milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 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: Old information reappears or never goes away

Complaint: I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XX/XX/XXXX Amounts : {$920.00} Actions : I called XXXX XXXX XXXX  and told them that I did not get on the Paramedic when they came to get me after an XXXX XXXX. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XX/XX/XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XX/XX/XXXX ( 5 yrs, 5 mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live 2 hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XX/XX/XXXX ( 2 yrs, 7 mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XX/XX/XXXX ( 3 yrs, 10 mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX  needs to verify with where they got this information and find the right person who owe them. 

Dates : XX/XX/XXXX ( 3 yrs, 9 mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX XXXX which I have no idea what 's that. This needs to be removed. 

Dates : XX/XX/XXXX ( 2 yrs, 8 mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX XXXX XXXX which I know but the amount is totally wrong, and the account is more than 7 years old, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor informed me that the bank is over 300 years old and is highly reputable, however, she said, XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so Barclays could not be blamed. I had called Barclays numerous times to complain about the bills they were sending me. No doubt XXXX XXXX and XXXX XXXX acted in bad faith by sharing my details without my authorization. However, the {$40.00} service fee can not be attributed to any other institution than Barclays. In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. It is not clear to me whether my credit score will suffer. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor told me that the bank is over 300 years old and is highly reputable, however XXXX XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so they were merely following up. However, the {$40.00} service fee can not be attributed to any institution other than Barclays.

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 12/22/2015 about Credit card () with STATE FARM BANK, FSB (AZ).
Issue: Billing statement

Complaint: State Farm has failed to send me a bill for the amount owed in XXXX 2015 and now Im late and being charged a XXXX late fee. This is n't the XXXX time this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX  on XX/XX/XXXX then I see another one from a XXXX XXXX dealer also on XX/XX/XXXX and I see another one and XXXX XXXX  also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and 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 12-12-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX XXXX ''. This company states that XXXX XXXXXXXX XXXX XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Debt collection (Federal student loan debt) with AES/PHEAA (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. PHEAA told me they can not talk to me. They told me I have to talk with XXXX. XXXX will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am hoping you can help myself and my Husband. 
I was looking on line for assistance with homeowners in distress. Came across your e-mail on line. 
XXXX XXXX Illinois Attorney General Homeowner web site. 
I live in Illinois XXXX county .I have been layed off my job at XXXX.I paid the mortgage. I Called Bank of America for assistance with a modification. Was told to fax same info several times. Lots of miscommunication and frustrating conversations. I have a point of contact XXXX XXXX I was told I did not qualify for any assistance except short sale. I want to keep my home. We raised our children here and love our home. Finally after addition phone calls and basically begging the info was resubmitted to underwriting and came back with a offer of a higher payment and higher interest rate. I appealed which is in appeals now. Appeals said it is up to XXXX to find a program for us and XXXX says it is Appeals. Currently I am current with my mortgage will be behind by the end of the month. I am unemployed on unemployment and my Husband works. he pays living expense 's and loans ect.. Our house is underwater. We owe more than it is worth XXXX XXXX has our mortgage. I was told only help could be if we were several months behind. We are trying to avoid that disaster with a principle reduction. Can you please help or direct me to the right place? What can I do? National Mortgage Settlement, PRA.I was told B.O.A would not do that XXXX. cant do Harp because of 2009 before time line. My B.O.A account number is .... 
Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Consumer Loan (Title loan) with Westlake Services, LLC (CA).
Issue: Payment to acct not credited

Complaint: we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 i received notification that Sierra Auto Financing pulled my credit for an auto loan that did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX XXXX XXXX # XXXX is listed on my credit report for transunion as a charge off. This account is illegal and invalid in the state of Florida as it violates the state of Floridas statutes. Ive disputed this and transunion has allowed them to illegally conduct collection activities that violates my state laws and my 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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America keep updating payment history to extend time the account remain on the credit file. Last payment was made XXXXXXXX XXXX. There reporting two payments on XXXX and XXXX of XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.

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 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: I 've been trying to refinance my loan with Nationstar Mortgage for about a year. I 've put in a request on their website several times, only not to get a response. Finally, I called the XXXX number for Nationstar Mortgage. I finally spoke with someone that took my mortgage refinance application online. I was n't charged an application fee or no upfront charges. I have a XXXX credit score with excellent income, over $ XXXX a year. The current loan is an adjustable rate loan and I was trying to refinance to a fixed rate loan. At every junction, it seem as though they were n't interested. I 've never been late on the loan in XXXX years, so they have no incentive to refinance, because it 's in their best interest to leave the rate as is. But, after several conversations with XXXX XXXX XXXX XXXX, I began to feel like I was purposely being discriminated against. I have audio recordings of our conversation that suggest such as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX Bank Student loan. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying XXXX dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My card was used by someone while I was not in the coun try ( USA ).    I have talked to the credit card company and send them copies of my Passport and Airline tickets showing that I was  not in the USA. A nd I have no idea who used my credit card and how? I have never used credit card and not paid in my whole life. Any body can check that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (TX).
Issue: Credit decision / Underwriting

Complaint: I enrolled in a biweekly interest minimizer program XX/XX/XXXX and on XX/XX/XXXX they notified me by email that the program is no longer available but I need to know where my money is that was taken from my account in XXXX previous to the email. My house payment is now outstanding and I need my money back. I 've called over XXXX times and you get a recording to call back due to high call volume. I 've emailed and no one returns my email either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with XXXX and Equifax. which i decided to report this to you for help, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: A visa credit card issued by Citi accepted a charge from a merchant who had either an incorrect credit card number or expiration date that passed or both. When I called to inquire how it could happen they said that for some select merchants who allegedly submit recurring charges there is a special treatment when it comes to changed credit card numbers and expiration dates that have passed -- they are provided with new credit card info so that they can continue to bill. 

I suggested that this was done without my consent, that the agreement is between the credit card company and the merchant and not with cardholder, that no cardholder can possibly understand dozens of pages of fine print with changing rules. I demanded that Citi remove the charge from my account and pay for it themselves. That it was unfair for them to violate the most fundamental security feature of the credit card and allow merchants to bill with wrong credit card number or past expiration date or both. I further explained that expired credit cards is what should prevent looters like the merchant in question to perpetrate inappropriate charges and contact consumer with a request for a new billing information. 

As an aside the card in question is not in my posession and I believe it was cancelled. When I asked them to tell me what was the expiration date on the active card it date when it was issued. As a result I can not even present the merchant with a proof that they did something inappropriate - bill with a wrong credit card information and get a new credit card info from Citi when both of them realized that credit card number or expitation date changed.

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 05-02-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (MD).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: In  XXXX   XXXX  I purchased a  XXXX   XXXX   XXXX . In  XXXX   XXXX  the car was repossessed for delinquent payments. I paid {$980.00} to recover the vehicle and deferred the current payment (  XXXX   XXXX   )  to remain in a good standing making  XXXX   XXXX  the next payment due. A month later in  XXXX   XXXX  the car was repossessed and was not behind in any way shape or form. 3 days after the car was repoed  Westlake Financial r eleased the vehicle at no expense to me. I later filed complaints with the cpfb and for a few months  WF  responded. I have n't heard anything in months from them, On  XXXX   XXXX  WF repossessed and I was forced to file Bankruptcy ch.  XXXX  to recover the vehicle. WF are very unprofessional rude and just out right nasty. I have had only one rep to show some type of compassion or customer towards the situation. I am currently still trying to recover the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Around the end of XXXX, I applied for an American Express delta gold card online. I was approved and upon approval, they gave me a digital card which the numbers were diff where as the digital version didnt have your delta sky miles number on it. So two months later after getting the physical card, I said lrts Use it. and they go declined so after I apply online then applied delta skymiles number called XXXX to put it on my card which they did.after all that, some XXXX XXXX transfers me to no XXXX XXXX or XXXX XXXX from XXXX. So after three min Id usually say to XXXX him off I said but I go can you repeat what you just said to long story short XXXX boy goes theres a question to verification of who I am. And this after temp card skymiles physical card no one called me no one wrote me a letter and god forbid I use constitution as something I go thats not legal. The affordable care act mandates ins companies to give a consumer thirty day notice if they will terminate their twelve month contract. Sure changed contract law so in a court of law my application comined with XXXX ending me physical card = contract. So now I hold to the physical card went to noteary got XXXX motorized proof I am who ya approved card for so XXXX goes XXXX XXXX cancels my card and never told me why. Thats legal have you ever heard of the intelligence identification protection act? When XXXX ever go approved actually cancel w/I bankruptcy being the deal breaker. I didnt charge XXXX dollar who needs tell me my acct terminated?

Company response to consumer: Closed with explanation