milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (MN).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX issued a {$50.00} " rebate card '' that showed an expiration date but did not state anywhere on the card that the balance was forfeited at that time. The call center manager XXXX agreed that this was deceptive and had me contact his supervisor, XXXX Agent ID XXXX, a member of corporate support team CITI prepaid. Their phone number is XXXX. The card number is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This is a horrible practice and should have the same 5 yr ( at a minimum ) time limit that gift cards have as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XX/XX/XXXX, I disputed a Judgement from XXXX district court for a Judgment from a Utility company. I called the court, and i also showed up in person. I inquired about the verification process to the credit bureaus, as well as the judgement there is no Judgment of any kind against me, or having to pay any judgment. I then mailed Equifax 2 to 3 times giving them the opportunity to correct this entry, Equifax has openly refused and willfully continues to leave derogatory information in my credit report. the negative items are damaging my financial life. I do n't have a lot of files to support this due to Equifax making it a must to correspond/ reply online and the result are only available for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with CAVALRY INVESTMENTS, LLC (MO).
Issue: Payoff process

Complaint: i submitted a claim for XXXX XXXX with you all. They wrote me back kindly and said they sold my debt to Calvary. Well calvary wants to sue me. After XXXX XXXX heard why i fell behind and they were sending old bills to wrong address. they were compassionate and said they would forgive it but its now sold to calvary. calvary is now suing me without giving me any chance to explain why i fell behind.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I was the victim of a scam six years ago for a large sum of money. I was sent fraudulent checks, which I was not aware of at the time, and my bank cashed those checks out to me even without the necessary funds to cover the checks. Thinking that this money was from a legitimate employer I cashed the checks and I sent the remaining money as they had asked. I was still in college at the time. Bank of America closed my account and made me pay the money back through a debt collector. Worried that my credit and reputation was at stake, I setup payments and paid all the money back. Still any time that I try to open a new bank account, I am rejected even though I have good credit and no other complaints on my history besides this one incident. I am always told that I need to talk to the " Risk Department. '' They then tell me that there is nothing they can do to remove my name off the alert and have me contact the XXXX ( XXXX ). When I call that companies customer service they tell me that there is nothing they can do and that Bank of America is the company responsible for removing my name from the list. Thankfully, I was able to get an account with another bank by starting out with a very limited savings account and was allowed to have a checking account after we " developed a relationship '' and I was put on a trust list with their bank. I can not even be added to my wife 's Bank of America account due to this issue. My credit score is really good and we are looking to buy a house soon. My loan specialist really wants both of our names on our bank accounts. Because this has been such a hassle, my wife is probably going to have to close her account with Bank of America and put all of her savings into my account with my bank ; therefore creating more work for her. My wife 's account is where the majority of our financial savings lies and we need to be able to show that for the home loan we are applying for. I do not understand why I am not able to be cleared even after I have paid all of the amount of the scam off. Though bank error was also a fault in the issue, I paid all of the Claim amount to the debt collector by XXXX of 2012 in order to try to reestablish my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon pulling my credit report from the reporting agencies, I 've noticed an account placed with AFNI with the original creditor being XXXX XXXX. I 've never had XXXX XXXX, as I 've been with current provider for more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with CCS Financial Services, Inc. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX Fraudulently placed a collection on my credit reports from XXXX for {$98.00} that does not belong to me and XXXX Fraudulently billed for Medical service never Authorized ref file number XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   2016  i filled a dispute against ERC  XXXX   XXXX   XXXX  in the amount of {$340.00} and on  XXXX   XXXX     2016  it was removed from credit reports all  XXXX  credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... ..       thank you  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Alco Collections, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed
Consumer complaint received 04/25/2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: this was a genesis loan for XXXX taken out by XXXX in XXXX, Mi have been paying on this loan since 2009 appr. XXXX per month. the balance is still XXXX. As soon as I found out this was a fraudulent loan I was advised to stop paying it. my credit report currently states I am 120 days past due and received a bill yesterday that my minimum payment due is XXXX.

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 07/29/2016 about Payday loan () with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: In XXXX of last year I received an offer in the mail for Castle Payday and was approved for a {$600.00} loan. It did not say anything in there about the 850 % interest rate.I received the funds and now every month since then they are taking out {$140.00} from my account. I have so far paid {$1800.00} on a {$600.00} loan. They have also changed their name now to bigpictureloans.com. I feel they are a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Payday loan () with Worth Finance Corporation (TX).
Issue: Received a loan I didn't apply for

Complaint: I received a letter from Worth Finance Corp that included a " check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On   XXXX     I sent Transunion,  LLC  about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file via certified mail. The delivery record shows that this item was delivered on   XXXX   XXXX   XXXX     at  XXXX  pm.I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Transunion has not provided me any requested documentation and it has been well past the 30 days that they had to respond to my request. I 'm requesting the immediate deletion of this inaccurate information.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: on XXXX/XXXX/XXXX I submitted a request to Experian to have some personal info updated on my credit report. On XXXX/XXXX/XXXX I received a response that the info was updated and they included a new copy of my credit report which had a long list of inaccurate addresses and other personal information. On XXXX/XXXX/XXXX I sent them another letter asking them to remove all the inaccurate addresses. The only address that should be on my report is the XXXX on my driver 's license. Today, I checked my credit report and noticed that NOTHING was updated - even from the first letter. I DO N'T UNDERSTAND HOW THEY CAN LIE AND SAY THAT THEY UPDATED MY INFO AND NEVER DID. THIS IS COMPLETELY UNACCEPTABLE!!!!

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 03-02-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: I went through the drive through of the Wells Fargo Bank at XXXX XXXX XXXX XXXX in XXXX, AZ on XXXX/XXXX/17. I provided them a signed check for deposit, my drivers license and my debit card corresponding to the account the funds were to be deposited in. The teller at Wells Fargo deposited the funds into a joint account, rather than the account corresponding to the debit card I provided her, which is my sole account, and now Wells Fargo is unwilling to resolve the issue. Now that Wells Fargo made an error and deposited funds into the incorrect account, the other person on the joint account is aware of those funds, and there they can not just be transferred. Wells Fargo needs to deposit the correct amount of funds into the correct account per the information I provided to them. I contacted their customer service this morning and they advised there is nothing they can or will do to rectify the situation. This is completely unacceptable.

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 09-09-2017 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: I am writing to file a complaint that Equifax mishandled my personal information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I joined a repayment plan through Navient in the beginning of XXXX. Before you are entered in the repayment plan, you have to go through a 3 month qualifying period. I was informed of the 3 month qualifying period and that after the 3 months my Navient account will be up to date. However, I was not informed that my loans are still going to be sent in for collections which will affect mine and my co-signer 's ( on one loan XXXX credit. I did not receive any phone calls from their collections department or any letters stating that they would CONTINUE collections. No collections calls were made so I was under the impression that it was no longer being sent to collections. 
As of tomorrow, the loan that my co-signer is on, will be brought current and Navient refuses to fix the delinquency errors that were their fault due to their neglect in providing that specific information. Now my co-signer ( my father ) can not get the house that he was trying to get. He was pre-approved for a VA loan and now, due to these delinquencies on his credit, is no longer eligible for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Billing disputes

Complaint: Over XXXX years ago my wallet was stolen. I had XXXX credit cards in my wallet XXXX of which were Bank of America. I reported all credit cards stolen within XXXX. All other charges were dropped but from Bank of America. I spoke with someone on the phone and was told since they had copy of my license I would be responsible for fraudulent charges. I continued to pay the balances I had prior to fraudulent charges. Once they were paid off I told them I did n't feel I should pay for fraudulent charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Interstate LLC is attempting to collect a claimed debt of {$80.00} on behalf of XXXX XXXX. I have never been contacted by XXXX XXXX XXXX in any way. I have a copy of my Vacate Receipt from XXXX XXXX XXXX showing a zero balance. I have rented this space for many years while out of the country and have always paid on time with auto-pay.

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 02/27/2017 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a home in XX/XX/2016. The mortgage company collects escrow for our property taxes and insurance. I have just received a notice in the mail that our property taxes were not paid in XX/XX/2016 and as of next week the delinquency will be advertised and collections, wage garnishment, bank account attachments, and foreclosure can take place. I have contacted the mortgage company three times, each time they let me know that they will fix it and get back to me. No action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a home in XXXX 2015. I needed to get homeowners insurance, so my Father went to XXXX and met with an agent named XXXX XXXX to get a quote on my behalf. My Father gave me the quote but my mortgage company was able to find me a better option that I decided to go with. A few weeks later I received a statement from XXXX. I emailed the agent and told her that my Father went to see her for a quote and that was it. I had never met her, spoken with her, or signed anything to get insurance from XXXX. I thought I had made this clear until just recently, when a collections agency reached out to me. I 'm appalled that this can happen and potentially hurt my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There has been a collection on my credit report for 4 years now. It is a  Utility bill th at is in my name yet under an address that I have never resided at nor gave permission to have it put in my name. I have contacted the original credito r on  XXXX /17 they have sin ce then advised me that they have concluded it is not mine and advised  XXXX  and equifax on  XXXX  17 to h ave it removed.  XXXX  removed it immediately however, Equifax refuses to remove it after explaining everything and disputing the situation 3 times since   XXXX   of 2017    .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I Have been trying to work with my loan company JP Morgan Chase to save my home from foreclosure for about 5 years. I have been sending in all of my paperwork that they have asked for and kept being told that it was with the underwriters and than after a few months they would tell me that my paper work expired and that I had to resend it back in and start all over again they kept doing this over and over. They also told me not to make my mortgage payments that they would not except them. I have done everything they asked of me and I recently let them know that I had a increase of income to our household due to my XXXX brother coming into my care after the death of my mother. When they seen that they suddenly informed me that even with the increase of money they could not help me save my home and that it was going up for foreclosure on XXXX XXXX, 2015. Than today I was informed that the sale date of my home was being moved up to XXXX XXXX, 2015. I have tried working with them on this issue from the start and have done everything they have asked me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a phone call from Choice Recovery located in  XXXX , OH a couple of years ago and said that I had a few hours to pay {$57.00} for a visit to  XXXX   XXXX  in  XXXX , OH or  my credit score would be negatively affected. I ignored them and thought nothing of it and blocked the number. Recently I checked my credit score and the debt I still " owe '' is in fact damaging my score. This " debt '' needs to be removed from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Bankruptcy

Complaint: I filed for chapter XXXX bankruptcy and had all of my debts discharged at the hearing. Capital one creditor did not discharge my debt, they are saying I still have a revolving account open with them for the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Payday loan) with Weinman Acquisition Group (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I took out a payday loan from XXXX, paid regularly until i got behind, the debt went to a collection agency, i paid the amount in full, i paid a total of {$810.00} on a {$300.00} loan in 2013, have the receipts, if anything they owe me money. For the last 3 years, several agencies representing XXXX have threatened arrests and lawsuits, the last collection agency was weinman acquisition, this agency stated they were a county tax office trying to deliver or fax documents, i called XXXX, the representative never identified it was a collection agency or stated this was an attempt to collect a debt, look up some info on the internet apparently this company makes these illegal calls regularly, they left a message on my phone which i have saved for my records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NV).
Issue: Application, originator, mortgage broker

Complaint: DITECH is offering a misleading refinance proposal. They are offering to convert the 18 years and 11 months left on my current mortgage to a 30 year fixed at a slightly higher interest rate. They claim {$19000.00} in savings over 10 years but will actually increase total costs by {$66000.00}. I believe they are hoping consumers wo n't actually do the math!

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Back in XXXX, I sent a letter to Equifax and XXXX XXXX ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation