milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have disputed fraudulent personal information with Equifax XXXX different times. I have a fraud alert on all my credit files. There are XXXX addresses where the fraud was perpetrated. I have filed an affidavit with FTC. XXXX deleted the fraudulent addresses immediately after my dispute and never re-entered them. Equifax keeps sending me notices that the disputed addresses have been deleted, but the updated credit report they attach still includes the fraudulent addresses on them. Not just that, results of some of my other disputed information along with my credit report and all personal information were mailed to the fraudulent addresses according to the dispute results summary. I demand Equifax has an actual person review and delete the fraudulent personal information from my file. At this point, Equifax is criminally liable for disseminating my personal information to unknown sources and perpetrating additional fraud with my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with La Casa Bonita Investments (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX   XXXX   XXXX   is trying to get my money upfront for {$590.00} with a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Auto) with HONOR FINANCE, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i made my car note payment on the XXXX of XXXX about the XXXX of XXXX I along with the Account holder started getting calls about the payment we were told that the payment was decline, I explained that the transaction was ran twice approved the first time and declined the second time I was asked to fax my bank statement to there office I did that, a few days later more calls came in again I explained my situation about the payment ( this is a different person ) I was told that the fax was not able to locate it and ask to fax it again I not only fax it I hand delivered a copy to the XXXX office, again a few days later more calls came in this time I 'm talking to XXXX I was told by here that I have been very uncooperative! now she 's asking to speak with my bank because I do n't know what I 'm talking about and get off the phone! so I ask XXXX who would you like to speak to from the bank im standing in the bank now? mind you I 'm standing in the tellers window with the teller and Bank manager so I ask again " XXXX who would you like to speak to from the bank I 'm in the window now? she stated " get me someone that knows what there talking about! I ask who XXXX would you like to speak to she either hung up on me or just refuse to talk I kept saying hello XXXX 5 times she never replied so I hung up and called back, then she started shouting I hung up on her, by now the Bank manager suggested that XXXX call her direct? XXXX stated she could n't call the bank and the manager of the store said she could n't talk on my phone, so I ask XXXX what do you want me to do you cant call and she cant get on my phone? at this point XXXX decided she would call the Bank which is illegal, after XXXX spoke with the Bank Manager about my account she ask to talk back to me when I get on the phone now XXXX is asking for my Credit card information Card number expiration date and security code which is totally unethical. then I spoke with several other peoples from Honor Finance and no one could find or figure out what happen to the payment, after I gave all my CC info I was told by XXXX she would call me and the bank to inform us on the status of the issue this was on or about the XXXX 2017, after speaking with XXXX a few days later I got a call form a manager XXXX? I explained to him the situation he began to laugh! I ask was it funny he stated he 's not laughing at me but at what I 'm going thought so it let me know that the treatment I 'm getting is really a practices no one took the time to find the payment but everyday I was receiving calls about the payment from at least XXXX different employees of Honor Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 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: I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2015 about Payday loan () with Enova International, Inc. (NV).
Issue: Charged bank acct wrong day or amt

Complaint: I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In Regards to my XXXX XXXX XXXX # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX XXXX began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which XXXX has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z

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 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For many years I tried to get on some sort of Income Based payment plan with Navient ( and before them XXXX ) to begin the repayment process. Every time I asked I was placed on some sort of deferment or forbearance program ( including an administrative one they seemed to make up for me ) instead. As a result the interest continued to grow and compound at an alarming rate and is now totally out of control. I was denied any payment plan that would allow me to make payments towards relief and be done long ago with this debt, or at least a hefty chunk of it. Now I 'm unemployed and struggling with XXXX ( XXXX ) and because I 'm married and moved to a community property state Navient wants my husband to pay on these very old student loans-the bulk of which are from before we even met! This is all so very wrong and I 'm not sure what I should or can do next.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my XXXX to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedule payments and she informed me my bill was now {$2700.00} instead of what I had paid it down to with the hospital of {$2500.00}. When I asked why that was she informed me they would be adding 9 % interest to my bill each month until I could pay it off ... WHICH SEEMS CRIMINAL! I started looking at if this was legal and the only thing I could find is that debt collectors ca n't charge me more than my original contract which I assume was the original bill from the hospital for just over {$3000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: BMO Refused to renew my loan because it wasn't my primary house anymore. It use to be my primary house for 8years. The loan contract states that the loan will be automatically renewed if agreed by both, but BMO refused to renew do to it wasn't my primary home. This was learned about after I called them and spoke to them. They told me to continue making payments as normal it shouldn't be a problem. As we continued to make payments, my wife and I kept an eye on our credit. It never shown any negative or late payments. Plus, BMO never sent me a certify letter or never demand the loan to be paid in full. I finally paid the balance off on XX/XX/XXXX after months of requesting a payoff letter. Once I paid the loan off they went back 6months and damaged my credit by stating I was late and it was a charge off. They performed this task in XX/XX/XXXX after I was requesting payoff letters months prior. This shouldn't be a charge off or late payment because they refused to give me documents.BMO then back log late payments because current credit checks never shown this prior. I will attach loan agreement which they should of refinanced per contract which doesn't state anything about 2nd home we don't refinance. Also I will attach payment stubs and a payoff document. Also the credit Bureau failed to there job and agreed with them. They also never sent me Documents that they finished there investigation or explained their reasons for their decision. They have ruin my wife 's credit and mine intentionally which has caused a burden and stress. Dates of payments will be on statements. Contact with BMO on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They even wanted to see if they can refinance the loan and tried, and never mention to payoff the note it is being called. This is wrong for a bank. They also refused payment at first on XX/XX/XXXX until I threaten legal action. Also if you look at loan documents the maturity date was XX/XX/XXXX and it should of automatically been renewed then and they never wrote it off as a charge off or late payment. never reported it on credit report back then.

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 01-04-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (IA).
Issue: Unexpected or other fees

Complaint: Dear sir or Madam : I am writing because I need your assistance seeking a resolution for unauthorized purchases on my American Express Serve Prepaid Card. I loaded {$500.00} XX/XX/XXXX and {$250.00} XX/XX/XXXX to take advantage of the up and coming online discounted merchandise after the Holiday season. I received a Fraud Alert directly to my cell phone XX/XX/XXXX inquiring did I recognize the attempted purchase at XXXX XXXX in the amount of {$170.00} I immediately responded indicating NO in fact, I sent 6 separate messages stating the attempted charge was NOT authorized. That same day XX/XX/XXXX I followed up the text messages with a call to American Express customer service. I explained apparently my card was lost because I did not have it in my possession and I did not attempt to make a recent purchase. The American Express agent advised there was numerous pending transactions on the account but may take a few days to complete. I immediately requested the American Express card to be cancelled. I was informed the card was reported lost, cancelled, a new one would be issued and I would receive a dispute form via email. I just needed to fill out the form accordingly and return within 10 business days. I received the Declaration of Fraud Form via email XX/XX/XXXX. 
I promptly returned the form XX/XX/XXXX answered all pertinent questions, and indicated the following purchases were unauthorized. XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$69.00}, XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$23.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX amount {$34.00}, XX/XX/XXXX XXXX # XXXX XXXX ON amount {$110.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX amount {$63.00}, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX amount {$120.00}. I am requesting unauthorized purchases of {$390.00} including but not limited to Fee for Foreign Transactions in the amount of {$10.00} and any other charges associated with these unauthorized purchases be refunded immediately. The XXXX charge in the amount of {$34.00} on XX/XX/XXXX was a recurring purchase also charged XX/XX/XXXX. I was able to resolve this discrepancy directly with the merchant. I am shocked and appalled American Express would have the audacity to send an electronic letter XX/XX/XXXX indicating and I quote Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized Our financial institution ( s ) have hit absolutely rock bottom Logically am I to think there was a thorough investigation conducted all within 8 hours? Moreover, I reside in XXXX, Iowa USA these unauthorized purchases was in XXXX, YES, XXXX!!! Please assist in resolving this concern. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Advertising and marketing

Complaint: THERE WAS A PROMOTION FROM BARCLAY BANK FOR CREDIT CARD THAT IF CUSTOMER USE IT WITH 90 DAYS OF OPENING OF ACCOUNT, CUSTOMER WOULD GET {$50.00} AS A BONUS. ANY WAY I APPLY FOR THAT CREDIT CARD & USE IT. I OWE BANK {$69.00}, WHICH I PAID BEFORE DUE DATE XXXX RECEIVED MY CREDIT CARD STATEMENT FROM THIS BANK, WHICH SHOWS A CASH BACK REWARDS - {$50.00}. I CALLED THEIR REWARD SECTION WHICH IS OUT SIDE USA.THEIR TEL .NO IS XXXX. I MUST HAVE AT LEAST XXXX TIMES FOR MY REWARD BUT THEY DO NOT HAVE ANY INFORMATION ABOUT THIS ISSUE. ALSO ONE HAS TO HOLD FOR LONG TIME FOR EACH CALL.THIS IS LIKE FRAUD THAT THIS BANK DOES NOT GIVE CASH BACK REWARD TO CUSTOMER. THIS BANK HAS NO RESPECT FOR THEIR CUSTOMER. I WORRY SOME THAT I WOULD GET MY CASH BACK REWARD. I AM VERY UP SET WITH THIS BANK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: We have battled with XXXX, for 4 years now. They advised us they had purchased our mortgage in 2012, from another company. Our Loan Modification was already done, with the prior company, we were waiting for the paperwork to sign. 
Now, they can find nothing for paperwork, except theirs. We have been to Court 12 times, each time, Each time, I had all my paperwork in order, they did not. 
At the 11th Hearing, they lawyer for XXXX/Wells Fargo, apologized to the Judge, advising him, she had just received a call, from XXXX. The Modification was going through, everything was in order, including the financials, but it was to late to cancel the hearing. The Judge specifically asked her, if this was settled, the Lawyer responded " Yes Your Honor '' .... The Judge then scheduled a hearing to dismiss in 60 days, after the Modification was signed and in effect, everyone agreed. 
60 days later, all the paperwork was gone, missing information etc, back to Court. 
I had to re-admit everything again. Most of it got there, but I had a XXXX and surgey, at the next hearing, they moved forward with the foreclosure ... .. 
I have done everything required, attended every Hearing, was always ready, with extra copies, of each item they claimed to be missing ... 
Even the Judje said to them, they are deliberately, causing all these delays, which was evident, through their Lawyers Statements, Questioning XXXX XXXX XXXX, who could not answer any of his questions, with a actual fact based answer. His every answer was " I 'M not sure about that your Honor '' after the 3rd same answer, the Judge, denied their request and told them to redo everything immediately. 

I can not keep battling the blatant abuse and blatant lies, from their XXXX Lawyers, which they were caught in every time ... 
We also have requested copies of the Original Loan Documents, to date, they have been unable to locate the document 's.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have this negative on my XXXX report from PHOENIX FINANCIAL SERVICES LLC for medical services. This is falsely reported.I never had any medical service in XXXX XXXX XXXX OF NY. This is making a big negative impact in my credit. I had Identity theft done to me and have made a police report # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Our Mortgage lender sent us a Notice of Default but failed to comply with RCW 61.21.031 and did not send us a " Notice of Pre-Foreclosure Options or Important Rights for Homeowners '' BEFORE sending the NOD. They claim we " responded and did not request a meeting '' but nothing has been offered to us. There seems to be a {$16000.00} discrepancy between the payoff and the NOD as well. 
What little communication we have with them causes us much confusion as they are putting inconsistent information on papers ( including a wrong address on the NOD and thus a certified letter from us was undeliverable ) and can not answer questions via telephone. 
Our house has XXXX pre-approved pending sales and due to the time sensitivity of this, the NOD action they took could result in a Notice of Trustee posting and thus making this public as well as reduce the value of our home and thwart our efforts to rectify our situation via the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have attempted to work with Bank of America on numerous issues and so far, Ive been coldly told, I do not garner their respect, by numerous representatives. Ive asked for at least 3 late fees to be removed, 2 of which took place the " EVENING '' the payment was due, and I was told, that based on my relationship with this company, I would not be able to request or get anything. I have also asked for a couple interest charges to be returned to my, as transfer interest, purchase interest and such, has increased once this company closed my account for no reason at all. I believe, that I have been charged at least {$1100.00} in interest higher than I signed up for and have been charged with over $ 230- {$300.00} in late fees, during times I have had complaints against BOA with the CFPB. In addition, I believe Bank of America has treated me unfairly because I have complained about them assessing a late mark on all my credit reports back in XXXX 2016, when I was TOLD by their own rep, what to pay and what I could do to avoid being late. This issue has still been unresolved, no matter what BOA claims.

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 12-01-2016 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I applied for and received from XXXX {$3200.00} to help me with my escrow through Bayview Loan Servicing.BLS received by echeck XX/XX/2016 and sent back {$2000.00} to XXXX and ca n't explain to me why.I have heard all year that they are looking into the matter.In the meantime my credit report is poor and only because of BLS.and i am having trouble buying a car.

Company response to consumer: Closed with explanation