milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an account with XXXX that I paid a settlement amount for. The agreement was that the status on my credit report would be updated to be deleted or updated to paid so it 's no longer derogatory on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Vehicle loan or lease (Loan) with AC Autopay, LLC (TN).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: We have a title loan through autopay in XXXX colorodo. The balance was {$310.00}. The balance was sent to collections. On XXXX XXXX 2017 we called autopay to make the payment. ( cleared with bank XXXX XXXX 2017 ) They directed us to a collection agency with a number but refused to give us the name. We called and paid it that day. We were then told we would be receiving the title in the mail within 90 days. In the beginning of XXXX  we called autopay to find out if the title had been sent out yet, we were told it was not and that we needed to Contact XXXX XXXX. XXXX XXXX said they did n't have anything from us so we needed to call cpcrecovery. We called and they said we needed to email proof and they would send it to XXXX XXXX. So we did and then we were told they would send the title and to again allow 90 days. Here it is the end of XXXX and autopay is saying we never made a payment even with our proof being emailed, then they say they 're waiting for the funds to be released so we can get our title. The story keeps changing. Every call we make to keep checking on it they keep asking when we paid it. It 's like they 're not taking notes, acts like they never heard from us and not caring. It 's been almost 6 months since we paid it off. I ca n't work because we 're down to one vehicle because we 're being refused registration for the vehicle and my insurance is dropping the vehicle. We just want our title.

Company response to consumer: Untimely response
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I have contacted XXXX XXXX XXXX XXXX on more than 5 occasions in regards to a account that they are listing on my consumer credit file. I have told them countless times that I am not the correct person they are trying to collect from. I have went a step further to send them a police report showing that I was a victim of identity theft and still nothing! To make matters worse months later they send me the original contract for the auto loan, and it has someone totally different name on it and the address given is an address I 've never lived at nor have I been associated with. How is this even legal? I have explained that I do not know the person on the auto loan contract. I have sent them a copy of my drivers license to prove this. There are over a million people with my same last name, and Its not fair that they are allowed to continue to violate my consumer rights. The credit reporting agencies ( Equifax ) are n't even doing their job even after I have sent them valid proof and document showing that the account does n't belong to me on many occasions including the most recent on XXXX XXXX, XXXX, and then they " verified it '' on XXXX XXXX, XXXX. This is extremely damaging to my credit file and is preventing me from being able to purchase a home for my family. How could they have possibly investigated this item and verified it if I have the physical contract from the credit without someone else 's information on it. There 's no way!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with Equifax to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for Equifax and they stated that " Another department handles these types of complaints and that my case had been closed out due to lack of provided information. I furnished Equifax with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

The representative went on to state that " I would have to file another complaint with Consumer Financial Protection. '' I need help in resolving this issue asap.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: We were unable to use our account during the disputed debit card fees where we kept our balance close to XXXX to document several times and independently confirmed how the BofA account allowed transactions to be processed when there were insufficient funds when the account was suppose to be set to deny charges when funds were unavailable. 

Due to BofA 's slow and poor handling of this issue we had to open an account with another bank and pay that banks monthly fees while we were waiting to see if BofA could offer us the account debit card security we signed up for and expect where accounts can not be overdrawn. 

We were considering continuing our account with BofA, but since BofA continued to handle the issue poorly we did not have the confidence in BofA to keep the account debit cards secure and so could not keep the account active. 

BofA has correctly refunded the incorrect overdraft fees, but we have not received a refund for the 4 months of {$17.00} per month account fees for the months we were unable to use the account due to its dispute status and where we had to open and pay another bank account fees. 

Therefore, we would like a refund of BofA 's monthly fees for 4 months totaling : {$68.00}

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 02/24/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed the reporting of this account because it has been reported twice on my credit report. The company and all three credit report agency refuse to fix it. I need someone to help get this corrected. Please

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 01-12-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem adding money

Complaint: Td Bank would not allow me to access my banking information to transfer money received for sell of cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The alleged debt that Midland is trying to collect upon is not mine and was never opened by me. There is no original credit line that this stems from on my credit report as it was removed for being fraudulent and the original creditor ( XXXX ) was unable to verify it 's legitimacy. I have tried time and time again to try and have this collection account removed from my credit report to no success except for on XXXX where it was removed for being fraudulent and not being able to verify it 's legitimacy. Since it has been removed from XXXX it should be removed from XXXX as well as XXXX. They continue to harass me and now they are trying to take me to court over this alleged debt. This is causing me undue stress and I need it resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee. 

XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (UT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My friend in AZ is selling her home and shopping for a new loan. I am not licensed but offered to help her find a reputable lender.   Her existing loan is with USB. She contacted  XXXX   XXXX   XXXX  at USB and asked for an itemized breakdown of their fees.   She was first told by him that her rate would be higher because her loan amount was not the 'standard ' and below {$150000.00}.   He then refused to give her and itemized fee sheet claiming this was a loan estimate.

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 11/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt was placed for collection, repackaged and sold to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX The original debt is over 9 years old, and the new Debt collection company submitted in error that it was placed for collection on XXXX. They sold it to another debt collection company and I have a current XXXX account in good standing, but the new collection agency reported the date wrong so they can attempt to collect this old debt longer. I would like this removed from my credit report as they continue to harass me daily. Thank you Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$760.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$760.00} Original Creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting and inquiry on my credit report that I did n't do. I am a victim of identity theft and have recently ended my relationship with a credit repair agency ( XXXX XXXX ) since then I 've been getting alerts that my credit is being ran without my knowledge or consent. Please find that I 've enclosed my supporting documents. 

1. XXXX XX/XX/2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: When I opened the joint account that, we were misleading by the Citizens Bank   XXXX   that we will not get charge any fees on both Checking and Savings account, but unfortunately they charge us every month. {$9.00}, and {$3.00} on our checking alone every month and {$4.00} and {$2.00} on our Savings which the did n't told us from the beginning. They used our money to invest to make money and charge us again on top of it. We want our money back the they said when we were opening the account. Please, i need your help to get all our money back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Customer service / Customer relations

Complaint: I file a dispute with American Express. On XXXX XXXX, 2015, I purchased though the internet from XXXX. I received the product and was is satisfied with quantity and size. I requested a refund from XXXX. I returned their product to them on XXXX XXXX, 2015. Received an email from " XXXX '' on XXXX XXXX, 2015 acknowledging receipt of the product. The only options for a refund is exchange or purchase another XXXX XXXX XXXX and call in a give them the order number and they will refund the XXXX order. I disputed this with my Credit Card company American Express. On XXXX XXXX, 2015 I received an email stating they have completed their investigation and they found that " the merchant has provided support and an explanation for charge in question. " I have requested to see the documents that merchant has provided. I called and though email. No response from American Express. I have called XXXX times to have my case reopen and I am put on hold for XXXX min. at a time and sometimes longer. Only for American Express Serve to tell me that they will send and email to the dispute department. In the meantime, I have no product or my money. American Express Serve customer services are rude and unhelpful. I never said that I did not authorize the charge. I sent their product back to them and I would like a refund. They are refusing a refund until I make another purchase. I am never making a purchase from this company. I am closing my account with American Express Serve and I do n't recommend this product. I feel that American Express Serve customer service are lying about my depute and about reopening my case.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The account was for a security system. XXXX Account XXXX I tried to pay the amount owed, however they said it had been turned over to Southwest Credit.  When I contacted Southwest Credit they said they did not have a file on it. 

So I tried again to pay XXXX Account XXXX. I have emails that I sent attempting to pay. I also have screen shots of where I attempted to pay online, but was they would not take payment. 

I was contacted by someone from Southwest Credit after a couple of weeks of not being able to pay XXXX directly. 

I told them I would pay, if they would change the negative report. The lady with Southwest Credit was extremely rude, and I told her that I would pay the amount but I wanted the negative information on my credit taken off since I attempted to pay before it was turned over to the Southwest Credit agency. It took them over two weeks to even verify that they had the file. 

This was for a XXXX security system that we have never used. The salesperson told me that we could cancel at anytime, and that it was a two year contract. XXXX was a 5 year contract ) I could not see the small print, so for that I am at fault for trusting the XXXX representative. 

I am unable to add the screenshots and emails from your website. The dates were XX/XX/XXXX through XX/XX/XXXX. I was not contacted again by Southwest Credit, for 2-3 weeks after I contacted them  regarding the file. They said they did not have file during this entire time, and XXXX would not take payment because they said they had turned over to Southwest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (LA).
Issue: Managing the loan or lease

Complaint: I am being contacted at my place of employment after submitting XXXX complaints online stating that I can not receive collection calls at my job and after removing my work number off of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax and XXXX refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax Equifax and XXXXcredit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: i have already file a complaint with cfpb but Bank of America the person handling the complaint her name is XXXX please stop giving me the run around when i spoke to you the other day you only answer to one question of why my payments went up {$800.00}? the problem happen 2years before that when Countrywide Mortgage without telling my family or sending a letter that this was going to happen. when the question was asked they gave me the run around.never gotten the truth.So answer this question XXXX XXXX if Countrywide Mortgage had me paying wrongful fees paying for repayment plan of added fees knowing that they were being indicted for Mortgage Fraud and making me pay for a program that knowing wasnt going to help my family why did they this? tell me that XXXX XXXX and if Bank of America brought Countrywide they brought all of there wrong doing it seem that all the rich investers got paided but my family the poor didnt get compensated check out the cashiers we sent to Countrywide that we were paying to them am tired of this am total disable now an yes Countrywide am so XXXX and XXXX due to this talk to as if i was part of your family you have know ideal what ive been through XXXX XXXX.All i want is all the wrongful fees late charge the judgment repossession. This was wrong.AND XXXX XXXX there is one more thing on XXXX/XXXX/2009 Bank of America after Countrywide did all there wrongful doings i called Bank of America and this was there offer please investigate this is the LOCK-IN AGREEMENT that you offer my family. This is the Loan # XXXX that Bank of America gave us. OK we thought this would help but no XXXX/XXXX/2009 Bank of Amertica after me calling them they sent my family a letter saying they were unable to approve my request this knock me too the floor. am tired of writing Please talk to your C.E.O.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Application, originator, mortgage broker

Complaint: I was alerted by XXXX credit reporting that mortgage company, Selene Finance, fraudulently changed my home address on my report XXXX XXXX, 2016. The address they listed is a realty company in XXXX, NJ. I 've contacted my lawyer concerning the issue since Selene will not converse with me because a " cease & desist '' order is in place. Selene is well aware of my current home property address. If they do not rectify this fraudulent act, I will seek legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I have made calls after calls and can not find anyone to help me. I had a mortgage with US bank and in 2010 my house was foreclosed on. US bank was supposed to be helping me refinance my home. I do not know who to contact for the US Bank Independent Foreclosure payment. I was told I would have another check coming and I have not. I just would like to know how much the check is and when I will receive it No one seams to know how to help me. Can anyone look me up by my SSN and find out any kind of information for the payment?. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief