milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 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: On or about XX/XX/XXXX I was notified by my lender that two tax liens from the State of XXXX appeared on my credit report. The Equifax credit score was XXXX. The tax liens were paid and released in XX/XX/XXXX. I filed a dispute with Equifax. On XX/XX/XXXX Equifax notified me in writing that the dispute had been investigated and completed. The results were that the tax liens reported on my report was updated report satisfied/released. I asked Equifax if they would contact the lender to update the report and credit score. Equifax stated that they could not contact the lender, who pulled the credit report, nor could they give me the new credit scores without paying {$7.00} and waiting 7-10 days for the score to be sent via us mail. The Equifax credit agent told me to have the bank re-pull the credit report to see the updated information. The bank re-pulled the credit report and discovered the following ; 1. The credit update was only made to my report and not my wife 's report as requested. 2. The credit score went down from XXXX after the two tax liens were removed from the report. I made several attempts to gain an explanation and get the credit scores to reflect the removal of the negative information, to no avail. Equifax stated that when the bank re-ran the report, as they requested the bank do, the credit score went down. This makes no sense. How does a credit score go down after negative information is removed?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: My Bank Of America account was forced closed recently because of lack of funds. I was under the impression that they would decline any transactions that i had not enough money for, but since somehow XXXX is set up as a recurring charge ( which it is not ), they allowed it to go deep into the negative. That is not the worst part, upon closer review I saw that on my transaction statement I had an overdraft charge before i even went negative, which put me in the negative. In the end I currently owe {$260.00} and of that {$210.00} is in overdraft fees. I have contacted them about paying the balance of the transactions made and getting rid of some of the fees but that was not going to happen. so i now am hoping for help regarding this matter. Bank of America is allowing payments that are non recurring to be processed as recurring which allows much easier ways to overdraft people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I have gotten bill/statement for ( dental ) services I did NOT receive. The ONLY ( dental ) work done in XXXX 2015 by XXXX XXXX, was XXXX ( XXXX ) dental XXXX whose price was quoted to me at XXXX dollars ( {$1100.00} ), yet I got a bill/ statement in the amount of XXXX XXXX XXXX dollars ( {$6000.00} ). Not only has my dental condition WORSTENED, I have NOT been able to be seen by another dentist, and my credit has been NEGATIVELY IMPACTED & gt ;

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MI).
Issue: Struggling to pay mortgage

Complaint: We submitted a short sale on X/XX/17 with Citi. A negotiator had already been assigned in XX/XX/XXXX. Our negotiator finally reviewed our file after numerous follow-up calls and e-mails on my part. On this  particular short sale the 1st lien is receiving a full payoff. The 2nd lien would then receive any remaining funds. On X/XX/17 I received a message from the negotiator advising me to REDUCE THE PAYOFF ON THE 2ND LIEN TO {$6000.00}. What would she like for me to do with the now excess {$71000.00}? I e-mailed XXXX my processor and called in. I spoke with XXXX on XX/XX/XXXX via  phone. She was able to communicate with the negotiator via IMing while I was on the phone. The negotiator said she did not realize the 1st was a full payoff ( yet she admitted she is assigned to the 1st and 2nd liens ). She said she would review the file and would update me on Monday XX/XX/XXXX. Of  course there was no update on XX/XX/XXXX, nor on XX/XX/XXXX when I called. The afternoon of XX/XX/XXXX XXXX  messaged me again with the negotiators update ... to reduce the payoff to the 2nd lien to  {$6000.00}!! Again, no advice on what to do with the {$71000.00} that Citi refuses to accept. XXXX then went on vacation until XX/XX/XXXX. I spoke with a manager on XX/XX/XXXX ( XXXX XXXX ) who agreed that the bank should be willing to accept the extra $ XXXX and that he would escalate my file for the negotiator 's manager to review. I called today, XX/XX/XXXX - still no update and still unable to speak with any decision maker. They told me to now wait until XX/XX/XXXX and then call back. My options are : pay myself the extra {$71000.00}, pay the seller {$71000.00}, reduce the sales price by {$71000.00} or give Citi the {$71000.00}. Unfortunately, no one at Citi seems smart enough to accept the {$71000.00}. I find it ridiculous that I have to ask for assistance to give you more money.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (RI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back at the beginning of XXXX I had a credit related issue dealing with JP Morgan Chase, after weeks of dealing with people who could n't give me any answers I finally was brought to someone in the executive office who was wonderful and willing to help in any way possible within her guidelines. I needed to resolve a late that was on my report, XXXX 2017, reported late on my credit report because there was a {$30.00} balance I was completely unaware of. Once this was brought to my attention it was immediately paid but to rectify the credit issue the representative from the XXXX reallocated my XXXX payment on XXXX XXXX so it reflected in XXXX which would take care of the late on my credit. When this was done, I did not realize it would take the entire XXXX payment and apply it to XXXX, I thought this would take just the payment necessary to cover that {$30.00} I was unaware of, so I just had the credit repulled and though the XXXX ( XXXX payment ) late was removed, now I have a XXXX late ( XXXX payment ) because my full XXXX payment was taken and applied to XXXX. I 'm not sure how we go about resolving this but I lost the house I was under contract on because of the XXXX late. After fixing the errors and having 3 letters from the executive office stating the late would be removed, when the credit bureaus called to verify they were told not to take the late off, we lost the house and I had to get everyone in touch with the correct people to verify and clarify the miscommunications going on. We are under contract on another house and will lose this one as well if this does n't get resolved. It is important for me to note that Chase reports for the prior month of payment. For example, they report on the XXXX of every month, so my XXXX credit report is a reflection of my XXXX payment. My XXXX XXXX credit report will be the report of my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: While I was living in  XXXX  with my family  serving as    XXXX   someone opened a   XXXX   XXXX   account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from   XXXX   XXXX   saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had.  XXXX    XXXX   would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Wrong amount charged or received

Complaint: they closed my accounts and its been almost 2 years and cant resolve nothing .I bought XXXX Bitcoin at  that time and they never gave me the coins. 
they canceled the transcations. 
i have proof of emails.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a dunning letter in the mail in early XXXX of 2017 from a debt collection agency named diversified consultants. They letter claimed that i owed a cable company by the name of XXXX a past due bill in the amount of {$200.00}. Account # XXXX. The suggested that i pay their agency this amount of money or they will report this alleged account to the credit bureaus. 
I responded to them with a letter sent certified receipt and notarized shortly after, in early XXXX of 2017, demanding that their agency send me documentation that they have power of attorney on this matter, that they provide other proofs that would give them legal rights to charge me with this alleged account. 

They responded with a letter that did not provide me with anything that i asked from them. They just stated simply that it was my account and attached a photo copy of a bill from XXXX, which is not legally sufficient enough to allow this collection agency to injure my three credit profiles. 

I checked my credit reports shortly after i received their letter and they did place this false account to they credit bureaus, XXXX, XXXX and XXXX. They didn't even have my address 100 % correct which, by this alone would qualify for them to delete this alleged account. According to laws of the FCRA, everything has to be 100 % accurate that is being reported to credit bureaus. They did this in a unfair and deceptive manner because they did not provide any power of attorney proofs, they did not give me proofs of any legal documentation that they can do business in the state of michigan among other request i asked for in my letter that would give them a right to proceed in this type of manner. 
As a result, they have injured all three of my personal credit profiles that will make it difficult for me to get approved for credit or anything else i may apply for that required a business to review my credit profile. I do not have any contracts with them for them to claim i owe them money, nor they have no legal proofs to represent any companies to demand money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX Navient Predatory Loan will not work with us my son has been cut to 15 hours a weekemployment and a fulltime XXXX, I am XXXX. They have lied, mis-represented us while we are struggling to make payments, not to mention that when they were XXXX, we thought we were getting a XXXX. Navient, formerly part of XXXX, Navient has created repayment obstacles for us by providing misleading information, deceptive practices, and failing to act when we need help most. We need financial relief for the Navient Predatory lenders. They also intimated if we fall behind ( which will hurt our- xcellent credit ) they will be more apt to help us. ( What a scam=they make more in the default loan market ) Is n't this Illegal to say this? We spoke with many different people to no avail. We ne need a principle balance reduction or a fixed rate. Most notably i sent a letter to the Ceo XXXX, only to receive a response by XXXX XXXX XXXX x XXXX, again offered nothing! Please Help XXXX XXXX you can Publish, without my name & # thank u

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My father passed away XX/XX/2016 and ALL of his effects, computers, everything was taken by a family from over XXXX yrs ago, he was paying the mortgage. They contacted Ditech and had all documents pertaining to my house and mortgage mailed to them, which means we had no way of contacting them ; no knowledge of even how to pay or who the loan provider was. We happened to find a paper in the house with Ditech on it and it turned out to be our loan provider. DItech our mortgage provider, we were snapped at and said that we ARE NOT the contact and they hung up on us. WE LIVE in the home and my mom owns half the house. But we had to wait until the court-appointed to discuss with them. That happened on XX/XX/2016. Almost XXXX months after he died, interest is still accruing, no payments made on the house yet. Then I contacted Ditech. I sent in all needed documentation. I spoke with a XXXX 
Ditech/XXXX then tells me my home is dangerously close to foreclosure, meanwhile, WE HAVE GOTTEN NOTHING WRITTEN BY THEM. I asked for an email, and they said they do not email anyone outside of DItech. I told them they had been dealing with some other person without any proof from the courts and that was irresponsible and reckless and now we are near defaulting on the loan. They are asking for XXXX paid at XXXX TIME!! This is unreasonable. We have nothing in writing ever sent to our house about anything regarding payments or the status of the house. 
I was feeling overwhelmed with this, so I asked a family friend to speak to them on my behalf and they asked for a written authorization, signed by me, allowing him to discuss terms of the estate. I have done everything they have asked ; all documentation sent. NOW, they are just dodging our phones calls, no responses, I email, I call, I leave messages, our family friend is doing the same, they are not responding. INTEREST is accruing and we want to figure this out. WE ARE NOT TRYING TO REACH FORECLOSURE. We just want to figure this out because Ditech allowed our information to be given to this other family prior to the court-appointed XXXX being authorized. If we had known or were allowed to speak with someone instead of being hung up on we could have made arrangements months ago. It should be illegal to just allow anyone to talk and change an address on someone else 's mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I will be XXXX by XX/XX/XXXX. What option if there is XXXX for cancellation or forgiveness I am struggling making payments of {$150.00} an {$50.00} in other ( XXXX loans ) total more than {$200.00} with a {$28000.00} salary, my wife does not work, I been paying since 2003 getting worse because I am diabetic and wife have health issues too. 
I do have another loan with wells fargo for {$380.00} and {$180.00} home assoc magmt payments please advise! 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 a cease and desist demand was sent ( certified mail with return receipt XXXX XXXX XXXX XXXX XXXX ) to Capital One in reference to consumers account ( s ) ending in XXXX & XXXX. Consumer specified consumers wish to have the accounts closed and noted as 'Accounts closed by consumer ' on consumers credit report. Consumer warned Capital One that consumer would check on consumers report within thirty ( 30 ) days from the date of notice to make sure Capital One had honored consumers request. Consumer received letters from Capital One dated XXXX XXXX, 2015 stating Capital One had applied a 'Cease & Desist ' to the account ( s ) which meant they would no longer contact consumer and stated that the cease & desist does not impact any payment plans, arrangements previously arranged with Capital One which leads the consumer to believe the account ( s ) have not been closed and noted as requested by consumer. Consumer requested knowledge that the accounts reflect closed by consumer under the Fair Credit Reporting Act ( " FCRA '' ) 15. U.S.C. Sections 1681u - 1681v. Consumer informed ( and warned ) Capital One that if they did not comply consumer would file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and ask complaint be forwarded to governing entities. A copy of the cease & desist document is attached to this complaint as proof positive request to Capital One and warning of consumer 's intent if Capital One did not honor consumers request under the Fair Credit Reporting Act ( " FCRA '' ). At this time Capital One is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681u ( " FCRA '' ) by misuse and misreporting the credit information provided by the consumer. Capital One furnishes information to consumer reporting agencies and is subject to Section 623 of the FCRA 15 U.S.C. Section 1681 s-2 which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. Reporting accounts as active when voluntarily closed by consumer and misstating the balance due is a violation of the FCRA. Consumer has the right to request consumer 's account reflect consumers wish to close the account by consumer on credit report. Capital One was told ( in writing ) that consumer intended to file a federal lawsuit if ANY negative information is placed on consumers credit report other than 'Account closed by Consumer '.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to obtain the substantiating documentation to support that the alleged debt Portfolio Recovery is reporting on my credit profile and my requests have been ignored. I have disputed this account with the credit bureaus and Portfolio Recovery and they continue to report the account as accurate. I have not had an account with XXXX XXXX in the past so my request again is for this company to supply all legal documentation related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OR).
Issue: Managing the loan or lease

Complaint: I originally had a loan set up for a new car I purchased through Wells Fargo Dealer Services. After a few months I decided to have my loan refinanced through a local credit union. The balance on the loan with Wells Fargo was paid in full by the credit union and yet Wells Fargo withdrew an additional {$270.00} from my checking account. I have called a number of times to their customer service number and been told " no one that works here can talk to me about my charge. '' I emailed my complaint to Wells Fargo Dealer Services and they responded that it would have to be handled over the phone. This has been ongoing for over a month.

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 11-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recover Associates is reporting a revolving account, as a factoring company, on a monthly basis on my credit report. The account that they claim to have purchased was in charge-off status prior to their acquisition of the debt and is therefore being reported inaccurately. This was disputed with the credit reporting agency in XXXX of 2015, and the collection agency verified the account and continued to report a monthly payment history to the CRA. They have also failed to provide the requested verification documents to prove the validity of the debt and the amount owed. In section XXXX of the recent Consent Order on CFPB File # : XXXX, it is stated that Portfolio Recovery Associates has a history of misrepresenting their intention to prove debts, and that misrepresentation is in violation of Sections XXXX XXXX XXXX and XXXX XXXX XXXX of the XXXX. Knowingly reporting inaccurate information to a credit bureau, as evidenced by their verification of my previous dispute, is also in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Payday loan) with AmeriCash Holding LLC (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've asked Americash Loans to stop contacting me several of times, and to only contact me through mail, yet they still call me. I received a call on Monday in which a guy told me that legal actions will be taken against me, and this evening XX/XX/2017 a lady by the name of " XXXX XXXX '' claiming to be an supervisor called me after I 've told them to stop calling me. A previous rep called me ignorant as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was declined a job offer based on my consumer report and want to know why and how this had occurred. To my knowledge there should be nothing holding me back from getting employed based on what is in my consumer report.

Company response to consumer: Closed with explanation