milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I leased a XX/XX/XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XX/XX/XXXX. The courts approved the Reaffirmation Agreement on XX/XX/XXXX. The XXXX XXXX was then turned in at the XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, XXXX, and CBClnnovis are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XX/XX/XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: XX/XX/XXXX, I submitted a complaint to CFPB about the overdraft fees that had been applied to my account. The fees were excessive and I was very dissatisfied with the fact that I was often getting charged {$35.00} for payment of small items or where the overdraft was less than {$35.00}. I am again recording a complaint about the practice for XX/XX/XXXX. During the year, I was charged overdrafts for either ( i ) processing items that were in an amount far less than {$35.00}, ( ii ) where the associated overdraft was less than {$35.00}. In there was one instance where I was charged for an overdraft of {$17.00} or ( iii ) charged multiple times where the processing sequence of items was completed such that the largest item was processed first and then each smaller item would generate a fee. I would like to get Bank of America to improve its policies to help more and so I am requesting that my account be reviewed.

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 08/20/2016 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Dear CFPB, this company LEGAL RECOVERY LAW OFFICE, has seized all the money in our bank account total {$2100.00} plus fees total {$2200.00} on XXXX/XXXX/XXXX, leaving us with no money to pay our modified mortgage or utilities or groceries. 
The bank is holding the funds until XXXX/XXXX/XXXX before releasing it. Attached is bank notice to us. 

In XXXX XXXX when the real estate market crashed in XXXX XXXX California , my wife and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were broke. I was XXXX at the time and due to health issues I was not able to continue with that business. I had used my XXXX XXXX credit card during my XXXX for expenses but with the lost of my business, I was not able to make payments. My wife and I started with sales but that took us some time to get back on our feet. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and even mortgage payments. Now we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments ; my wife and I are barely making enough to get by in this economy. 
After we became default with my credit cards in XXXX. XXXX XXXX sold the debt to LEGAL RECOVERY LAW OFFICES INC in XXXX of XXXX ; They filed a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from our bank accounts various times leaving us without money to pay my modification mortgage or utility bills or groceries. They have continuously caused us tremendous XXXX. On the XXXX of XXXX XXXX, they have taken {$2200.00} from our account ( this is my mortgage payment ). Now we are devastated. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Creditor contacting a number which their client no longer currently lives.

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 12-05-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: Back in XX/XX/2016 I did not receive my credit card statement from Citibank in a timely Matter. By the time I was notified the account was over 31 days past due. I made payment as soon as I was notified. I have never missed payment on anything ever in my life. I called and spoke with someone in XX/XX/XXXX because I am applying for a mortgage and explained what happened. That person assured me that the account would be updated and they would remove late from my credit report. I called back and spoke with XXXX other people was explained the same thing it would be removed. So I paid for a rate lock extension of {$3000.00} only to get a letter several days later saying no they are not going to remove it. They committed to something which they have recorded on tape and now wo n't stick to it costing me extra 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 07/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They would remove the inquiries then they would put them back on, I do n't know why they would do that, only XXXX and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with one on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a letter to Applied Bank to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from applied bank nor have they marked any of my reports disputed within the time frame per the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I signed up for email notifications with ACS. ACS agreed to provide me with email notifications when payments were due. ACS provided me a notification of a payment due on XXXX XXXX, 2015. From that point forward, I did not receive any notification from ACS of any payments due until approximately XXXX XXXX, 2015. On approximately XXXX XXXX, 2015, I received a phone call from ACS informing me that my account was severely past due. I asked how this could be, because I had not received any email notifications. I made a payment to bring my account current. Because I had not received any payment notifications from ACS in several months, it was my understanding either that my account was on auto-pay, or, that my account was otherwise in good standing. 

In my view, this constitutes a deceptive and unfair trade practice. It is deceptive for ACS to offer an " email notification '' option, wherein it represents that it will send a borrower email notifications when payments are due, and then not honor that representation. 

I understand how busy the CFPB is and I understand that you have many more compelling cases to consider. However, I believe that this merits investigation. To put it simply : A few months ago, I had a credit score of XXXX. I was going to buy my first house XX/XX/XXXX. I just pulled my credit report tonight and saw that, as a result of this ACS situation, my credit has collapsed to XXXX ( lower on certain reports ). This is devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I wish to file complaint against Transunion XXXX I have sent 4 different dispute letters to correct inaccurate information on my transunion credit file. 
XX/XX/2018 was my 3rd letter asking for written verification of collections and I did not receive verification or any proof of an investigation. 
Again on XX/XX/2018 I sent a 4th and final letter to investigate and verify said accounts and still have yet to see any results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Wanted to close my bank account @ XXXX bank. I was told there is a fee for closing account of {$50.00} to close the account plus other service fee. After being on the phone for 2 hours trying to get this resolved, I get the vague answer that within banking guide lines that they have to charge a fee. Got a run around where they have transfered my call XXXX times and the XXXX agent said they could waive the fees. I originally open this account XX/XX/XXXX when it was XXXX bank and now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Dear Sir or Madam : Experian is requesting email addresses for a purported " FREE Dark Web Email Scan '' at XXXX : //www.experian.com/XXXX I understand they are also running TV commercials to advertise this service. This is blatant false advertising because it 's literally impossible to scan the dark web for an email address in any meaningful way. Presumably they could check a few sites which are known to them, but would never know where to find the others or how many they 're missing. They claim that this scan " gives you the knowledge you need to act '' but this is a false and deceptive assurance. 

In a since-deleted XXXX thread ( formerly at https : XXXX ), a user proves how deceptive this ad is. He knows that his information is on a particular dark web site, but the scan did not find it. Apparently the scan is pulling its data from https : //XXXX/ which is a free and public service by the XXXX individual XXXX XXXX. 

Please investigate this matter as soon as possible so that Experian does not have a chance to further victimize people who are trying to keep their information private. 

You may wish to note that I previously submitted the above as a complaint to the FTC, and they recommended that I submit this complaint to the CFPB as well. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: when my renewal for my membership fee from american express was up, i called and cancelled my card. i have a letter from them acknowledging my cancellation .they continually charge my card that membership fee and charge me late fees.they know say i owe them about XXXX dollars all from a membership fee and late charges. i told them i dispute the charges and told them to send it to a collection agency so i can bring it to arbitration .they do nothing but continual to charge me late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with Oportun Financial Corporation (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I took only {$1200.00} short term loan and started paying regularly. Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 4 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. They even refused to change the payment date from XXXX of every month to the XXXX week of the month as my rent is due on XXXX of every month and I just can not pay other bills on that day. 
I paid over 50 % of the loan amount but got into this debt trap by their false and misleading sales tactics. 

I am a XXXX XXXX XXXX diabetic patience and self employed. They harassed me many many times and also sued me to the local court. 

For me buying XXXX for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. They know about my condition and refused to lower interest rates and payment terms. 

Their debt trap will lead me to slow death as my medication is extremely important to me. Their harassment tactics put XXXX XXXX in my life and and as a result my blood sugar level has increased significantly. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX we filed for bankruptcy. At that time XXXX was our mortgage company. In XXXX of that same year XXXX XX/XX/XXXX XXXX XXXX mortgage company also filed for bankruptcy. XXXX was listed as XXXX of our debtors, however we did not file against them. We planned to remain in our home. XXXX XXXX took over our account in XX/XX/XXXX. So in XX/XX/XXXX when we filed bankruptcy XXXX XXXX was no where on the paper work. We only had XXXX mortgage company, XXXX. I am not sure how XXXX XXXX was added to the bankruptcy since they were not our mortgage company at that time. 

We have continued to pay our mortgage. Never has a payment been missed and there has never been any late payment fees accessed on our account. Because we always paid and had not been in contact with XXXX XXXX it was not until recently that we discovered that XXXX XXXX was on the bankruptcy. Now we understand that because we did not reaffirm our mortgage payments are not being reported to any of the credit bureaus. We need to have this information of a bankruptcy against XXXX XXXX removed. It is not correct and is noted as a negative on our credit report. Once this is resolved we will do whatever needs to be done to reaffirm with XXXX XXXX and continue to make our payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Payoff process

Complaint: This account has been paid in full but has not been reported paid in full to the credit bureaus. XXXX XXXX said the account has been updated. This is not being reported. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My information was compromised by my ex and unbeknownst to me opened up credit cards in my name. I tried to go thru the companies fraud department but they would not listen to me and they have since sold the accounts to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX and XXXX they never responded to these and are still open and the description of what took place is very outlined and it was all and ceated by wells fargo they lied/remove/delete and added all kinds of activity please read all the explanations and they are trying to get away with everything and was created by them please look at the explanations and they also deleted all kinds of statements and added all kinds of activity that had nothing to do with me and created all these accounts. enough is enough

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 02/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: My wife and I went to our local Chase branch to discuss an issue related to fees. The brand manager became rude and unprofessional and refused to help us. I advised her of our intent to contact the CFPB and we left. A few days later the branch manger sent the police to our house and later they closed her account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I borrowed a loan in XXXX for a year in college, the burden of the loan was too high and I withdrew from the program. They were unable to collect payments from me since I was not working then in XXXX I started XXXX and the loan was in collections or default, due to the aggressive collection efforts, I suffered from fear and XXXX and had to with draw from my program. I filed for bankruptcy but this loan will not go away and has affected my ability to get a job or move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did not pay my property tax for the period XX/XX/XXXX. I had a mortgage payment that included impounds for property tax and home insurance. When I returned from a trip, I received a notice from the Tax Collector that my property tax payment was delinquent. I immediately sent a letter to the lender my complaint. After a week of dispute, no settlement at all from their part. 
I have not been late with my mortgage payments for at least 4 years. My mortgage statements of XXXX/XXXX/XXXX up until XXXX/XXXX/XXXX showed escrow payments which I pay on time. What I do not understand is, how can a well known lender like them would be negligent in not paying my escrow. I did not even receive any notice from them that they are not paying my escrow. So I was just paying my mortgages on time knowing that my property taxes and home insurance are paid on time. 
My penalties have increased by the time I made arrangement with the Tax Collector. Since I do not have the full amount to pay my delinquent, I made a payment plan. I paid XXXX % up front and the rest in installments with interests. 
My stress level has gone up because of this. I have sleepless nights on how to budget my money now. I just hope I am not their only customer that experienced this. It is stressful and hearth breaking. You loose respect of the lender 's credibility. 
Thank you kindly.

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 08/22/2017 about Debt collection (Auto debt) with MacDowell & Associates, Ltd. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX, I received notice from an employer that I work temporary for from time to time ; pertaining information from XXXX XXXX, MacDowell * Associates , Ltd., XXXX, Georgia, about Garnishment of wages. When at this time, I am not even working for the company. MacDowell & Associates is claiming I owe XXXX XXXX XXXX, for payment after returning a lease, for what I have no idea because I never received a bill from XXXX XXXX XXXX after the lease obligation was fulfilled without any debt owed. The lease was purchased in the State of South Carolina from a XXXX dealer ; it was a 3 year lease from XX/XX/XXXX to XX/XX/XXXX ; in XX/XX/XXXX the vehicle was return, and I thought that was the end of it. After, almost 2 decades ( seventeen years ), MacDowell & Associates is still harassing me at whatever employment opportunity I get. Last year, they filed a complaint with another employer that I had a temporary job with. The continuous harassment and defamation of my character over what they claim is a debt from XX/XX/XXXX is unfair, I contacted them and told them to stop harassing me over this untrue debt. They are quoting the principal amount for {$1400.00} and total amount due {$5300.00}. I never received a bill for anything in XX/XX/XXXXfor XXXX XXXX XXXX saying I owe for anything after the lease was fulfilled. MacDowell * Associates , Ltd. is the company sending the garnishment notice 2 decades later. I have never received a copy of a bill of anything from MacDowell & Associates other than, garnishment notice ; no bill statement, etc. since XX/XX/XXXX, seventeen years ago.

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