milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements  and tax liens must contain minimum identifying information. they could not tell me how they verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am buying a house so I 'm applying for a housing loan. On  XX/XX/XXXX , the financial institution 's representative processing my housing loan, run and printed my credit report from TransUnion. On that credit report, the credit card account with   XXXX   XXXX    Card  ending   XXXX    has a statement/comment that says : INCLUDED IN CH   XXXX    BANKRUPTCY, however, this is NOT TRUE because this account was not included in the bankruptcy, it is still open and monthly payments are made. I called   XXXX   XXXX   and they said that the statement is not appearing on their report to the credit bureaus & they do n't know about the bankruptcy statement.   XXXX   XXXX   sent me a letter to confirm that this account was not included in the CH  XXXX  bankruptcy. I called   XXXX   and they said that the comment/statement is not showing on my credit report. I checked my credit report on the website of TransUnion, last  XX/XX/XXXX  and this is where I found the comment on the   XXXX   XXXX   card account that this account is " included in the CH  XXXX  bankruptcy '', on my credit report. This comment makes it appear that I filed another bankruptcy in   XXXX   and it is still open and because of this the financial do not want to approve my housing loan application unless TransUnion corrects the report. This is causing the delay in the loan process and the seller wants to cancel the acceptance of the offer. There is a chance that I might lose the opportunity to buy the property if this do not get fixed in right away. I filed a dispute on the credit report online in TransUnion 's website, last  XX/XX/XXXX  and was instructed to send supporting documents to their   XXXX   XXXX   addres and which I did as soon as I got off from work. I sent it thru overnight mail last  XX/XX/XXXX  and they said TransUnion wil receive it on Monday,  XX/XX/XXXX  at   XXXX   XXXX  . Yesterday, XX/XX/XXXX , I called TransUnion to follow up that status. The customer representative said that they have not received the documents yet and I asked her if I can fax the documents so they review them. I asked for the fax number & was instructions on what to put on the fax cover. I followed the instructions and faxed the documents right away. Today,  XX/XX/XXXX , I called TransUnion to follow up if they received by documents I mailed and faxed. I spoke with the customer service representative, his Supervisor and the Supervisor 's supervisor and they keep on stating that they will investigate and will take time. I keep on explaining that I do n't have much and that there is a chance that I 'll lose the opportunity to buy the house I want just because of the incorrect credit report.

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 05/20/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Two  men who claim to work fo r Midland Credit Management have harassed me and anyone associated to me for the past month. Calling at obscene hours in th e day, several times a day from different numbers and the most  recent two  numbers are  XXXX  and  XXXX . These men threatened my safety to me and my family members, they also threatened to defame my credit report for an erroneous debt they claim I owe if me o r one of my  family members did n't make a lump sum payment over the phone immediately. They would n't give us an address for their company and said we could n't mail a letter of cease and desist to them. They stated that they also could not send so called debt back to the originator. They even said they ca n't send any information about the debt until a payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.

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 01/13/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Please add this information to [ Case number : XXXX ] ; On XX/XX/XXXX I spoke with a Bank of America Regulatory Representative and still very dissatisfied, first the regulatory representative claimed the 20 minute wait after a restriction has been removed from their card does n't exist, yet the representative from their Security Fraud advised me on XX/XX/XXXX there is a 20 minute wait time after they remove the restriction from their accounts and any transactions made prior to the 20 minutes will automatically cancelled. After speaking with her and I then requested to speak with her manager and received a call from this Manager who she identified herself as VP. She had so many inconsistencies with how she was explaining what happened, first she claimed they could n't locate the calls, then a few minutes later she claimed they had n't reviewed the calls and was disputing everything, which was told me by the fraud department. I do n't know why they ca n't locate the calls being that the calls were made via using the Bank of America Mobile app ; also, she tried to coerce me into signing Merchant transaction dispute, but claiming their investigation was still pending and also claiming the transaction was processed and paid on XX/XX/XXXX, which again goes hand in hand with their poor accounting practices ; on XX/XX/XXXX Bank of America, claimed the transaction was never processed and cancelled due to being marked as duplicate charge. I explained to Bank of America, this the Financial Institution, I trust with my funds each month and I come to regarding transactions, and not only did one of the representative, provide me with inaccurate information, but it was multiple representatives and Bank of America needs to be held accountable and take responsibility for their poor customer service, as a Business this is not acceptable, I trust them with my monies and no I will not file any merchant disputes at this point in time, because this is n't error on my part or the merchant error, Bank of America solely caused this issue. On XX/XX/XXXX, I contacted my merchant by email and explained the transaction had been cancelled by my Bank due to them flagging is as fraud and proceeded to place a new order for XXXX, I then had 2 transactions of XXXX debited from my account and at this point and not disputing any charges with the merchant. Also, when Bank of America contacted me regarding my Complaints filed, I did n't know if it was fraudulent company, because the name of the company shows on the caller id as a XXXX XXXX XXXX and when I contacted the number XXXX, it also states this is name of the company and only the representatives state she was Bank of America representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with BYL Collection Services (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I would like to re-open my claim # XXXX that you closed without resolution, since BYL Collections ' response was both late and insufficient. I requested itemized bills from the creditors showing the services provided and name and address of the specific providers, and received a shady printout with no company name whatsoever and none of the information I had requested. I received this well after 30 days from my request. Please advise if this can be re-opened at your earliest convenience. I 'd like a written response via e-mail to XXXXXXXXXXXX by XXXX XXXX, 2018. I do hope you 're able to finally resolve this, but if not my next step will be legal action. Thank you for your time. 

Sincerely, XXXX XXXX ( nee 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 02-09-2018 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (GA).
Issue: Trouble during payment process

Complaint: Franklin American Mortgage is involved in my insurance claim process since XX/XX/XXXX and  they are not releasing the funds necessary for the home repairs. I have submitted all of the forms they requested, including a signed receipt for the {$10000.00} I paid the contractor upon 50 % of completion of the repairs. They have only release {$10000.00} to the contractor this week but have given me conflicting information about my reimbursement. The inspection of the repairs still hasn't been scheduled even though I put in the request two weeks ago. Last week they mailed me the insurance check back saying that my husband had not endorsed the check, which is false. Both myself and my husband had endorsed it. Then their supervisor called me and said that XXXX had to endorse the check. XXXX ISSUED the check and their name was simply labeled on the check. Every time I call, I get a new excuse and different information as to why the funds haven't been released. The house suffered structural damages so I decided to pay for part of the repairs ( foundation ) out of pocket. Last week for the first time I heard that the invoice I sent signed by me and the contractor had to go through a review process and that would take an additional 3 to 5 business days. 

I have note heard from Franklin American on this issue. They continue to hold on to my claim money and give me conflicting and incorrect information on a daily basis. Here 's the log of issues since this complaint was filed : - I was told last week that an exception request for the reimbursement of the {$10000.00} that I have paid the contractor and provided a signed receipt for, just was I was instructued, was being processed. Yesterday I was informed that it had been denied on XX/XX/XXXX without any explanation. I was then told by the rep that she'd put in another exception request for me referencing the paid receipt. I called back later in the day and was told by another rep that the previous rep " got side tracked '' and never put in a request. So now I have to wait another 3 to 5 business days to have a response from " corporate '' then another 3 to 5 business days for the reimbursement to be processed, assumed it's approved. This is yet another delay tactic to hold on to my money as I had been told that as long as I provide a receipt signed by the contractor I'd get reimbursed. I need this escalated ASAP! How am I expected to get my home repaired and pay my mortgae on time if these people are not releasing the funds?? 


- I have asked to speak with their supervisor and was told that someone would contact me in 2 to 3 business days. My latest request was on Monday and as of today, Friday, nobody has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with Synovus Bank (GA).
Issue: Closing/Cancelling account

Complaint: I had a secured credit card with First Progress Card. I called and had the account closed. I informed the representative to use my security deposit money to pay off the account. They are reporting the account as a charge off on my XXXX credit reports. Ive had the credit bureau 's investigate my claim. They did n't resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with Asset Maximization Group, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid by my insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX for my daughter on XXXX XXXX, XXXX. My health Insurance provider paid this medical bill in full in XX/XX/XXXX for the visit and the physicians. XXXX XXXX XXXX has sold this debt to XXXX different collection agencies. Those collection agencies were provided the proof that this medical bill has been paid in full by the health insurance provider XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Once again, I am being harassed by another collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Other financial service (Credit repair) with MyScore LLC (CA).
Issue: Fraud or scam

Complaint: I am just learning that XXXX is a well- known and much-reported scam. This is a copy of the email that was sent to me asking me to do a free credit report. I am asking for my three months ' billings to be refunded. I am in touch with XXXX Fraud Prevention and I am filing a claim. I have also been in touch with XXXX ( which is the company that you allegedly use ) that this scam is ongoing throughout the US. 
I am on social media and alerting all that this company as a scam. 

Here is another example of it : https : XXXX? XXXX -- -- -- -- -- THIS IS THE FORM LETTER I RECEIVED Hi XXXX, Thank you for your interest in the property listed for rent. You were the second to e-mail from the ad. The first prospective tenant no longer had to move because of his home situation. So we give the opportunity to you. We are now ready to lease with flexible terms and just completed all new renovations. We will work with you on move in date, lease length and security deposit. 

I understand that you desire the exact address of the property but my husband does not want me divulge due to safety reasons. We have had a string of break-ins, squatters and thefts at our other properties. We want to prevent that with this property because of the renovations that have cost plenty of money. You 'll be the first to move in with the renovations. That is why we want to confirm you haveyour updated report before we schedule a tour. 

All utilities are priced into the lease along with garage parking spaces. The appliances in the kitchen as well as laundry room were just installed. You have the option to pick your paint color and flooring priorto your arrival If you would like to set up an appointment, go to the link below and request a copy of your report. We recommend this site because all of our tenants used it and have n't had any problems. Just fill out the form and indicate that you want the report. We are not concerned with any negative report items, it 's more of a formality to ensure you have rental history. You can get your report by CLICKING HERE Do not send me the report over mail, bring it to the tour. Please let me know when you grab your report. I can then schedule you for a walk through of the place. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Medical) with CAB Receivables, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt collector has intruded into my credit trade lines via a third party. They are in possession of my person 's nonpublic ( private ) data, which is a violation of the Social Security Act, Gramm-Leach-Bliley Act, Title 18 and the FDCPA U.S.C. 1962c ( b ) and Identity Theft with is a violation of the FTC. I never verified my person 's social security number and XXXX XXXX , XXXX has never obtained my prior consent to communicate with me FDCPA U.S.C. 1692c ( a ). 
I sent a Cerified Return Reciept letter to the companies registered agent in addition to a copy sent directly to this debt collector to include a cease and desist and removal of this information from my trade lines with an invoice for damages enclosed. I have given them the proper amount of time to contact me with regards to this and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: Discover Card has acknowledged that accounts ending in XXXX and XXXX were closed due to identity theft XXXX FRAUD XXXX, but had continue to charge me for XXXX purchases XXXX ( {$600.00}, {$1400.00}, {$3800.00} XXXX. Although I told them these were non receipt items, they insisted it was fraud and treated it with the Fraud Department. It should have remained in disputes. Regardless, the disputes exceeded the allowance of 45 days which then should become permanent. However you will see it took them several months with the investigation and there was no correspondence between the initial credit until they decided ( WITHOUT PROVIDING EVIDENCE ) that these transactions were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (VA).
Issue: Received a loan you didn't apply for

Complaint: They send warrent and summons threw my email ; they threaten to have me prosicuted in the highest court for bank fraud.I never got a loan my account was hacked 3 years ago i then was told by the bank to get a new account im still getting threats

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have contacted Sallie Mae and my mother about XXXX times trying to get my payments down so I can afford them. They have repeatedly told me that they could not, I told them how much I make and I started work over two months ago they were nasty and told me to get another job. I know I must pay but I can not XXXX a month I only bring home XXXX bi-weekly.i have other students loans that I must pay. Plus car insurance phone bill health insurance I do n't work 40 hrs a week most times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Consumer Loan (Vehicle loan) with VW Credit (TX).
Issue: Shopping for a loan or lease

Complaint: I am a XXXX year old student who took out a car loan in XXXX from Volkswagen. Today I Went to my local credit union to refinance my car loan and they said that the income I have which is student loans does not count as income and that Volkswagen Credit should not have issued me the loan. When I got the loan from them I explained clearly that my money was from student loans and I was unemployed and now thinking about it I remember them asking me to fill the form as my XXXX as my employer they said to do that since my financial aid was the money I was living on with the purpose to refinance after several months to get a better rate once I proved more of my credit worthiness. But now I am stuck with the interest they gave me and I am unable to refinance at a lower interest rate because they did they do n't do refinancing because they are not a bank. So I feel misled and misguided when they said to put my financial aid as income since now I have to stick with them and their interest rate. I feel like they lied to me and they lied to the loan people since financial aid ca n't be counted as income.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting XXXX inquiries on my Equifax credit report all the while these inquiries are not tied to any account showing up on any of my credit reports. I have contacted XXXX via certified mail to no avail. Please have XXXX remove these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a XXXX and XXXX mortgage with Ocwen. The ARM changed in XXXX. I c kept calling to find out the new rate, but was never told the amount would increase an additional {$410.00} which is an amount now applied to principal. My husband took a new job where we are paid on the XXXX. We have a SS check that hits on the XXXX of the month. 
I called Ocwen to have our second mortgage gate changed to the XXXX. of the month, but was told that, they could not change the due date of our XXXX mortgage ; I would have to get a new mortgage. 
Our XXXX mortgage has been late five months in a row. 
Late charges keep adding on. 
What recourse do I have? 
Ocwen refuses to help me by changing the due date to the XXXX on our XXXX mortgage, which is at almost 15 % interest rate and only {$22.00} is applied to principle. I got caught in the XXXX scam. Account # XXXX Please let me know if you can advise or help me. 
Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation