07/17/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was bought out by M & T Bank XXXX XXXX XXXX XXXX, NY XXXX. I pay my payment through bill pay and it is set up to be delivered to M & T Bank by a certain date. If it arrives XX/XX/XXXX or after they will charge me a late fee according to their statement. They have gotten my payment before XX/XX/XXXX and charged me a late fee on several occasions. I brought this to their attention and they have failed to refund the fees for all of the times they have charged me a late fee when it was n't late, according to their terms. It happens often that they charge the fee regardless. I usually pay my payment between XX/XX/XXXX and XX/XX/XXXX the first years they had the contract, but now since they have been charging me a late fee regardless, and I ca n't get them to stop, I just pay it reluctantly with the late fee as part of my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was contacted by Navient a month ago and told my loan payments were in default and I needed to pay {$1000.00}. I told the woman on the phone that I had not received anything from them previously. When she gave me the contact information they had on file, it was an address that I had n't lived at in over 10 years. I said I did n't have that kind of money sitting around and I felt that I should 've known about the payments before they were late. She then became threatening about my credit and disregarded the fact they had the wrong contact information. My husband was in the XXXX and the address they had was our duty station in XXXX. He was XXXX XXXX and we now live in XXXX. We had to file bankruptcy and I did not know I had a payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/XXXX my credit institution ( University XXXX XXXX XXXX via XXXX ) sent me my credit score ( Equifax XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX/XXXX/XXXX I ran a credit report and saw XXXX XXXX # XXXX ( XXXX ) listed. Balance {$4900.00}, Original Creditor : XXXX ( XXXX XXXX, Placed for collection : XXXX/XXXX/XXXX. I called the collections agency who said they had called and spoken to a " XXXX XXXX '' on XXXX/XXXX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct was in my name and same last XXXX digits of my social sec # but a different address. I then called XXXX and reported fraud/identity theft and a fraud claim was started ( reference # XXXX ) and notified the collections agency. I also submitted an identity theft claim to XXXX ( file # XXXX ) and Equifax webmail dispute online. I then called and reported this to XXXX County Sheriff 's Dept. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be reset to what it was prior to this incident. XXXX has investigated this incident and removed the fraudulent claim from my credit report on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, XXXX, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. XXXX then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!

Company response to consumer: Closed with explanation