milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JMS Associates, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A man named XXXX XXXX from a company he referred to as JMS Associates has called the receptionists at my new job 5 times this past week to claim he is attempting to collect a debt. 

This is either a fraudulent attempt to collect a non-existent debt ( I have never been contact by JMS Associates at any time previously until XXXX XXXX began calling me at work ) or it is a tact planned to place me in an awkward position at my new job ; for if JMS has a legitimate debt to collect, they have received my personal contact information from the original creditor and I believe they should be using this information properly instead of contacting me at my place of employment every day.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I have a Macys and Macys American Express accounts that I get email bills and pay electronically from my credit union checking. Macys changed their billing addresses without notification resulting in late payments with fees and interest charged. I am never late. Macys could not straighten out the correct address but my credit union finally did and tested them. Macys waived the late fees but not the interest. I have seen this with other vendors and find it an underhanded way to extract money from customers. I have other vendors who are diligent about reasonable notification so it is possible. I question the competence of their IS department as it took them several weeks to complete an upgrade that resulted in this.

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 monetary relief
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
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: In XXXX I ordered an XXXX computer from XXXX   on easy pay. My order number was XXXX my name is XXXX XXXX. The computer came to my home and it was too large and bulky. Since it was a XXXX time order I could send it back which I did around XX/XX/XXXX. Not hearing from XXXX I called customer service and was told they received the computer and issued a credit of {$220.00} on my credit card. I kept checking my card and there was no credit so I called back Cust service was again assured my credit was issued  and should show up. Today still no credit called again today XX/XX/XXXX and was now told there was a hold put on my return and she didnt know why but corporate could help. No one answers the phone at corporate you just leave messages. They have stolen {$220.00} from me that I want returned ASAP. According to consumer reports they have numerous complaints against them for this very reason. My name iXXXX 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 12/19/2016 about Debt collection (Credit card) with Convergent Resources, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I filed bankruptcy over a year ago and it was discharged already. XXXX and XXXX ( the collection company were included. Now, XXXX has passed this debt to a company called Convergent. Once I filed for bankruptcy ; ALL COLLECTION IS SUPPOSE TO STOP. On XX/XX/XXXX, I found a collection notice in my mail from this Convergent company, this is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.

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 08-09-2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX and I have been dealing with Roundpoint Mortgage for about 1 year to try to obtain a loan modification and have constantly gotten the run around. My loan has been transferred 3 different time to 3 different investors. Based on my income I know I do qualify for a modification If I was given the chance. I believe my lender has violated my homeowner bill of rights.

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please be advised, it has been over a year that i have tried to work with both credit bureaus XXXX and TransUnion and XXXX  XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!! <P/>I have awaited a year!!!

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 06/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was being charged {$2.00} for 3 consecutive months with no balance on my Macys ' account. I did not check my account thinking I have no balance but because of the interest charges, I have a balance of {$6.00}. I contacted Macys on XX/XX/XXXX and they informed me that my account was delinquent because of the {$6.00} balance that I have not paid for several months, which subsequently impacted my credit scores. I did not understand why I was being charged every month with no balance but I did not want to argue with them so I paid the {$6.00} interest charge in the desire to bring my account back to normal. After I paid they ensured me I had no more balance and this will not happen again. Yet, on XX/XX/XXXX when I checked my account, I saw the same {$2.00} interest charge. I contacted them again, they told me the same thing and made me pay another {$2.00} and said my balance is now XXXX. I checked my account again on XX/XX/XXXX and there it was, another {$2.00} interest charge. This time I called them and they said my account was not adjusted for the interest charges ; they will credit me a total of {$10.00} and this will not happen again. At this point, even if they credited me {$100.00}, it would not make a difference. As a consumer, I feel cheated and lied to. They charged me interest fees when I had no balance on the account as I always paid it off. They XXXX up my credit scores, which has been in very good standing until this happened.

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 08/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, XXXX I met with XXXX XXXX at Bank of America to start the HARP refinance of my existing BOA loan. I was to be for 4.125 % which would save me over {$200.00} a month. I now have a loan for 5 %, payment {$1600.00}. I have been with BOA since XX/XX/XXXX. My record of payment speaks for itself, never late, never missed a payment. It is now going on 5 months since this process started. First BOA said I needed a survey for my garage, built in XX/XX/XXXX. I got a copy from XXXX County and hand delivered it to XXXX XXXX. They said it was not acceptable and wanted me to pay for another survey. I received a settlement letter on XXXX/XXXX/XXXX from BOA, ( see attached ) that my cash settlement fee would be {$8000.00} and my new payment oat closing would be {$1500.00}. Which was incorrect. Another settlement letter came on XXXX/XXXX/XXXX. This one said my fee would be {$2900.00} and my payment would be {$1500.00}. Still XXXX XXXX said to ignore it, that these were wrong and they would send me a new settlement agreement. Then I got a letter from BOA, XXXX/XXXX/XXXX, saying that my house did not have a acceptable Title. ( see attached ). Then a delay of several weeks, XXXX XXXX of BOA said to ignore their letter of XXXX/XXXX/XXXX. As of today, I still do n't have a settlement, or closing date. It is going on 5 months. During this whole time, XXXX is holding my Home Equity loan and we ask them to sign a Subordination agreement. Again, impeccable record with them. I sent a check for {$250.00} with the paperwork, still did n't hear anything. They then said they did n't receive the check and paperwork, I wrote another and hand delivered it to the bank. They then said they could n't do the Subordination because I had too many delinquent accounts. I do not have any credit outstanding! I pay cash for everything and pay off my credit card every month, my Score is XXXX. This again delayed everything. Then they sent the missing check back to me and yesterday I received a notice telling me that they are cancelling the Subordination because of non payment of the {$250.00}. They second check was cashed on XXXX/XXXX/XXXX. One thing I do have to say is that XXXX XXXX has gone above and beyond everything he could do for me. They Cluster starts when it gets above his level and then no one has a clue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: CMRE, account number  XXXX  is an ever increasing debt on my credit reports,   XXXX    AND  XXXX  I dis puted the debt with  XXXX  and it came back verified.I, in my dispute told CMRE and  XXXX  this : I had treatment at  XXXX   XXXX  After  the treatment I received a bill ... I wrote to the hospital explaining my difficulty in paying as I was homeless, broke and sick at the time.  XXXX   XXXX   sent a letter saying not to be concerned ; that  XXXX   XXXX  had a " homeless fund '' that they could dip into and cover my bill.They said not to worry about it that it would be covered by them and paid completely.I received no more bills or contact from anyone including CMRE.I have never had a debt validation notice from CMRE, yet according to  XXXX  they investigated and " verified '' to  XXXX .The letter sent to me is in the files of  XXXX   XXXX   XXXX   XXXX .   I have not as yet come up with or been able to find my copy of their letter as it was about 5 years ago ... but my girlfriend and I would n't have thrown it away and may come up with it shortly ... ..Nevertheless.  XXXX   XXXX    XXXX   XXXX  HAS A  COMPUTERIZED RECORD OF THEIR CORRESPONDENCE WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Wells Fargo VISA has denied me any and all information about activity on my account. The activity I 'm referring to is payments I 've made to WF Visa over the past 2 months that should have resulted in paying my balance in full or perhaps having an amount due to me. The denial has come in the form of not allowing me access through WF online banking nor sending me statements in the mail even after a written request from me in late XXXX. I believe that Wells Fargo 's withholding of the aforementioned information is illegal or unconscionable at best.

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 07/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is showing a federal tax lien on my credit report. The IRS has withdrawn this tax lien, and properly filed the withdrawal with the XXXX Clerk of Courts. 
I mailed a dispute to Equifax on XXXX/XXXX/2016 with an original certified copy of the Withdrawal of Filed Notice of Federal Tax Lien and that dispute was completely ignored. Then on XXXX/XXXX/2016 I submitted another dispute online and Equifax responded on XXXX/XXXX/2016 that " this public record item is reporting correctly, '' which is not accurate. 

A withdrawn lien means it is as the lien never happened ( similar to a vacated judgment or dismissal ). Equifax should have deleted the lien from my credit report. XXXX, XXXX, and XXXX have all properly investigated this tax lien, and deleted it from my reports. Equifax is the only consumer reporting agency that has failed to properly investigate and delete this inaccurate tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: the car that was bought in american honda was NOT me.i never bought that XXXX XXXX XXXX nor did i ever apply for credit! PLEASE understand that i never gave anyone permission to buy any purchased or use my name for any reason at all! the service i reserved on behalf of american honda was truly disrespectful from the management team from from store XXXX XXXX XXXX n.j ... ive been seek for help and i feel like im in not getting no result! ive tired just about everthing please help me get some answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am only trying to obtain my free annual credit report and each XXXX of the questions did not pertain to anything I 've ever done in the past. I have never had a mortgage/ loan for a home. I am concerned that I 've had some kind of identity theft and this concerns me as we are trying to apply for an FHA loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On Monday, XX/XX/XXXX I called to apply for a Bank of America Merrill+ Visa credit card and was told that my application required further review. I called later that day to follow-up and see if I could speak to someone about the application and they went through all of the disclosures over the phone and said I was approved for a {$5000.00} credit limit. I asked to move over {$7000.00} from an existing credit card account to increase the new credit card limit to {$12000.00} and that request was also processed. I saw the new credit card appear in my online banking list the next day and I was told that the card would be mailed out immediately. Two days later, I get a call from Bank of America to tell me that the credit card was no longer approved and that they were closing the account. I was confused because I was told that the application was approved and was given the credit limit. The manager XXXX XXXX went on and tried to explain that the application should not have been approved because I had enough Bank of America credit cards. I offered to close one of them in exchange for leaving the new Merrill+ card intact. I had not violated any of the terms and conditions of the offer of credit or even had a chance to use the new credit card, so it 's unclear if the justification that Bank of America provided for closing the account is sound or even legal. The application reference number is : 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 06-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (SC).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: The complaint is with XXXX and XXXX XXXX XXXX I have the benefit of my mobile phone being insured as long as I paid my bill with my VISA card. This is what sent to XXXX and XXXX XXXX XXXX : In XX/XX/XXXXI dropped my XXXX and broke it. I ca n't see what 's on the screen and it has been acting up since I dropped it. I am desperate for a new phone. I meet all the requirements, have uploaded everything needed to be reimbursed for the cost or replacement of my XXXX XXXX. When I got no response to the claim that I filed by phone in XX/XX/XXXX, I filed an online claim. Every time I talk to XXXX XXXX XXXX I get the run-around. I paid my XXXX bill for years with my Wells Fargo Visa. I have a broken phone which is covered in my card benefits. Surely this is not the way XXXX treats its customers. Please take control of this and resolve this issue before I have to take further action. The claim number filed by phone is XXXX. The claim number filed online is XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX needs AT LEAST some attention for not resolving this issue in a timely matter. I 'm still waiting for a resolution.

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 06-01-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received the recorded call on a Sunday. Our credit is perfect and we do not owe anyone. I am tired of these scams calling and want them to stop. The company was Portfolio Recovery and we have never done business with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX ( who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX 's attorneys could n't offer any proof. 

If you take a look at my supporting documents ( my letter to the credit agency and XXXX 's letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired SOL '' information from XXXX off my credit report. 

Many thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation