milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Contacted Equifax today XXXX/XXXX/2015, in an attempt, to dispute inquiries. I initially spoke to a customer service rep by the name of XXXX. She submitted a dispute for a collection account with confirmation number XXXX. She stated she was unable to dispute any inquiries. She continued to say the Fraud Department would have to assist me. I spoke to XXXX in the Fraud Department. He stated they are unable to dispute inquiries, because they are factual. I then requested to speak to a supervisor. I spoke to XXXX who stated she was a supervisor in the Fraud Department. I explained to her about the inquiries and attempts to get discrepancies resolved through the creditors, without success. I also told her that I was told by the CFPB that credit bureaus have to dispute inquiries and could provide me with documentation used to complete the investigation. She then told me they do not have the capability to dispute inquiries. I then told her that inquiries were able to be disputed in the past. Asked had that changed. She stated again they do not have the capability to dispute inquiries. The inquiries in question are listed below Settlementone : XXXX XXXX BANK XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 Equifax Mortgage Services : XXXX XXXX XXXX XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: repeated calls to my cell phone from XXXX XXXX XXXX XXXX. 
they said they were Wells Fargo Home Mortgageand asked to speak to someone I never heard of. 
Told them wrong number on XXXX/XXXX/15. Calls continue every few days. 
Same number called on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with Capital Management Services, LP (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: At approximately XXXX on XXXX XXXX, 2016 a company by the name of Capital Management Services called a family member and left a message that they were attempting to collect a debt and left a phone number of XXXX. When the family member returned the call to find out what this was about they asked if she was a relative - they named me - and asked if she lived with me and had a phone number for me. This company has placed calls to my cell phone so they are in possession of a means to contact me. This is an invasion of privacy as well as an attempt to humiliate and embarrass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: When I first started paying back my loans in   XXXX   Navient stated my payment would be {$150.00} a month. When I received my first bill in  XXXX  of     XXXX   my first payment was actually {$170.00} dollars. They also stated I was enrolled in a program where I would pay for 120 months. Turns out, Im not enrolled in that program. They state I make too much money to be on an income driven payment program and that is why my payments are {$170.00} a month. But oddly enough, I have two other loan companies, My   XXXX   XXXX   and  XXXX   XXXX   XXXX  and I am on a repayment income driven plan with them. If all loan companies are supposed to follow the same guidelines because they are overseen by  The  Department of Education then why am I not qualifying for income driven with  XXXX . I work for a non profit organization and do not make that much money. It is difficult to stay afloat when I have to pay my student loans on top of the rest of my bills. The other two companies have made it easy to pay/ Navient refuses to enroll me in the income driven program

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America has an established policy of charging {$100.00} for a legal order. That includes any request from an authorized agency to debit, freeze, withhold, or otherwise place a limit on an account. I know about this policy and I know I agreed to it. I still think it 's outrageous and excessive. 

I was recently charged {$100.00} because the State of California requested a debit on my account for {$100.00} for state taxes owed. Whether I owe this amount or not is not Bank of America 's concern, and I certainly expect the bank to respond appropriately to authorized agency requests. What I have a problem with is the {$100.00} fee. That {$100.00} has nothing to do with the State of California ; it 's purely the bank 's policy. It 's ridiculous for the bank to charge {$100.00} when it 's almost certain that no human being had any part in processing the State of California 's request. It 's substantially more offensive than the {$35.00} fee they charge for insufficient funds ( which again, no human being had any part in processing ). At least for insufficient funds the bank has a legitimate problem with the customer. But the {$100.00} legal fee? Bank customers are basically being charged for a few milliseconds of computer time. If the account has the funds to fulfill the agency request, why is the bank charging a fee? What is it for? Just an extra opportunity to really stick it to the customer? 

I called the bank and their representative said that there was nothing he could do about the fee, since it was in compliance with bank policy. Yes, it 's bank policy. I get that. I 'm not stupid. But I can promise Bank of America this : I will absolutely file a complaint every time the bank charges me a disproportionate fee for a service that essentially costs them nothing. I will file a complaint every time the bank charges me a fee that clearly impacts low-income individuals disproportionately more than high income individuals. I will not choose the " tell a story '' option. I will file a complaint. At least then the bank will be obligated to have a human being personally respond and mail me some dead tree correspondence, and I 'll get my money 's worth for all the fees they charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX a certified letters was sent to XXXX XXXX XXXX XXXX for accounts XXXX in the amount of {$570.00}. Attempts to acquire proper validation for this debt has not been met.

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 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Disputing Charges with XXXX XXXX originally date XX/XX/XXXX To whom it may concern, It appears this not a typical product/purchase/merchandise dispute case. Even though Ive discussed this with multiple Cap1 representatives Ill go through it again. 
This is a case of Computer hacking and scamming. My computer on the XX/XX/XXXX was hacked and was provided information that if I dont follow these procedures to regain a properly working computer I was in trouble. With the hopes that it would not happen again I fell for this scam, costing initially XXXX for a 5 yr contract. 
I did fall for this scam and quickly spoke to some technology friends and colleagues and I realized my error. 
I immediately decided to cancel my previous credit card xxxx xxxx xxxx XXXX to avoid the charge and decided to not have any further communication with them. 
Capital One did provide requesting service of cancelling this purchase. At this point I think the issue is over. But on XX/XX/XXXX the charge of XXXX from my cancelled credit card surfaces again on my new card account. ( This I find very disturbing in ref the Cap1 policy of charges?? ) So I reviewed this case for a second time and with a Cap1 representative ( XXXX ) on the phone we contact XXXX and speak to XXXX who states that they are no longer charging me for this and case is closed. 
I do thank Capital One for their support and hope this letter provides you finally with enough information to put this dispute case to an end. 
Ive included a few other documents pertaining to my case that I hope will be helpful. 
Most recently besides filing a police report I receive calls from an outfit called XXXX XXXX  XXXX stating that XXXX is going out of business and would provide me a contract closure letter but only if I give them control of my computer again which I denied and was told they will not provide me with a document. 
After sharing all this with Cap1 they still state they require a second opinion on my case and at this point they can do nothing further about it do to time frame limitations. 
And at this point the charge continues to be on my credit card account. 
Please, Please help me put an end to this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern, My wife and I owned a condo that was foreclosed on. The deed was taken over in XXXX of XXXX. The property/deed sold to a new party on XXXX XXXX, XXXX. At that point we should have no ties to the property/asset. Experian reports property was foreclosed XXXX XXXX. 
The latest information on our credit report shows that the credit union that we had the mortgage under has been reporting a " failed to pay '' from XXXX XXXX up to the present date. Our understanding through loan officers is that the said credit union should have discontinued any reporting after the foreclosure date occurred. 
Our correspondence from the credit unions Senior Recovery Specialist was as follows : Based on this investigation, ( Credit Union ) response is that the information you have disputed is both true and correct according to all available documentation. As such, no corrections will be submitted to the credit reporting agencies and any electronic disputes would be resolved as 'Correct as reported. '' Can this issue be resolved through the credit union or does it have to be resolved through each credit reporting agency? 
I 'm not sure if this affects the credit reporting. However, I did find out that our condo was recorded in the XXXX XXXX Department of Assessments with an OLD address. I was able to have them change their records to match up the parcel number with the newer updated address. The parcel number now matches the address listed at the credit union. 
We appreciate your assistance.

