milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: BANK OF AMERICA has incorrectly reported the status of my mortgage, since XX/XX/XXXX, to the credit reporting agencies. A " DISPUTE '' dated XXXX/XXXX/XXXX was submitted to BANK OF AMERICA recently. BANK OF AMERICA letter, dated : XXXX XXXX, XXXX, with regard to my Mortgage Account No. : XXXX, stated : '' ... We 've completed a review of our records and have confirmed the information we provided to the CRA is accurate. '' Since their reply is not true, I wish to file a complaint against BANK OF AMERICA with the CFPB.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Credit Score Was At About XXXX  Back In Early XX/XX/XXXX. i Had Late Payments Thus Derogatory Remarks. Made Payments Later That Year. Credit Score Went Up To Around XXXX. i Kept " Late Payments '' At XXXX  . Made A Payment In XX/XX/XXXX. Yet Credit Score Remained Stagnant.

Based On TransUnions Customer Representative, Factors Matter. The Only Factor Based On The Factors Used To Determine The Credit Score Is 'Late Payments '. None Of The Other Factors Have Major Effect On My Account, Since They Are Up To Par.

If Back In XX/XX/XXXXThe Credit Score Went Up After Making The Payments, Why Not In XX/XX/XXXX Payment?

Every Time i Directed The Customer Representative To The Point Of My Call, She Tried To Divert My Attention.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I received my credit score from one of my lenders and it mentioned i had a serious delinquency. I tried recving my free annual credit report from the government website. I was able to get XXXX and XXXX just fine but Equifax will not let me receive mine. I have tried going on the Equifax website and it still would n't let me. I should not have a serious delinquency and/or no late payments on my credit report. XXXX and XXXX both reflect the correct information but Equifax is not. I am guessing its possibly showing a late payment with my XXXX XXXX student loan? But i am not 100 % sure since i can not view my credit report from Equifax. I have reached out to XXXX XXXX 5 times and each representative has confirmed that they did not report late on my student loan. They have told me that they reported it as 0 days late. XXXX reflects that as well. So i am wondering why my Equifax fico score says i have delinquency or possible late payment and if so need it disputed since thats not accurate. I am guessing it has to do with my XXXX XXXX loan since when i check XXXX XXXX for my credit reports XXXX shows it all correct. But Equifax is showing blanks for last reported on my XX/XX/XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with CITIBANK, N.A. (PR).
Issue: Delinquent account

Complaint: I am a victim of the worst customer service credit card, Macy 's. 
On XXXX XXXX, 2010 I spoke to XXXX XXXX XXXX from Macy 's Customer Service were I inquired about phone calls I received indicating that I had a delinquency in my account. She informed me that there was a {$37.00} charge pending payment and I expressed I did not recognized the charge as been my purchase. I also expressed my complete frustration with Macy 's Customer Service because I never received my credit card statements and I had called more than XXXX times to correct my address but always got a Customer Rep from XXXX and not even dictating every single word never got my address corrected. I had to go to the store every month with my receipts to pay in full my credit card. She indicated that my statements came back to Macy 's as undeliverable mail and corrected my address once again. She sent me copy of the {$37.00} receipt ( finally I receive something ) and I still did not recognize the purchase for which reason as she explained I should do ; I sent a dispute via fax to Macy 's XXXX disputing the {$37.00} charge in my account indicating I understood it was fraudulent and requesting an investigation. I also mentioned my complete dissatisfaction with Macy 's very poor Customer Service. Evidently, Macy 's was negligent in processing my dispute and investigation as I ended up with a collections/charged-off account for the first time in my life which has damaged the excellent credit I have been able to build up with many sacrifices over the years. This is a burden I now carry that is impeding me to refinance my mortgage because of my credit being damaged in all three major credit bureaus. 

Needless to say, I am a very responsible and thorough person with all my debts and have never had issues with other lenders where I have over XXXX in credit and all my accounts are paid as agreed. And I would definitely not neglect my credit for a {$37.00} charge!! 

I have been in contact since XXXX XXXX with both Macy 's and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX who now owns my Macy 's account and even XXXX XXXX the collection agency XXXX issued a dispute of the collections/charged-off account to be taken out of my XXXX credit reports. But today is XXXX XXXX and Macy 's has not solved this issue and I still have not been able to refinance my home! 

This has been a nightmare that has no end and Macy 's needs to be held accountable for the damage they cause to clients who like me have a damaged credit because of their own negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IA).
Issue: Loan modification,collection,foreclosure

Complaint: My FHA Mortgage servicer, Carrington Mortgage Services, is refusing to review my complete application for the Making Home Affordable Programs siting false giudlines that I can not apply for a review without estranged ex-wife 's income. They have advised the only way to get a modification review would be to fraudulently inflate my affordability by including her income on my application for this federal program. I have sought out the assistance of a third party and we have made multiple attempts to escalate the request within the line of business. However ; my servicer continues to direct me away from applying for HAMP instead directing me toward the unattainable reinstatement or assumption processes. I have had a document-able, short term, hardship and now have the ability to make mortgage payments. I also have the desire and commitment to maintain my home-ownership. The staff has been rude, uninformed, overbearing, condescending and confrontational. Due to the level of service I 'm becoming increasingly convinced this is a predatory tactic to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: National collegiate trust bought out my student loans and claimed I am I 'm default from loans that were purchased in 2005. I have mad several attempts to get this business under fire for their wrongdoings and wo n't stop until I do. There is nothing stating I must stay in default and have my credit ruined by a collector XXXX. The loans were originally serviced out of XXXX and I live in XXXX. Somewhere this loan stops here. I even tried to send a complaint to the XXXX on this company to which I was told down at exist. I have a screen shot of the initial letter that states this. How am I paying to a company that does n't exist or when trying to locate even simply through XXXX wo n't come up? I refuse to stay in default for over 4 years. Something needs to be done. XXXX XXXX and XXXX has my loans and if you do n't answer then I 'll go after them too.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital One  Auto Finance provided a document as their method of verification how was this physical documentation provided to the credit reporting agencies  XXXX ,  XXXX   XXXX  and  XXXX . Please provide the method of verification, did you all under the FCRA law send this physical documentation with my signature to the credit bureaus, IF NOT, then the information under FCRA Section  623 of the Fair Credit Reporting Act governs the responsibilities of furnishers ( CAP1 AUTO FINANCE ) of information to consumer reporting agencies to report 100 % verifiabl e and 100 %. If this physical contract with my signature was not PROVIDED to  XXXX ,  XXXX , and  XXXX   XXXX  I attend to Pursue litigation under applicable laws for this violation. Send it  Via  CFPB portal the confirmation of this contract with my signature and how you sent it to  XXXX ,  XXXX , and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a letter from Experian dated XXXX XXXX, 2015 stating that i needed to call them directly as they believe my dispute by mail was suspicious. After speaking to XXXX of there representatives and providing proof that they are reporting wrong personal information, they still claim to have verified my inaccurate information and will not remove it. I asked for proof of there verification and they will not provide it to me. They are also reporting inaccurate and unverifiable accounts and they will not remove them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Fresh out of high school I wanted to be someone successful. I went into XXXX College to get some info in classes that were available, I get told that if i sign up for school I can get a job guaranteed. So I fell for it and signed up, when I signed up I had to have a second signature and they told me to have any other adult sign. So I got the paperwork signed, enrolled, started classes to become a XXXX. After graduation I applied for jobs and nothing. I applied for the XXXX with a year waiting list and nothing. Places I applied for told me they could not hire me do to not having experience. I then applied for a position in the XXXX again with another year waiting list and nothing. So, now I 'm here stuck with a student loan that just keep accumulating interest. At the time I signed up with XXXX College to become a XXXX, I did n't understand Interest rates and how much this whole thing was going to cost, I just understood that i would be guaranteed a job.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: I applied and received a Chase Bank cobranded credit card with XXXX. I registered it online with my account at Chase, in the same manner in which I registered my other Chase credit cards. As part of the registration, I set it up for automatic payment. The Chase system gave me the option, through a drop-down menu, to use the information already in their system to deduct the payment from my checking account at another institution. Apparently, the Chase system did not populate the existing information correctly for the Fairmont credit card. When it came time to process the payment, the transaction failed. This was all due to an error in the Chase system. 

As a result, Chase charge me interest for the late payment and is likely not to give me the promotional benefit which enticed me to open the account. It is also likely that they will report me to a consumer reporting agency for having a late payment. 

I talked to an individual at Chase by the name of XXXX XXXX. He was completely ill prepared to address my issue and was unable to resolve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. 10 different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ), XX/XX/XXXX XX/XX/XXXX ( again 2 in one day ) and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 in one day ) Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I am a husband and father going through a very emotional financial hardship. I am also very optimistic of my future as I continue to battle through and run towards opportunities. Due to my current financial strain I am unable to pay for my bills as scheduled and my bank has been covering the insufficient funds. As I do understand and appreciate this policy under reasonable terms, I do believe that I have been taken advantage of. As a result of the banks unreasonable fees I am currently overdrawn $ -XXXX with my account scheduled to close sometime on XX/XX/XXXX if I do not make the account current. I do plan on seeing some money soon but I 'm afraid that this may just cover my negative balance leaving me with no money to pay my bills and many more bank fees. As of today from the beginning of the year ( 2017 ) I have incurred {$2000.00} in bank fees with {$980.00} just being in the last 3 months. This is not a reasonable practice and I must do what I can to try to resolve and also alert other consumers that are going through the same issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is emporium and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete it 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 explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: Equifax is reporting outdated information.
XXXX and XXXX XXXX XXXX  are two accounts that should have been deleted in XXXX.
XXXX  and XXXX both deleted these accounts as they should have but Equifax continues to be uncooperative and defiant. They are ignoring the fact that the first delinquency for both of these accounts is more than 7 years old.
I have been denied credit twice in the last few weeks soley based on a report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Account Resolutions Services. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Account Resolutions Services. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Account Resolutions Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 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: Account information incorrect

Complaint: I would like to file a complaint against Equifax for knowingly placing inaccurate information on my credit report. I disputed inaccurate information and inaccurate inquiries. 
Equifax investigated and sent me their dispute results. They deleted XXXX collection account and deleted XXXX inquiries. But on the new updated credit report Equifax sent me. Equifax listed the same XXXX inquiries and the same collection account that they deleted from their investigation. Equifax is knowingly placing deleted inaccurate information on my new credit report. I want Equifax to be fined for this, and made to remove this information a XXXX time from my credit report. This is so outrageous. I will be enclosing a copy of everything as proof. Please view below : Inquiries removed : ( XXXX ) XXXX XXXX  DATE OF INQUIRY XXXX/XXXX/XXXX. ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) REXXXX XXXX DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX DEALER SERVICE, DATE OF INQUIRY XXXX/XXXX/XXXX XXXX XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX Collection Account removed : XXXX XXXX, ACCOUNT NUMBER XXXX The XXXX inquiries and XXXX collection account were deleted by Equifax. XXXX XXXX XXXX and XXXX XXXX of the enclosed report. Page XXXX of the update credit report shows Equifax relisted the deleted collection account, XXXX XXXX, ACCOUNT NUMBER XXXX. XXXX XXXX of the updated Equifax credit report shows Equifax relisted all XXXX inquiries they deleted, which are located on XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief