milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: In contacting Equifax to obtain a physical address ( not a XXXX ) in order to mail certified/registered mail. XXXX are not acceptable addresses to send certified/ registered mail to. I obtained with no problem same information from XXXX and XXXX where they did provide a non XXXX address without any problem or hesitation. Yet upon contacting Equifax for same information not only was their professionalism non-existent but they left me on hold for over an hour and ten minutes. In order to properly document a dispute to have my credit properly reported and reflect the correct credit score, the attempt was made to contact Equifax to obtain such information. All I got after this attempt was that Equifax does not have an address that receives Registered/Certified mail with no explanation whatsoever. To add further, in contacting directly I was placed on hold for an inordinate amount of time where call was never picked up. I had to call from a separate phone line altogether, speaking with Supervisor XXXX ( No last name provided ), where other call was still on hold while speaking with XXXX at the same time. It irks me that this company expresses customers/consumers are important to them. I beg to differ, not only was I treated like a second class citizen but my concerns now stem to whether they are reporting consumer credit information accurately given their blatant disregard for a consumer like myself trying to make a viable inquiry as to the financial credit reporting that this company is supposed to take seriously. To conclude, as a consumer I find this behavior deplorable, un-professional and seriously makes me question this company 's business practice on the treatment of customers/consumers, which now makes me question Equifax 's integrity on reporting financial credit information properly after my experience with them today. Thank you for your time and I look forward to CFPB 's response with regards to this matter. 

Respectfully submitted, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Closing/Cancelling account

Complaint: My credit card issued by Barclays was closed without notice. I received a notice saying the account was closed for 'unusual account activity ' and that my credit was not use in the decision. I would like my XXXX $ annual fee refunded, and the XXXX $ in unclaimed rewards credited to my account. The bank would not provide further explanation as to why my account was closed, and they refused to credit my account for the unused points or already paid annual fee. I find this behavior akin to a bait-and-switch. I used this credit card under the pretense of earning rewards, until the bank decides to unilaterally close the account and deem my earned rewards void.

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 04-08-2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MA).
Issue: Taking out the loan or lease

Complaint: I XXXX XXXX of XXXX XXXX XXXX XXXX recently purchased a XX/XX/XXXX XXXX sel and took out a used car loanmy previous car loan was through XXXX bank of massachusetts for {$280.00} per monthand I was never informed previously that my loan was sold to branch banking and trust company XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX texas XXXX never received a phone call or letter from XXXX Bank telling me my auto loan was soldmy new loan payments start as of XX/XX/XXXX with XXXX Bank XXXX XXXX Ma. the payments will be {$360.00} per month and I am on a fixed income from social security and XXXX I only receive {$1500.00} per month and I can pay the new loan but I ca n't pay the other loan payment.I would like this resolved as soon as possible before my new payments startI think this is a scam or fraud and it should be investigated by the consumer protection agencyI will not be scamed or have my assets be taken from meRegardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, I am writing you because XXXX XXXX XXXX has giving me a hard time trying to apply for a loan modification. It is more than 6 months trying to get help save my home. 
I called XXXX XXXX XXXX who is my lender asking for help because the 3rd income that I had moved out and that cause a big hardship on our income. 

Now we are 4 month behind and XXXX XXXX XXXX trying to get a loan modification, XXXX XXXX XXXX keeps telling me that they are not going to help me because the Investor of my loan is out on vacation and returning until XXXX. 

This is ridiculous to me since its almost 1 year seeking help and still no results. 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problems caused by my funds being low

Complaint: A little background to the story, I 'm an out of state XXXX student. I get a scholarship to study here & the tuition takes couple months to come in to my account. I 'm not working due to the fact that I 'm a full time plus more student. My mother is a single mother, trying to provide both me & my XXXX year old younger brother. It 's very hard especially during this time of the year, when I have to constantly ask my mother for money for food & material/supplies I need for upcoming/ongoing projects ( materials can be pretty expensive! ). Recently, Wells Fargo charged me {$35.00} XXXX on a purchase I had made at XXXX XXXX on a Thursday and money was put in the following day. Throughout the whole weekend, I constantly checked my bank account to make sure I did n't have an insufficient fund & I was doing completely fine. However, just today which is Monday, I checked my account to see that they charged me {$70.00} total for the transactions. I put in money into my account right after and called in to see if they can reimburse the fees but they coldheartedly declined my request and said that there was nothing they can do to help me. I do n't understand how any kind of banking service would be this rude and disrespectful. The charges were n't my fault, but still they refuse to believe that the fault is their system. I 've been a Wells Fargo customer for good 5 years, and yet they still have yet to respect me as a customer & help me out with the slightest thing like an reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I was repeatedly mailed promotions to open a Citi Gold Checking Acct and receive XXXX XXXX XXXX Miles. On XXXX XXXX, 2015 I open the account using promo XXXX. 
I was required to spend {$1000.00} in 60 days using there debit card and XXXX qualifying bill payments for XXXX consecutive months. ( All of which I did!! ). The fine print also says " the miles will be posted within 90 days of the end of the statement period in which you complete all offer requirements. '' It has been well over 90 days and I still have not received the miles. I have called Citi numerous times and have numerous investigations to clear this up, but I still have not even received XXXX correspondence from citi. In the mean time I am being charged $ XXXX/month checking account fee. I have XXXX all documentation including the original mail offer with my name on it. 
I have done all the required actions I was asked to do to qualify yet Citi still will not grant me the miles. I want Citi to credit the miles to my AA acct.

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 09-01-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered XXXX unknown medical collections on my credit report XX/XX/2015. I promptly filed a dispute with Equifax and received a response dated XX/XX/2015 that they had " verified '' both accounts. I then sent out a letter to XXXX XXXX XXXX via certified mail on XX/XX/2015 and it was received on XX/XX/2015, requesting validation regarding both accounts. I have not received a valid response. I sent a follow up dispute to Equifax on XX/XX/2015 and received a letter dated XX/XX/2015, stating that they had again " Verified '' both accounts. Equifax 's refusal to properly investigate is a violation of the FCRA and FACTA

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted each credit bureau to have inaccurate credit inquiries removed and they refused.

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 09/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I already complained about BOA about a issue to cfpt ( Case number : XXXX ). The BOA contact person named XXXX ' is in touch with us about the inquiry. She is repeating the same complaint whatever I complained about the BOA. BOA is not acknowledging the fact that there is a wrongdoing in the process of account opening. 
I went with the intention to get a promotion by opening account. If I am not eligible ( actually I am eligible which is my previous complaint ) they should have let me know so that I would n't have opened the account and end of story. Now my account was opened and I wasted lot to time to track this. 

1. I am looking for action from cfpb to stop this wrongdoing from BOA side. 
2. I am looking for compensation for wasting my time to track and expose this. 
Here is the case Id with bank of america # XXXXOur BOA Business Checking account # is XXXXXXXX XXXX ( XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MS).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was enrolled in an institution named XXXX University. The institution was taken over by another group name XXXX University. At this time, the institution worked with a private loan provider, securing false loans for students. I reported this information to the police department in New Hampshire and shared this information with Navient representatives, still no conclusion. The Navient representatives are not responding to my letters, calls and information. I have sent them information from the police department, complaints and etc.. I am not responsible for those loans with XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I had leased a XXXX XXXX XXXX in XXXX for 3 years with XXXX miles per year through Honda Financial Services. All the payments were made and nothing outstanding left on the bill. had the inspection done on the car on XXXX XXXX, XXXX. Then on XXXX XXXX, XXXX I returned my lease to the XXXX dealership. Apparently all was good received a copy of the odometer report which had over XXXX miles left on it, the only thing I received back was my handicap plate. On Friday XXXX XXXX, XXXX we received a notice from Honda Financial Services that stated - Once the vehicle is returned, you will be provided with an " Lease End Balance Statement '' reflecting the final amount due which may differ from this preliminary statement. We did not receive anything. They are requesting {$350.00} Turn In Fee. There is not and was not anything at anytime that reflected a return fee, it further stated that if I was to release a vehicle they would waive this charge. We are waiting to receive the actual bill however I am beyond words as to be being charged after paying my lease in full car returned in good shape and then a charge for returning the vehicle at the end of my lease. I understand that they give you 25 days to pay otherwise they sue

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I tried calling them to get help with my private loan payment cause the amount they looking for me to pay is to high with the other household bills I have. The one person told me that I should n't have gotten a car and paid them but my car was XXXX and i needed a way to get back and forward to work and my kids to school. They are rude and not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (CA).
Issue: Trouble during payment process

Complaint: I have been paying my mortgage payments to    XXXX   XXXX   XXXX   XXXX    on time for many years. My account was clean with them. Now we have new loan handler " Home Point Financial '',  XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX  ''. Their new statement says that I owe {$61.00}  (  Overdue amount ). I asked them to clarify the statement. They have send me the e-mail saying that I owe them from   XXXX   XXXX   and   XXXX   XXXX     I paid {$2300.00} on  XX/XX/XXXX  but due to some reason they have no record of receiving the    XXXX   XXXX    payment. I talked the agent and paid  XXXX  ( wire transfer ) and got the confirmation #  XXXX  that my account is clear. I paid on  XXXX  and  XXXX  and  XXXX  on time.   THE PROBLEM : The new company is not cooperating in correcting the problem. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The  XXXX  credit companies that are Experian,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

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 06/17/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My father went to the ER at XXXX XXXX XXXX XXXX in XXXX TX. The hospital registration erroneously thought I and my father were the same since we have the same basic names- XXXX XXXX XXXX although I have a XXXX name which is XXXX XXXX My father was n't able to pay some of his bills since he does n't have insurance. Unfortunately the hospital used my SS # and assigned it to my father 's account. This was sent over to the collection agency PROCOLLECT. Since it 's my SS # my credit report and score are now adversely affected. I contacted ProCollect and even sent documents so they can change the SS # to my father 's but they refused to help me. The account manager, XXXX, even accused me of taking over my father 's debt, saying I am now responsible for it. I did not sign any paper to assume my father 's debt, and XXXX could n't produce XXXX. I have contacted the hospital too, they sent me a letter apologizing for their mistake. Their business office, according to them, has contacted ProCollect so they can correct the error and XXXX the hospital assured me that ProCollect promised to fix the error which has not happened. 
I am writing to please beg and implore to help me with this situation. I can still open new credits but with less favorable terms. I want to shop for auto and home insurance but I get less favorable quotes because my credit score plunged from XXXX to XXXX. All I 'm asking is for ProCollect to change the SS # on file on my father 's record from mine to his since the debt in question is not mine. Until this day they refuse to do so and I am being punished for something I did not do nor obligated to settle. I will attach documents as soon as I know how to do so. Thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I sent a certified letter to Enhanced Recovery Company to verify a negative tradline entered on my credut profile by this company. The certified receipt was signed on XXXX XXXX, 2015. Today is XXXX XXXX, 2015 and I have yet to receive any information to verify that this erroneous account being reported in a negative way to the credit bureaus under my credit profile. I was under the impression that a company is given 30 days to verify this information or it should be removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX contines to list XXXX as late 30 days in XX/XX/XXXX. I have never paid this account late and XXXX is the only CRA reporting it as late, all others have either deleted the trade line or have it listed in a positive status. XX/XX/XXXX to XX/XX/XXXX is 7 years and the reporting period if I had paid late has expired and thus this account should be moved into a positive status on my report or the entire trade line deleted. I contacted XXXX back in XXXX requesting the update with no resolve. 

Additionally XXXX continues to also report XXXX on my account also a violation, the statute of limitations and the reporting period for this item has passed. The item was transferred to XXXX XXXX and then sold transferred to XXXX XXXX XXXX. This is a zombie debt and as such should be deleted. Due to Equifax not responding to my requests I reached out to the collection agency that the account was sold to and they have confirmed there is nothing owed and have deleted the account from my credit file as such the original creditor should do the same. The same instance has been for XXXX XXXX, this item was also a XXXX transferred to XXXX and then sold to XXXX XXXX which also states the item to be deleted as the statute of limitations and reporting period has ended as such the original creditor should be removed. 

I have tried mailing Equifax and also trying to dispute via their website and while I have a report number and key in all the relevant information their website will not allow me to dispute. I am unable to seek resolution through them. I implore CFPB to contact Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX collection services has an account on my credit that I have no knowledge of. I have asked by letter documentation a total of XXXX times for this company to validate this item as mine, but all of my requests have been ignored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Student loan (Federal student loan servicing) with Horizon Debt Group, LLC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was promised to be on the Obama XXXX XXXX XXXX Plan And that if I paid $ XXXX for up to 5 months, I would be forgiven within a few years. Now, that did not happen. I paid {$50.00} on XXXX/XXXX/XXXX, {$100.00} on XXXX/XXXX/XXXX, {$150.00} on XXXX/XXXX/XXXX, {$150.00} on XXXX/XXXX/XXXX, and {$150.00} on XXXX/XXXX/XXXX. My Forgiveness paperwork was never even done and I never was gon na be forgiven in the first place. All they did was rack up my debt and put me in forbearance/deferment.

Company response to consumer: Untimely response
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. The following account is fraudulent, unauthorized, not mine and the result of identity theft : XXXX XXXX, XXXX. XXXX XXXX XXXX transferred the fraudulent account ending in : XXXX to XXXX. I been receiving harassing phone calls every day at XXXX XXXX  from XXXX XXXX representatives using abusive and profane language, making death threats and threats of taking legal action against me and getting me arrested and sent to jail and prison for a credit card account thats fraudulent, unauthorized and not my debt or account. XXXX XXXX is in violation of The Fair Debt CollectionPractices Act ( FDCPA ) under Federal law.

Company response to consumer: Closed with explanation