milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a call from a telemarketer from American Express by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can American Express telemarketers just lie to us with immunity and without recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX did 4 hard inquires in 4 days. XXXX2017XXXX XXXX2017, XXXX2017, XXXX/2017. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.

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 03/14/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have gotten no response to calls I have left for my Home retention specialist at Wells Fargo home Mortgage. I have left multiple calls and yet no response. I have also received a letter from my Home Retention Specialist stating that we had a phone conversation. We have had no conversation at all. Please see the attached letter of complaint to Wells fargo for more detail. I have also had recent money returned {$1200.00} with a later stating not enough o make a payment then I made payment {$3300.00} and I received an email stating that it would be held for remainder of a payment? then a letter stating that I had an overage in escrow that was being held. I am trying my best after my initial complaint to Wells Fargo and the CFBPB to get my account in good standing based an error that was made on behalf of Wells Fargo Associate and his instructions to me that I followed. I am very concerned with Wells Fargo home Preservation Associates not returning my call when the voicemail says wishing 48 hours My initial voice mail was left on XX/XX/2017 still no call back. I have had my home for 17 years and need assistance. I am losing countless hours of sleep due to stress and non 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 monetary relief
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have not received a phone call or a letter from a collection company called " XXXX '' indicating that I owe a debt for medical bills. I came across this information when I received alerts from the credit reporting agencies. This completely shocked me because I am working extremely hard on my credit so that I do n't have any negative information. I filed Bankruptcy chapter XXXX and was discharged in XX/XX/XXXX and ever since, I have never been late with any of my payments. I want them to remove this information from my credit file immediately. They have not sent me any notification what so ever or else I would have called to determine what it 's for and if I owe to pay it. No communication from this company. I disputed it with the CRAs and they have not removed it until they verify/confirm the debt with me! They need to remove it until proper notification has been sent and the proper time limit for debt dispute. They reported 2 accounts on XX/XX/XXXX, in the amounts of {$260.00} and {$830.00}. They need to provide notification to people before putting something on their credit! Absolutely nothing was sent! No phone calls or VOICEMAILS for that matter! What happened to contacting people?? They should be investigated for more customers that they have done this too, in fact, my next step will be to find an attorney who will be able to file a class action lawsuit against XXXX. I 'm sure there are many more out there and we will fight! I have copies of my phone bills and I have a list of the majority of voice mail left and none are them! Please have them remove this from credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Federal student loan debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My student loans where discharge due to XXXX and they are still appearing on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I refinanced a federal loan upon graduating in 2006. I thought the terms of repayment were 120 payments ( 10 years ) but it appears I 've been paying on a 20 year loan. As my service provider has changed several times ( XXXX to XXXX XXXX to Navient ) I requested my " terms of repayment '' on multiple occasions. I finally received a document with the total amount borrowed but no terms of repayment. Via the customer service representative, the information has been requested several times but I have not received any documentation. 

I am concerned that I have been billed incorrectly and Navient can not produce my loan documents in a timely matter ( or potentially at all ). I would like information about my loan to make sure it is being serviced correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with EARLY WARNING SERVICES, LLC (TX).
Issue: Money was not available when promised

Complaint: Please refer to # XXXX submitted on X/XX/2017 regarding the issues with XXXX or XXXX. At that time - this company simply tried to put the matter under the carpet/rug. 
I am facing the same issue since XXXX. 
I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. 
But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT XXXX ). I reached out to XXXX and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. 

Today I called at XXXX during XXXX XXXX to XXXX XXXX  and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. 
I end up paying fees from the bank due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested validation { not verification } of the item reported

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just got a call from a collection agency at XXXX on XX/XX/XXXX stating that I owe $ XXXX to XXXX County Florida for an automobile-related ticket in XX/XX/XXXX. It is currently XX/XX/XXXX. That means that they waited seven years to collect a debt I was completely unaware of. The original debt was {$10.00}. I should n't have been able to renew my license or vehicle registration with any outstanding balance. I had no notice that there was a debt owed. My XXXX credit score that I have worked hard to build is going to be ruined for seven years over {$27.00} that I would have paid seven years ago if I knew it was outstanding. I think this a complete oversight on the part of XXXX County. I ca n't imagine it is legal, and it is certainly unethical, to send someone to collections without notice over a supposed {$27.00} debt that was owed seven years ago. My credit is extremely precious to me. I 'm outraged to say the least. I would pay XXXX County Florida literally thousands of dollars not to trash my credit for the better part of the next decade.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: IT IS DIFFICULT TO VIEW THE REPORTS TWICE. I AM TRYING TO LOG BACK INTO TRANSUNION AND CAN NOT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Meridian financial placed me in for collection without notifying me. My credit score went from a XXXX to XXXX. I was n't given an opportunity to discuss and or pay a debt that was 5 yrs. old prior to them killing my credit. I contacted the time share and solved the problem in a 20 minute phone call. When I called them Meridian to tell them that this was a misunderstanding and the debt was paid, ( without there help ) and that I would appreciate them clearing my name I was told and lied to about how they spoke with my husband ( XX/XX/XXXX ) ..who died in XX/XX/XXXX. And how they sent numerous letters to an address I never lived at. And how this will be staying on my credit report for 7 years!!! I think it is unfair for a company to have so much power that they are able to wipe a persons credit out with the stroke of the keyboard. I am asking that this mistake does n't wipe out 40 years of exemplorary credit! My credit is who I am and it means the world to me. As a widow I would not have been able to provide for my children. Now as an XXXX adult I must maintain great credit to survive. Thanks!!

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 08-08-2016 about Credit card () with TD BANK US HOLDING COMPANY (PA).
Issue: Delinquent account

Complaint: I was 2 days TWO DAYS late paying a charge of aprox {$150.00} on my Target Red Card. 

The Target company sent me a NEW card with NEW numbers and the payment I sent ( on time ) was returned and did not get credited to the new card number. When I saw this I called Target, got new number and sent payment via my bank account to pay the balance due. Target told me they would happily waive the aprox {$35.00} late fee at that time. To this date they have NOT waived the fee. They are adding a late fee each month and now threatening me with Debt collection for late fees one a XXXX balance account. Target originally was supposed to waive the first late fee when the new card number payment mix up happened. 

I have spoken to Target MANY times about this and I am done trying to deal with them. They are now having people call me and harass me through collection agencies. I 'm pretty sure it 's illegal ( or it should be ) to keep adding late fees on XXXX balances and trying to collect them. 

If it was my fault that the payment was late I would have paid it- Please contact them and clear this up for me. They owe ME money for time and stress and harassment. You are welcome to check my credit information for ALL my accounts that you will see are paid on time. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Consumer Loan (Installment loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: I was involved in a car accident on XXXX XXXX 2015 and I contacted GM Finical a few day after that and spoke to the total loss department and advised them of what had happened. I recived a letter stating that they are aware of the total loss. XXXX XXXX paid GM Finical the full amount owed on the loan on XXXX XXXX 2015 and they did not process it until the XXXX XXXX 2015 and than reported to the all XXXX credit bureau that I was 30 days late and now has decreased my credit score XXXX points and I can not purchase another car until they correct it. I contacted customer service and I was told that XXXX would have to write a letter why it was late and I had XXXX fax it to them and verified that it was received and it was over two weeks ago and was told it would take up to XXXX hours to process and I contacted them today an nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.

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 12/29/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Struggling to pay mortgage

Complaint: I 'm filing a complaint against Chase @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX and XXXX XXXX XXXX, XXXX. @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, for wrongfully and illegally foreclosing and selling of my property @ XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XXXX, XXXX. Both were given a copy via certified mail, of a Land Patent that has been brought in my name, and therefore they do n't have the legal authority to sell my property. A Land Patent is the  only form of proof of absolute title to land/property in the United States of America. Since neither has title to my property, how can they foreclose or sell the property? Also, in the case of foreclosure by a bank, the law is on the books today which says that any debts, which lie against the land, that existed prior to the land patent being issued, are removed from the land. There still may be a debt owed, but my house/property is off limits, lawfully. 

On XXXX XXXX, XXXX, I requested from chase the original wet ink signature copies of the Promissory Note and Mortgage/Deed of Trust in order to prove that Chase has the legal authority to foreclose on said property. I 'm challenging the debt that Chase claims I owe. I have demanded proof of standing to collect or foreclose and of the debt owed to Chase. To this date, I have not received any requested documentation of proof from Chase and therefore demand that Chase and their attorney immediately stop the sell of my property on XXXX XXXX of XXXX. 

I also challenge that I may not have received an actual loan, since the bank 's account was never debited, and my account was never credited, makes the loaning of credit only unlawful. All monies and interest that repay the mortgage are pure profit to the bank. Plus with the fact that the Promissory Note that I signed was sold without my permission, my mortgage debt to them is actually paid in full with that note. Therefore, non-disclosure by the banks, created by the bank of these important facts can be legal grounds to have my mortgage taken off the books and forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TD BANK US HOLDING COMPANY (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The lender reported my account as 30, 60, and 90 days late. I was not able to access my account due to my account registration information being lost in the mail and simultaneously did not receive the bill ( letters being sent to an incorrect address ). After I was contacted via phone by a collector, I promptly paid the debt and the account has been in repayment since. This account should not be marked as late, I had no knowledge of how to pay or that I was even late.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital one said they would remove late payments if I verified with my bank the reason my payments werent through. Once is did that and got back to them and told them it was because the payment account I was using to pay them was non transactional they said there was nothing they should do. Even though technically I did initiate the payments in time and was being charged late fees all the while.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Capital One Credit Card company appears to be breaking the FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ). which appears to be a defamation on my credit report of late payments. Also capital One Card Company has failed to a dispute sentence alert to all XXXX credit bureaus in 30 days when I requested to dispute the negative tradeline on my credit. Also capital one failed to show me copies showing I paid something late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Payday loan () with BlueChip Financial (NJ).
Issue: Can't contact lender

Complaint: I have an {$800.00} payday loan from Spotloan c/o BlueChip Financial XXXX. XXXX XXXX XXXX, ND XXXX. They are taking {$160.00} directly from my checking account 2x per month XXXX. I have been trying to pay it off but have learned the company is no longer in business. They give another # to call when you call the and that company has no record of me or my account. They took out anther payment again today and it says debit from Spotloan. My issue is they are going to keep taking payments 2x per month until XXXX and there is no way for me to prevent it from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Delinquent account

Complaint: I, XXXX XXXX, am writing to bring to the CFPB 's attention regarding Bank of America 's violation of the FCRA act. They reported wrong information to my credit report abou an account " 30 day past due '' due to the bank 's error. 

-Statements of Fact-I have XXXX credit cards with Bank of America ( " BofA '' ). I made a payment of {$250.00} to my XXXX Signature Visa card on XXXX 2015, and BofA applied the payment to the wrong account, which had a XXXX balance, and it resulted in a credit balance of {$250.00}. The bank then reported my account as " 30 day past due '' to all XXXX major credit reporting agencies. I spoke to an employee at their local branch, and the employee told me it 's a glitch. I only want them to update my account to accurately reflect that my account was never late. For the record, both of my credit cards have a XXXX balance as of XXXX/XXXX/2015. 

Customer respectfully asks the CFPB to take any actions it deems necessary to bring Bank of America ( " BofA '' ) into compliance with all applicable federal banking laws and regulations, including, but not limited to the Fair Credit Reporting Act ( FCRA ). If Bank of America does not take action to correct the inaccurate information, customer also plans to initiate legal action in Court, pursuant to the FCRA.

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