milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Frequent calls at my place of employment and told them to not call my job as I could lose my job. They will not give me any information on why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX XXXX placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score.  XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, XXXX and Transunion are cause for investigation into the companies themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I saw the article about Navient online and realized that I have an extra {$10000.00} on my balance because I was told to " defer '' my loans XXXX times! I was under the impression from the representative I spoke to that this was a sort of " hold '' on my account that would basically " freeze '' my account until I could afford the payments. Now I know this was not the case and have even more to pay back!

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Delinquent account

Complaint: Last spring I made several purchases at the Home Depot store in XXXX XXXX, XXXX, to make repairs to my winter home. I paid cash for several of these purchases, and used my XXXX credit card for others. Because a XXXX % -off discount was being offered as an incentive to open a Home Depot credit account, I applied and used the card to purchase replacement windows for my home. Soon thereafter, I returned to my home in XXXX. A change of address notification was filed with the U. S. Postal Service. 

XX/XX/XXXX, I applied for a mortgage loan and was appalled to discover that the Home Depot Consumer Credit Card had been reported to all XXXX credit bureaus as being delinquent. I immediately called Home Depot, and was able to reach a XXXX XXXX XXXX. XXXX XXXX identified herself as a customer service supervisor. 

I explained to XXXX XXXX that I had never received an invoice from Home Depot. Furthermore, I explained that I had made several purchases, and had paid them in full. Had I received an invoice for the Home Depot credit card, I would have been reminded of the debt and would have paid it. 

XXXX XXXX stated that it is Home Depot 's policy to send XXXX statements. After that, the account is considered delinquent, reported to the credit bureaus, and is subject to monthly interest and late fees. According to XXXX XXXX, no further attempts to contact the customer are made. However, because this was clearly an error in the forwarding of mail, XXXX XXXX waived all late fees and interest charges. She also stated that she would be notifying the credit reporting bureaus that this " delinquency '' was the result of the failure of the postal system. 

On XXXX XXXX, 2016, a letter was sent to me from Home Depot Credit Services stating that they are unable to change the information reported to the credit reporting agencies because it accurately reflects my account history. 

I am filing this complaint for XXXX reasons. First, because I believe Home Depot Credit Services ' policy of ceasing to attempt to contact customers while continuing to impose interest charges and late fees is unethical. Second, because Home Depot Credit Services - even at the supervisor level - failed to provide accurate information to both their customer ( me ) and the credit reporting agencies.

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 12/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Recently, a credit card bill came to my house from Capital One. The address was mine, but the addressee name was of no one in our household. I called Capital One to report the discrepancy. They asked me to return the bill back to them and told me that they would take care of the situation. The next month, I again received a credit card bill with the same unknown persons name as the addressee. I called their fraud department again and told me that they have opened up case on this. These credit card bills continue to arrive at my home address to this unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Bank of America hired a firm to sue consumer in Texas and obtained a default judgment. Consumer was unaware of debt or lawsuit until XXXX when the judgment prevented consumer from obtaining mortgage financing. Consumer attempted to resolve the debt but was unable to obtain any information. Consumer hired attorney to assist. In XXXX attorney contacted Texas law firm representing Bank of America and after XXXX months of repeated requests for copies of the summons, complaint, default judgment and any statement for the account, no documentation was provided and Bank of America took back the account. For the next XXXX months attorney attempted to obtain documentation from Bank of America without success. A CFPB complaint was filed, and no response was provided. Bank of America refuses to provide any information about the account to any party and are unable to validate the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (VA mortgage) with Experian Information Solutions Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Experian is reporting XXXX Mortgage as 60 days late. The first payment was due XXXX 2016 from a refinance, per FCRA law a mortgage company may not report the first 60 days late due lender changes. I am XXXX Military and XXXX. I did not receive any document on who to pay before I left. I just learned by email on XXXX XXXX that the lender is XXXX. I do n't even have an email or account to pay them. I contacted the refinance company XXXX XXXX and they could not tell me who lender was either.

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 01/14/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (TX).
Issue: Account opening, closing, or management

Complaint: Regarding : # XXXX On XXXX XXXX, I got an email from the Ally escalations desk asking me to call them to resolve the above matter. I called thirteen times and each time was asked to leave a message as there was no one available. The next day, I got an email with another number. I called 7 times and again no ability to talk with the person responsible for resolving the case. This is a check for {$190000.00}, where they are holding my money and I have no access to it. Please help me expedite resolution. It 's taken hours of my time with no 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 08/27/2017 about Debt collection (Credit card debt) with PNC Bank N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received call at work from " XXXX XXXX '' at XXXX XXXX  XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: American Express Serve card refuses to release funds on hold from a vendors error and even after vendor tried to contact them to release the funds, would not supply the vendor with the information needed to cancel the overcharge of {$83.00} from XXXX/XXXX/2015. Insisting that I wait 7 days for the change to just " Fall off ''. I understand that they have whatever policy in place for security, but after being presented with the necessary information from the vendor still refusing to relinquish funds, causing me to not to be able to buy food for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage, called an Equity Flexline account. For over a year, I have been charged a monthly " Past Due '' fee of {$9.00}. I have not made a late payment during this time. Every other month I call or go in to correct the error, every monthly statement shows the fee. I have twice paid the fee separately. I have XXXX receipt showing the fee paid. I also have a statement showing the submitted request id # made to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a 30 day late on my credit for XXXX and XXXX I have asked them to be remove and it still has not been done yet.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This concerns the very recent Equifax breach. Using a tool on their site, they stated to me that they believe my information has been compromised and I fear that my SSN, date of birth, and other personal details are now essentially public information. I am disappointed and afraid that Equifax has lost my information to outside parties due to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Chase Bank has charge me late fees in the amount of {$25.00} for XXXX XXXX, XXXX and XXXX XXXX, XXXX although the due date is on a Saturday and Sunday which is not their legal dates of customer bank operations. I have called and I am being lectured by the Customer Service supervisor XXXX of how many days that I have in the month to pay my bill. I consider this very rude and inconsiderate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2018 about Debt collection (Other debt) with First Credit Services Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2107. The amount is {$210.00}. A company called me saying that I have a debt from XXXX XXXX which I dont. I cancelled it because I moved to another city because the city i moved to didnt have a XXXX XXXX. I even paid them to cancel my membership.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IL).
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: Barclays inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a XXXX point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be XXXX by XXXX points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Barclays is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score.

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 11/18/2017 about Debt collection (Other debt) with ProCollect, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a payment arrangement on file with Procollect Inc, however the company refuses to give me a invoice or a receipt to confirm my payments. I received a letter in the mail from ProCollect about debt I owed from an apartment that I moved out of in XXXX 2016. I called ProCollect and spoke to XXXX XXXX XXXX at XXXX XXXX to see what was going on and she explained to me that there was an unpaid balance of {$3000.00} & {$560.00} from this apartment. I told her that I am willing to make a payment arrangement. I made a payment over the phone with my debit card in the amount of {$300.00}. I then asked XXXX XXXX for a invoice or receipt to confirm my payment and payment arrangments. XXXX XXXX raised her voice and told me that unfortuntaley ProCollect dosent not offer any recipts for confirmation of payment until the account balance is paid in full. XXXX XXXX was very rude and disrespectful and she told me to have a nice day and hangs up the phone.

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 08/18/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (PA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2015 I purchased a XXXX XXXX from a local XXXX dealer. I was trying to get financing through XXXX bank but opted to go with the Chase since XXXX could not process the loan application before the vehicle was scheduled to be picked up. On XXXX XXXX 2015, I received confirmation through the mail that I had received financing from XXXX. On XXXX XXXX 2015, I visited my local XXXX bank and decided to utilize the loan from XXXX since the terms of the loan were better. XXXX initiated the loan process and sent a check to Chase on XXXX XXXX, 2015 for the amount of {$30000.00}. According to the copy of the check I received Chase cashed the check on XXXX XXXX, 2015. Assuming the process was complete I started making payments to XXXX in XXXX of 2015. 
On XXXX XXXX, 2015 I received a letter from Chase indicating that my loan payment was due. I contacted Chase to explain that XXXX held the loan for the car and the Chase representative stated that Chase held the loan for the car. I contacted XXXX in XXXX in an attempt to determine why I was being contacted by Chase regarding a loan that I thought had been paid off. For the last XXXX months I have been forced to make payments to both XXXX and Chase for the same car loan. Chase has done nothing to resolve the issue. Personnel from XXXX have tried to determine how a check was sent to Chase, the check was cashed by Chase but no one at Chase seems to know where the money has gone. 
To date, no one from Chase has ever contacted me regarding this matter. While I have repeatedly contacted them with assistance from XXXX. Each time contact is made, I am told that I will be contacted by someone from Chase with information pertaining to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I properly disputed a judgment for an unknown medical account and Equifax refused to delete it even though I produced verification that there was no such recorded judgment. Equifax is the only credit reporting agency reporting this and they not only refused to delete but are not marking the account as disputed by consumer. 

I contacted XXXX XXXX XXXX on XXXX/XXXX/2015 and verified there was no judgment recorded in my name. On XXXX/XXXX/2015 I sent a XXXX certified formal dispute letter, with proof, to the credit reporting agencies to inform them that the judgment reporting on my report was invalid. I received replies back and the judgment was removed by all except Equifax.

Company response to consumer: Closed with non-monetary relief