milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: I sent final request on XX/XX/2016 documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.

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 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened the American Express XXXX credit card in XX/2017. According to the time limited offer, the American Express should provide XXXX XXXX points after I spend XXXX in first 3 months and additional XXXX XXXX points after I spend extra XXXX points in first 6 months. After I spend 6000+ dollars in first 6 months, they only provided XXXX XXXX points and said that I only get the XXXX offer. Since they advertised the XXXX offer on their web page, email as well as the credit card application page, and they did n't have any special requirements for this offer, they should provide everyone who applied for the credit card before the deadline. They should never say that people got different offers. If they did n't mention that people may not get the XXXX offer in their application process, they made the fraud advertisement. I urge the American Express to provide XXXX XXXX  points to everyone who applied for that credit card before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax I may have been impacted by the recent breach. This is unacceptable - mistakes happen, but the loss of almost half of America 's personal information is a disaster. Equifax needs to be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Recovery Solutions, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail

Company response to consumer: Untimely response
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I needed help on getting loans cancelled by XXXX who is now closed. The company stated that they could n't help me and asked me to continue to pay those loans. No other help was given. Suggested that I defer loans instead but failed to tell me about interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: The collection was removed from previous collection agency known as XXXX XXXX , XXXX for {$450.00} and now being reported by a collection agency known as Stellar Recovery INC XXXX date opened XXXX-2017, furthermore according to FCRA I must be notified within 5 days of reinsertion. if you do n't get notified, that 's grounds for removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with U.S. BANCORP (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company named XXXX XXXX XXXX XXXX XXXX XXXX called me and my relatives today leaving a message that i would be sued if i did not contact them. When i did reach them they said i owed {$600.00} and would cost me 3 times that amount in court if i did not pay them.Caller stated they wanted to set up a time when i could be served at my residence or the would have to serve me at my work. They gave an address from 10 years ago, and a bank that was never used. I asked them how they acquired all the phone numbers, but they would not tell me, i told them not to call me or my relatives again. But the calls kept going out to my relatives. This an embarrassment to me to have to explain the matter to my relatives.

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 05/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company bank of america.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
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: XXXX / XXXX /  XXXX    XXXX  charges on my Bank of America Credit Card : {$89.00} charge from   XXXX   XXXX    {$89.00} charge from    XXXX   Disputed charges to Bank of America  They    took the side of the consumers Been fighting this with the Bank for well over 1 year submitting tons of information Bank turned me over to a  Bill Collection Agency    I turned to  XXXX   XXXX , Attorney General, Ohio His Department was able to get total refunds for me from both companies I have sent this money to the Collection Agency.     Have reported this to the Bank. They still have {$230.00} of late charges, bank fees that they will not take off by telling the  Bill Collection Agency  that I no longer owe these charges. My card has been closed since  XXXX / XXXX /  XXXX   but they continued late charges.

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 02/26/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Ad Astra Recovery Services Inc. provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The  XXXX  website states that my debt was placed in collection wit h PHOENIX FINANCIAL SERVICES  on  XXXX / XXXX / 2017  for the amount of {$870.00}. The original creditor of this collection is stated as, "  XXXX   XXXX    XXXX   XXXX   XXXX   ''. I have submitted a direct dispute on  XXXX / XXXX / 2017  through  XXXX . When I submitted my disputer request, the reasons were " THIS ACCOUNT IS CLOSED '' and in the additional comments I put, " NO CONTRACT ''. On  XXXX / XXXX / 2017 ,  XXXX  said that my dispute was denied. I do not understand why I am being charged for a debt on an account that was closed and then handed off to a debt collector. I have had this issue once before already and it was resolved quick. However, this collection is giving me a lot of problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have notified Experian on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : 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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting a remark on my XXXX, XXXX, and Experian reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 07/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX US DEPARTMENT OF EDUCATION : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: The Bank of America will not allow my daughter to be a co-trustee on a checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. 
They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. 
I previously submitted a complaint ( Case number : XXXX ), and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: around XXXX/XXXX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to XXXX as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in XXXX as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.

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 07-08-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at Medical Assistance Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XXXX 2015 I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the XXXX is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a number of fees for two of my credit cards for late payments. These statement balances were paid in full within a 24 hour period. My statement balances are paid, in full, every single month. The CC company decline to go back more than three months for any of the fees listed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with State Collection Service, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection was opened XXXX XXXX 2016 by XXXX XXXX Clinic given to me in State collections for my credit report. This account is wrong. I had medical insurance at the time and still have medical insurance. I am a XXXX XXXX who barely makes enough to feed myself. I have explained time and time again. I can not pay this and this is affecting me every turn I make.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: SPS has confirmed my investor is not XXXX, f/k/a XXXX ( is Trustee only ) however was vague as who is my actual investor on my mortgage Trust XXXX Mortgage Pass Through Certificates, Series XXXX is the owner of the account letter went on to say loan ownership status may change from time to time? please clarify SPS has been servicing loan since XX/XX/XXXX and should know who the current investor is as of XX/XX/XXXX. 
As the investor is whom denied my KYHC because it was over XXXX by less than XXXX XXXX dollars. 
I am sure SPS with removing some servicing fees would have met the XXXX limit to except Keep Your Home California. 
I have a right to know whom the 1. investor is as of XXXX XXXX XXXX copy of all assignments to make sure SEC guidelines were met XX/XX/XXXX-to XX/XX/XXXX. 
3. A complete breakdown of all transactions including insurance, fees, legal cost, and copy of mailing/shipping receipt I have been charged on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: It has been more than seven days ( not including weekends and legal public holidays ) since my servicer received the notice of error or information request, and I have n't received any communication from my servicer. The letter was a certified mail dated XXXX/XXXX/16 and it was delivered to Quicken Loans on XXXX/XXXX/16 at XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX XXXX XXXX XXXX XXXX in XXXX, CA. My original loan amount was approximately {$55000.00} and now I owe over {$100000.00}. For years I have requested my payment be lowered to a price that I can afford, but instead they will only defer or forebear it adding more interest and penalties. They are unwilling to work any different solution. I am now at a point where I will just die with it and they wo n't be able to get any money. I could never repay that amount they are asking and it will only continue to grow

Company response to consumer: Closed with explanation