milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am sending this credit bureau dispute directly to the CFPB only because I could not locate and address on either lenders bills ( I have an older copy ) or website for the address a consumer may submit a direct dispute. Both Lenders do provide an address for NOE and RFI requests. I did originally refer to my efforts to force the sell of the home with a previous NOE/RFI request sent to both lenders. 
During the past XXXX years, I 've tried to make every effort and spent XXXX of dollars in attorney fees to force my ex-husband to either refinance or sell the house. Although he has XXXX intention to stay in the home ( he is moving to South Carolina in XX/XX/XXXX ), he has refused to sell the house or to allow me to coordinate the sell of the house. It is his final act of abuse to intentionally ruin my credit. I 've attached XXXX court orders that try to force him to sell or refinance the house. He has either ignored the request of the court or filed an appeal to delay any action. The most recent order on XX/XX/XXXX was appealed to the XXXX, simply as another way to ensure that my credit is ruined. He represents himself which allows him to freely continue to file these appeals, which take time to move through the system and money on my part to defend. 
I know that a court order does not supersede nor negate my financial responsibility to this debt, but I am asking that this trade line be deleted from my credit bureau. When I was finally able to escape my abusive marriage XX/XX/XXXX, XXXX continued to find ways to harass me and ruin any chance that I would have for financial independence. I 've also attached a copy of my credit report from XX/XX/XXXX that demonstrates that the only bills in a negative status are those for the XXXX XXXX property. I have a credit monitoring service which just alerted me that he is now XXXX days delinquent on the XXXX mortgage and XXXX delinquent on the XXXX mortgage and because the latest order to force the sell of the house is in appeal, I ca n't do anything to change this situation. 
I need help and any consideration would be appreciated. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion fails to remove the XXXX account. Transunion reports incorrectly this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently pulled all three of my credit reports sometime in XXXX. I noticed a collection account for Enhanced Recovery Corporation. I sent a debt validation letter on XXXX/XXXX/2015 and as of today I have received nothing to validate the debt. I disputed with all of the credit bureaus but they say its been validated. How is this possible if I ca n't get basic information such as a last billing statement or contracts signed by me for this account. I have had my bank account compromised twice in the last two years and need to know if this is legit or not.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. 

Please contact me at the XXXX year old number. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I had a XXXX XXXX XXXX lease that I rolled into a new XXXX XXXX XXXX lease. We were told at the dealership that we would not incur any charges on our returned leased XXXX as a part of our deal to lease the new XXXX. We returned the car and about 3 weeks later received a bill from Ally financial for {$620.00}, no explanation other than " excess wear/excess mileage ''. We were not over our mileage so I knew it was not that. I called the dealership who said it was not them, it was Ally financial who was assessing the charges ( again, they did not tell us when we re-leased a new car that there was another party who would charge us. They just said there would be no charges to us on our return lease ). I called Ally to find out how they assessed these charges and all they would provide was a copy of the lease inspection report ( which I had a copy of from the dealership ). I asked the Ally employee ( XXXX ) if these repairs were actually made to the car, which she would not answer. All she would say is that the only information I can have is the inspection report. After asking her several times she said " I did n't make the repairs '' in an extremely rude tone ( and still not answering my question ). I also asked her if there were not actual repairs made to the car and itemized receipts for said repairs, was there a devaluation report showing how each charged item affected the car 's resale price. She again was extremely rude and said that all I can have is the report and she can " send me the lease inspection because I clearly did n't read it ''. The lease agreement is not my question- my question is how did they arrive at these amounts and where is the information backing this up? There has to be either a receipt for repairs or an itemized devaluation report showing how they affected the sale price of the car. In addition one of the chargeable items on the lease is a dent which they are charging {$200.00} for and I can not see a dent in the picture on the report. This seems excessive and I ca n't tell that a dent is even there.

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 03/22/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company has called me 5 times. They are looking for someone named XXXX XXXX. I told them there is no XXXX XXXX in my family. I then tried to ask them if someone was fraudulently using the family last name. I asked how they got the phone number. They would not give any information and simply said they would take the phone number off the list. They called back a few days later again the same thing. Then someone named XXXX called. I informed him again we have no relatives named XXXX XXXX. He hung up on me while I was asking him to not call any more.. I called him back and asked for his supervisor he said the supervisor was in a meeting. I then said there is no XXXX XXXX here and he hung up on me again. I Called back again and Got some Woman called XXXX. I asked her for the address so i could send them a letter to stop contacting me and she wouldnt give it to me and got sarcastic.. So i called her a XXXX.. She told me i had no manners so she was not going to take my number out of the system. She had nerve to say all that after i threatened to sue. The name of the company is called- RECOVERY FIRST. No one in this house knows or is related to a XXXX XXXX. I dont know if someone gave the phone number or if this company pulled it out of the phone book. No one in this house or this family owes Recovery first any money.. Pleas make them stop the harassment.

Company response to consumer: Untimely response
Consumer complaint received 02-05-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: APR or interest rate

Complaint: I closed this account on XXXX XXXX, XXXX as part an agreement with Citi for me to opt of fufther interest rate increases, and for Citi to waive interest for one year. The interest rate at that time was 8.24 % and was to stay fixed until the account was paid off. Beginning with my statement ending XXXX XXXX, XXXX, the interest rate was increased to 8.49 %

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Some months ago, I received an on-line notice from XXXX XXXX Bank XXXX XXXX, Ohio that my XXXX. credit card payment was over due.I have never opened an account with this " bank '' and do not even know if they are a legitimate company.With all of the web security issues of late, I am more than a little reluctant to contact these people directly for fear that I may compromise myself further. 
I am constantly being called at all hours and emailed with threatening notices about this account. As a result, I have become paranoid about answering my phone, have trouble sleeping at night and have devolved into states of XXXX at times. 
All of my banking is done through my local credit union and my credit, except for this issue, is impeccable. My credit card has a zero balance and the interest rate is below 10 % a.p.r.I would never open an account such as the one in question that has an a.p.r.over 30 % and late fees of {$34.00}. 
I am a retired XXXX vet and live on my Social Security alone so my income puts me substantially below the national poverty line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of XXXX Experian security breach. They are several inquiries on my file that I dont recognize. These inquiries are a result of the XXXX Experian data breach.

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 06-12-2015 about Credit reporting () with LEXISNEXIS (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Bank froze my accounts due to fraud concerns - they highlighted multiple names associated with my SSN based off a Lexis-Nexis Accurint report. I called Lexis-Nexis, which indicated that XXXX XXXX and XXXX XXXX have my SSN. I have recent versions of my XXXX CRA reports but none indicate these names. Lexis-Nexis is pointing fingers at the CRAs, but the CRAs do n't seem to have any idea what Lexis-Nexis is talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After 5 years of on-time payments, my request for co-signer release stating " you are not making the required consecutive on-time principal and interest payments based upon our required standard for credit review criteria. " Navient needs to release my grandmother of XXXX years from this account. She is paying for XXXX care and needs to have this loan released. In the meantime, I am checking with banks to have it refinance. I do not believe that Navient is a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Medical) with Receivables Management Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being repeatedly contacted by RMC about medical debts that I have either paid, insurance paid or these belong to my son. I have provided documentation numerous times to RMC to clear up the matter and I still receive threatening calls daily from them. They threatened to have me arrested and said they were having me arrested for fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continues to put on my report information bill for a XXXX cell phone i never owned in 2010 but when i called they wont take it off and they are continuing to send collection bills by collecton agency as well. for {$410.00}. i want this information off my credit reports and have them stop ruining my credit for a phone i never owned in 2010 or had or applied for. there must been someone else trying to get this card under my name or ss number or something.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with R&R Professional Recovery, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX XXXX, MD made an error in filing the treatment bill ( {$320.00} ) to XXXX XXXX XXXX XXXX XXXX ( my insurance provider ). Till date XXXX does not find on it records proof of claim filed. I made the facility aware of their error ( XXXX of accounts dept. ) but they chose to take the case to R & R Professional Recovery XXXX XXXX, MD ( R & R ) anyway, per account # XXXX. 
In an effort to resolve the issue, per my request, XXXX customer service contacted R & R to point out the error but they refused to talk to them. 
Notwithstanding above steps, R & R went ahead and reported matter to collection bureau destroying my credit worthiness. 
Please provide help and succor to remedy the predatory and illegal practices of R & R. Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (CA).
Issue: Managing the loan or lease

Complaint: I purchased a Motorcycle using HDFS in XX/XX/XXXX. During my loan obligation of XXXX months, I had several months when the loan was late. In XX/XX/XXXX I received a deferment and was told I would need to pay anadditional month at the end of the loan. After regaining a positive payment record during the last XXXX months of the loan, I came to the end of the loan and inquired as to how much interest remained due tolate payments. I agreed with the amounts and asked SPECIFICALLY " Do I continue to make payments as usual? '' and was told " YES ''. Despite specifically inquiring about due dates and payment terms, XXXX was notified of a mandatory " LUMP SUM '' Payment XXXX I received a late mark on my credit report. When I asked the customer service representative as to where in my contract it stated the " LUMPSUM '' balance was due, there was none. When I asked about the XXXX month extension I received during my deferment, I was told by a supervisor " I 'm sorry I do n't know, I cant help you ''. I expressed thenthat this is not fair credit reporting as I am making payments each month as I was advised to do, yet I am receiving added interest daily PLUS a late mark on my credit. A company should properly discloseto customers what they are being charged for, when it is due, the amount due and dates due by. XXXX XXXX was called to confirm next steps and failed to provide accurate information, continued totake payments yet reported to the credit bureaus as late. The male supervisor guaranteed the terms where spelled out clearly in my contract and I later spoke to a female supervisor who stated XXXX that it was n't. My credit is ruined and even after the long history was told " Common sense should have told me it was all due in XXXX ''. I do n't deserve to be insulted and this is business. 
Professionally I would like this resolved. I have made the payment of the balance in full and am demanding my credit file be updated to reflect what I as a consumer was told by the finance company I trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: I am so sick of Wells Fargo putting holds on funds I deposit into my bank account and causing overdraft fees to my account. There has to be something that needs to be done to them. These fees are causing more hard to the average daily worker that 's working from paycheck to paycheck. The icing on the cake was when I made a deposit of {$28000.00} to my account and they put a 7 day business hold on my funds which is causing more overdraft fees. I have made payment arrangements with several companies to make my payments and now when they go to take funds out it will cause an overdraft fee. Then the company will put the payment through 2-3 times and each time, it will trigger an overdraft fee. Please make Wells Fargo pay for gaming the average everyday American please. We are just trying to live right, but I am so sick and tired of these BIG MEGA BANKS taking advantage of US!!!

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: From XXXX XXXX to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other transaction issues

Complaint: I sent a mobile payment of {$1000.00} via email to my Aunt using my Bank of America account and it was routed to a closed XXXX account. After reaching out to both Bank of America and XXXX to get the matter rectified Bank of America informed me that XXXX would not be returning my money. When my aunt called XXXX to get the information they tell her that they can not go into the account because it is closed, Yet when I called XXXX they ask for my aunts information to look into the account.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent XXXX, XXXX and experian a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my XXXX XXXX down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: A dispute with XXXX  XXXX XXXX about reporting of a foreclosure on a HELOC account was corrected by XXXX. They sent all 3 credit reporting companies a letter to correct the account. XXXX  and XXXX   understood the letter and corrected our accounts. Equifax did not make proper corrections. They made the change to show the HELOC charged off, but they did not remove all of the 180-day late postings back to XX/XX/XXXX, as they should have. They are still incorrectly showing 180-day late for every month through XX/XX/XXXX. They sent us a letter stating that they made changes based on XXXX responses, but they clearly didn't read the letter closely. 

Refer to CFPB dispute number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Installment loan) with CIT BANK, NATIONAL ASSOCIATION (TX).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, we purchased a boat from XXXX n/k/a XXXX Boats in XXXX, XXXX. The boat was financed by CIT Group/Sales Financing, XXXX XXXX, XXXX Our loan was serviced by XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, we received a letter from XXXX XXXX confirming our loan had been paid in full. To date, we have not received the clear title to our boat. I have contacted CIT Group, XXXX XXXX and was told neither now services our loan. In XXXX XXXX, XXXX XXXX was acquired by XXXX XXXX. I now wish to sell the boat ; however, all three entities have told me they do n't know anything about my loan.

Company response to consumer: Closed with explanation