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 06/17/2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought a Visa gift card from XXXX for {$150.00} for my friend for XXXX on XX/XX/XXXX. She went to use it on XX/XX/XXXX and was told it would n't go thru. I called the customer service line on my XXXX receipt for the card and XXXX there gave me the Visa prepaid customer service number. There I spoke to XXXX who told me that someone had tried to use it before it was even activated at the register. She said I needed to fax a copy of the front and back of card, packaging and receipt to a number for Lost/Stolen Replacement Card Request - which luckily I had it all and I did. I was supposed to receive an affidavit to fill out and send back within XXXX days. I called by XX/XX/XXXX to the fraud number XXXX XXXX had given me to follow-up with and I was on hold for a long time and it finally came on and said to leave a message and they would return the call within XXXX business hours. I did, but no one called me back. By XX/XX/XXXX I called the customer service line again and was told it was mailed. I finally received it on XX/XX/XXXX and filled it out right away and faxed it back. By XX/XX/XXXX, I called customer service again to make sure they received it and XXXX told me he saw it said it would be resolved by XX/XX/XXXX but I could try the fraud line again. No one answered again, so I just waited. On XX/XX/XXXX, I called the customer service line to get status, and it now said it would close on XXXX. Again I tried the fraud line ( XXXX ) and could not get anyone on the phone. On this date, I just finally wrote a check for my friend for {$150.00} since she had been waiting this whole time for my gift. On XX/XX/XXXX I called back to the customer service line see if anything had been resolved. XXXX told me it now says pending dispute resolution on XX/XX/XXXX I asked for a supervisor but they told me that I had to talk to the fraud line - the XXXX # that no XXXX answers. I called again, nothing. It is now XX/XX/XXXX and still nothing - 6 months later and I am still waiting for a replacement card for the {$150.00}. I called the fraud line again and waited and waited today. Nothing, so I went ahead and left a message as well as typed a fax to fax to them but that still has not went thru. I as so frustrated and just want my {$150.00} back. Please help. I 'm not sure what I can do at this point but wait and I ca n't believe a company like XXXX can do this. I will not buy a XXXX gift card again after this experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient incorrectly processed ICB repayment plan paperwork for at least 6 months or more. Each of these months I was put into deferment until they could resolve the issue. I called monthly to check on the status of the request and make sure it was being handled. Being in deferment caused me to incur more interest than necessary- their error at my expense. By the time it was resolved, I had to resubmit paperwork with the next set of tax returns- it took that long to resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: Signed up to open a checking account and saving account at BBVA Compass. I was signed up for a credit card as well, even when I specifically told them I did not want it. Now when I cancel it, it will effect my credit score. They sold me unsolicited merchandise against my direct and clearly stated request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax has suffered a data breach which has the potential to severely impact me. They were negligent in protecting my data.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern, I have been trying since XXXX of XXXX to get EQUIFAX TO REMOVE INQUIRIES THAT I DID NOT AUTHORIZE!!!! I have explained to them that my home was broken into in XX/XX/XXXXwhere my license and social security was stolen. In XXXX after I XXXX both my parents the mailbox was broken into causing me to have to get a post office box. By then all my information was being used to open fraudulent accounts. XXXX XXXX was a bank I was using and my info was compromised with them also. Equifax has sent a letter telling me the inquiries were factual. YES THEY ARE FACTUAL BECAUSE OF MY INFORMATION HOWEVER I DID NOT AUTHORIZE!!! They even went so far as to tell me about an email address that I have not been able to use in years because a cellphone was stolen with my passwords. They changed it and have access to everything. I did fraud alert when it happened. 
I went through each one telling them the ones that were mine and still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX Real Property Taxes XXXX are due XX/XX/XXXX. Furthermore, XXXX Citizens XXXX are entitled to defer tax obligations to a later date. 

Financial Freedom paid my property taxes, without solicitation, XX/XX/XXXX - at lest four moths before they were due. Please see attached tax receipts. They are now threatening me with with delinquency letters and foreclosure proceedings. Please see attached " Property Charge Delinquency Letter. " In addition, Financial Freedom is charging me for {$1800.00} rather than the {$1200.00} that I owed in property taxes for the year. This is unconscionable and a violation of our mortgage agreement. My obligation is to pay the taxes when due - XXXX has breached our contract by paying my property charges without notice. I am now trapped in a situation whereby I face the threat of losing my home over {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. 
After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation