milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: Bank of America has repeatedly refused to accept my on time payments without explanation. After explaining this matter to countless representatives, I was repeatedly assured that the mistake was exclusively that of Bank of America 's and that I was, in fact, do a refund. To date, that refund has not been posted. All of the returned payments included the full and correct account number. There is no excuse for BoA 's unlawful conduct.

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 09/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I feel as though I 've been subjected to predatory loans as a result of taking out private student XXXX loans. My loans, nominal in nature, have been regularly paid for the past 10+years, and I have seen little to no reduction in principal balance. I feel as though this was misrepresented to me when I originally signed up for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage from Amerisave XX/XX/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: In XXXX I disputed an XXXX XXXX XXXX on my credit report. The credit item was then deleted from my report after communication with the creditor and with Experian. Several months later the account was re-inserted on my credit report without notification. It is my understanding that the bureaus have a responsibility to notify consumer if deleted information is re-inserted on my report. I never received such notification. 

In addition to Experian 's negligence, I the creditor never reported the item as disputed even I had previously disputed the account with them. I have an idea what happened that may have caused the mixup. XXXX XXXX XXXX was no longer reporting on my credit until my husband began to dispute the item on his report. This is when XXXX XXXX and Experian decided the account should be added back to my report. And they added it illegally. 

The partial account number associated with this account is 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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX:XXXXXX2016 and XXXXX.2016

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with States Recovery Systems, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was XXXX for a XXXX and once in XXXX I XXXX XXXX XXXX XXXX in the hospital with multiple XXXX XXXX that resulted in me needing XXXX as well as XXXX on the top of my head. The police officers say I did it to myself in the back of their car at the site of where I was stopped for the XXXX XXXX. They then took me to the police station and called the paramedics and transported me to the hospital against my will per the police report. I dont know how to dispute this bill they say I owe. I believe I was injured by law enforcement and they should be held responsible for my medical bills because I was in XXXX when this happened. I dont believe I am responsible for any of the damage and wish I had an attorney that could fight my case, but I dont have the Finacial means not the time to do so. I just want to put this behind me and this XXXX XXXX XXXX XXXX is threatening to send it to the franchise tax board for collections without me being able to speak with anyone about the manner. Hopefully somebody can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent in a dispute to TransUnion concerning the inaccurate reporting of accounts of my credit report and i have not received back any correspondence. The items listed on my credit report where discharged in a bankruptcy. XXXX XXXX # XXXX. XXXX XXXX # XXXX Bal {$5700.00}. this account was not properly updated. XXXX XXXX # XXXX Bal {$550.00} discharged in a Bankruptcy not properly updated. There have been several complaints and no feedback whatsoever so now I am officially filing a complaint with the Bureau of Consumer Financial XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with Unifin Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (GA).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage for a house on  XXXX   XXXX  from   XXXX   of  XXXX   XXXX , FL, then a month later the mortgage was sold to  XXXX   XXXX    XXXX   whom had it for over a year. Due to the high monthly instalments ( {$1200.00} plus {$280.00} for HOA ) I decided to apply for modification with  XXXX , The bank turned me down five times and sent me a letter for foreclosure on  XXXX . I hired an attorney at that point and chase was unable to foreclosure on my property after my lawyer brought them before the judge in  XXXX  county, Fl.Therefore chase got rid off the mortgage to avoid litigation and sold it to  XXXX  Bank  XXXX   XXXX , after Hud approval.  XXXX   XXXX    XXXX   pursued foreclosure unsuccessfully since they lost in court in  XXXX  in  XXXX   XXXX   XXXX  loan servicer came on board to service this loan for  XXXX   XXXX  (  BSI Financial Services  ) After losing battle in court  XXXX    XXXX     XXXX  transferred the loan to  XXXX   XXXX  and BSI kept servicing this loan. For over a year  BSI Financial  attempted to collect the mortgage payments and also tried to foreclosure but after speaking with my attorney they surrendered their intentions and transferred their loan services to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Then sold the mortgage back to  XXXX   XXXX  keeping  XXXX   XXXX  as their servicer, this happened just on  XXXX  .The pro blem is that  BSI Financial i ssued me a  XXXX  tax form for the year of  XXXX  after they transferred the loan to  XXXX . I called them to find out the validity of this and after speaking with  XXXX  at BSI, he said he had no knowledge about it and that he would research the issue and get back to me or my attorney, never happened, so I called the IRS and I was told That BSI needed to issue a corrected  XXXX  .I must  mention that BSI claims this form is for a " cancellation of debt on a mortgage dated on  XXXX / XXXX / XXXX  '' .My house has never been in bankruptcy, not sold or else. Records on  XXXX  county, FL still show I 'm a the owner of this property.BSI has placed my name on the  XXXX  credit burew as bad debt, which I also dispute, since I have no business with BSI whatsoever. Please I need to clear my credit report from this illegitimate input and also have BSI Financial services  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  to correct and issue a corrected  XXXX . Thank you very much for your help

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 01/25/2017 about Debt collection (Mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: Despite previous requests that mortgage servicer not contact me at work and the mortgage servicer having my personal phone number, Homebridge Financial Services has continued to contact me at work including leaving a voice message in my employer 's general voicemail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is n't removing XXXX accounts ( medical collections with XXXX XXXX XXXX ) which they claim have been verified. The company agreed to remove the items from my report when I paid the account over a year ago on XXXX & 3 years ago on the other. I have n't used my credit in years so I was unaware of the negativity still being reported. I would like Experian & XXXX to remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed up for auto insurance for 1 vehicle and when the bill for that month was not what I was qouted and actually astronomically higher I cancelled with them. The amount i was qouted was around 120 dollars a month so i paid the XXXX. They charged me XXXX for one month because someone entered it wrong in their system and I refuse to pay XXXX for 1 month of auto insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The year XXXX of this year where my information was stolen from different sources that uses equifax and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit reporting () with CB1, Inc. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a about XXXX to XXXX things on my credit report that I do not believe belong there in 2013 my significant other was killed in a car crash the owner of the car did not have insurance now my late significant others medical bills are now in collection for me and I do not believe that I should be charged with these there is almost {$10000.00} also there is another report on my credit that is from Child Support that I have never had to pay child supportthere are about XXXX more reports on my credit I do not believe be long to me and I do not believe I should be hurt by them I am trying to buy a house and can not get financed because of the negative reports

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not protect my identity properly and now has exposed my personal identity to public records. My life is now in shambles.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (VA mortgage) with BOK FINANCIAL CORP (NM).
Issue: Credit decision / Underwriting

Complaint: Mortgage lender, XXXX XXXX, of Bank of Albuqurque, recently sent me an email stating he wants me for his new home improvement line of credit program, after he recently refinanced our home through the XXXX His assistant urged me to apply, and reluctantly I did, stating to her I would be turned down. She said no, I would not. I went ahead, and she called back and said I was turned down. So that burned me pretty good. And it was apparently mean-spirited. Or just incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I can not access my online checking and savings despite several attempts to reset my password via email /text message conformation. However I was sent an email of a over drawn balance although I did not have any account activity.

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 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stuart-Lippman and Associates, Inc (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been paying on a promissory note related to a settlement since XXXX 2015. I have never missed a payment. 

However, a collection agency, Stuart-Lippman and Associates, started calling me stating that a payment was not made, and that if I do n't pay the required amount, then, I will be in default, and they will start the lawsuit all over again. 

The person from Stuart-Lippman claimed that I had to pay {$790.00} plus an additional payment of {$620.00} for a previous month to consider the settlement not in default. If I did not pay, then, he threatened that the settlement would be null and void. 

Then, subsequently, when I said those numbers did not make sense, he pressed and said the balance was more than it was, and falsified additional payments amounts to pressure me into making payments that were not required. 

Under the note, the payments are only {$500.00} per month. When I said he was wrong, and that he is violating Consumer Protection laws by making false statements, he then, retracted his statements and basically agreed that it was {$500.00} per month. 

Though he has retracted what he meant, he was still previously pressuring me and providing false statements to entice me to pay a higher amount that was not required, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I have been back and forth with both  Capital One  and  XXXX  about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report

Complaint: On   XXXX   XXXX   XXXX   I obtained a HELOC from Wachovia Bank for {$160000.00} for my home at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  - Loan Number :  XXXX . The loan officer was  XXXX   XXXX , and they did not require any proof of employment docs, only the deed to the property. They filed a lien on the property.   I became   XXXX   in   XXXX   XXXX   and was unable to find work for  XXXX  months, and was carrying {$2.00}  XXXX  in debt. After exhausting all resources, including  XXXX , stock, and savings I filed a Chapter  XXXX  bankruptcy in  XXXX . The HELOC and all other debt was discharged. I was able to bring the smaller  XXXX  mortgage current and keep the home.  Wells Fargo Bank (  successor ) has refused to remove the lien, even though they have received the Bankruptcy discharge documents, and their own records show the debt is gone. I have spent over   XXXX   years writing and trying to find someone to assist. In writing, I just get a form letter and on the phone they say they can not discuss this due to the bankruptcy discharge. Wells did however use my information to open  XXXX   Wells Fargo  bank accounts in  XXXX , AZ ( I live in FL ). The  Wells Fargo  employee was  XXXX   XXXX . I closed the accounts as soon as I learned about them.   I am  XXXX  and getting ready to go on   XXXX   XXXX  , and move to a less expensive area out of state. I can not sell my house with this lien on it, and  Wells Fargo  does n't respond for requests to remove it.   Attached is the a copy o f Wells Information  copied from my  XXXX  credit report and my Bankruptcy discharge from the court.  Wells Fargo  will not provide any documents to me, saying that the debt was discharged.   Please let me know what I can do to get the lien removed.    XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Security Credit Services, LLC (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I monitor my credit report on a monthly basis and it appears that a company other that the original creditor is attempting to collect a debt. I was not notified via email, phone, and by mail to inform me of this proposed collection. I have never interacted with this company. A letter of validation was sent to company. I did not open any account with Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This recovery company continues to call ( over XXXX months ) asking for a " XXXX '' ( no one of that name resides here ). It is a debt collection company, and they wo n't take me off their list.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Good day all ; Please review the below dispute at your earliest opportunity.     Warm regards,  XXXX   XXXX  Consumer Source of Information : The  Huntington National  Bank  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Consumer ID :  XXXX  for  XXXX   XXXX   XXXX   XXXX  This account was included in a chapter  XXXX  bankruptcy i n 2010. Th is account should not only be removed from the credit report, it should be removed from check systems as well.     Further note that the address being reported for this account is inaccurate because the correct address is as follows: XXXX   XXXX   XXXX    ,    XXXX  , MI  XXXX  this when the account was open.

Company response to consumer: Closed with explanation