milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a call on XXXX/XXXX/16 at XXXX from XXXX XXXX XXXX of NRS North East Recovery. She wanted information on my brother. 
I asked her how and why she was calling me when my number is private and listed with the Do Not Call Registry. My brother does not live with me. She said she could not give me any information because I was not his spouse. She also would not give me an address for this company. I told her she is being reported and will submit a claim against her. I told her that she stole my phone number! I told her that my mother had just passed away on XXXX/XXXX/16 and that if she calls any of my other family members trying to get information on my brother during this terrible time we are going through, that I would take legal action against her and her company. 
I also received a call on my cell phone from another cell phone number minutes before and I believe it is from the same company. 
The cell phone numbers are XXXX and XXXX. 
The call back number that XXXX XXXX left on my answering machine is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 02/16/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have sent a letter to AES requesting information ( see attached ) on how to be released from being a co-signer and they keep responding with a blank form letter asking for more information. I feel that they are being non-responsive to a situation where the Originator has demonstrated excellence in responsibility. I still want their policy on how to be removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my report, information belongs to someone else. XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.

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 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2014 I was approved for in store credit with XXXX. I went and purchased a washer and dryer. A week later the merchandise was delivered but it had been damaged, scratched and dented up. I asked that it be replaced, a few days later they showed up with new merchandise but this was damaged as well. It was replaced a third time with more damages so I went into the store and spoke with the manager and had my account closed, they refunded my deposit and scheduled for the merchandise to be picked up. This all happened before my first payment was ever due. Now 3 years later it is on my credit report as if I still have the merchandise and as if I never made payments. My account was closed and merchandise was returned so why would this be on my credit. Now XXXX has sold my debt to a collection agency making it look really bad on my credit. It needs to be removed from my credit as it is a false debt and not mine. I refuse to pay for a debt that XXXX created based off of their wrong doing. I have fought and pleaded to have this resolved over the years and all they are telling me is to pay the debt, even though it has been acknowledged by the store that they were in the wrong. Every time I call they said they cant find my account but now I am getting collection letters with my account number on them. I feel they are saying they cant find it because they do not want to help me resolve the issue and get it removed. Please help me!! You are my only and last option.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting XXXX bankruptcies on my credit report illegally. I disputed with Transunion and XXXX came back verified. Contact the courts and the say Credit Bureaus NEVER contact the courts to verify anything.

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 12/29/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that XXXX is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the XXXX report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. M & T Bank refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.

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 08/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened a self-directed online brokerage account with XXXX XXXX, called XXXX XXXX, in XX/XX/XXXX. Thereafter, I received marketing material from Bank of America ( " BofA '' ), promoting the benefits of opening checking and savings products with Bank of America. Of the benefits listed, BofA noted that an aggregate balance of above {$10000.00} would result in the waiver of maintenance fees. BofA specifically notes that the value of a XXXX XXXX account, combined with the value of all BofA accounts, will qualify a customer to receive this waiver. In XX/XX/XXXX, I set up a BofA checking count, and shortly thereafter successfully linked my BofA and XXXX XXXX accounts. I received verbal confirmation that this took place. In XX/XX/XXXX, the aggregate balance of my BofA and XXXX XXXX accounts surpassed {$10000.00}. For two pay periods until XX/XX/XXXX, BofA nonetheless charged a monthly maintenance fee to my checking account. Upon calling BofA in XX/XX/XXXX, they made an excuse that my accounts were not linked, which in fact they were. They apologized, credited my accounts immediately, and confirmed verbally that the accounts were in fact linked and that I qualified for the waiver. In XX/XX/XXXX, I discovered that my checking account continued to be charged a maintenance fee. Upon calling BofA, they again stated that my accounts were not linked, and instead blamed XXXX XXXX for the problem. My XXXX XXXX representative called BofA to resolve the problem, and BofA again claimed that the accounts were not linked. Further, they mislead the BofA representative, and claimed the accounts needed to be valued at above {$20000.00} to receive the fee waiver. Shortly after the call, and without my knowledge, BofA corrected an error to mask that the accounts were never in fact linked, and failed to notify me of this correction. This directly contradicted a year 's worth of service, during which they mislead me to believe that my accounts were linked. Upon calling BofA to speak to a supervisor, the supervisor acknowledged that they had corrected the error, finally, without my knowledge, and assured me they would document that they had acted without my knowledge. I believe BofA intentionally broke their promises to me. They failed on the several occasions noted above to fulfill their promised services. They further, surreptitiously, tried to cover up their failures. Then, when confronted, they apologized and made excuses as to their series of error and misconduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I XXXX XXXX i been a Victim Of Identity Theft Someone Open a Credit Card Account With Bank Of America That I Never Open. I File A Police Report For This Incident. Bank Of America Claim The Account Was Open Since XX/XX/2012 with a Different address i never Lived or never associate. Bank of America Mark this Account on My Credit Report asXXXX Unpaid and i was not aware about the Identity Theft Situation i Have A Lawyer From XXXX XXXX they Tried to Communicate With Bank of America and they Started a Fraud Investigation Bank of America Denied The Investigation And Claim that the Signiture that was used to open the account it match and bank of america claims there was no Fraud there Was Several Item on My Credit Report XXXX Item Was Removed From my Credit Report Except The Bank Of America. I Never Signed Any Documentation To Bank Of America And The Signature is not Mines. Bank of America Does Not want to help With This Situation and they Have Made this Problem for me Really Difficult and They Are not Accepting the Documentation From My Lawyer Neither The Police Report..

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: equifax let someone hack into their system and steal my id and they wont remove it after showing them the po report

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX XXXX XXXX sent me alert that Navient placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called Navient and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from Navient to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XX/XX/XXXX I applied for Forbearance with Navient and was approved. Navient led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. Navient never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of Navient never followed up with me, and I had to call him on XX/XX/XXXX to see what had happened. I was told when setting up the payment plan in XX/XX/XXXX to write a letter to Navient 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that Navient correct the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: wrong name on credit reort, containing a felony of burgulary by the name XXXX. my name is XXXX XXXX XXXX. this in return cost me a good job @ XXXX 2 weeks now @ {$18.00} an hour. please contact me asap XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, ohio XXXX also XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We took out a XXXX mortgage with Green Tree for our childrens school and medical bills. ( I 'm on the XXXX at the University XXXX ) I have written, called, Green Tree so many times and have gotten no response. All I wanted them to do is lower my interest rate of 9.65 to even 5 would help. I have never been late on a payment but its getting harder and harder to make those payments especially when principal is only XXXX from a payment of XXXX. Any help would be appreciated. I have told them when the transplant happens we may not be able to afford this with the medications being so high. I have NEVER heard back from them ... XXXX and XXXX 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 04/27/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other fee

Complaint: Chevron Gas Texaco continues to use deceptive practices by increasing the minimum payment even if you make a payment. They start with {$25.00} minimum and then continue to increase the minimum each month. Even if you make a payment, if it does n't meet there minimum amount, they will charge you a late fee of {$40.00} dollars and then they increase the minimum payment again until you are unable to make the minimum payment. Even if your account is closed. I now have a minimum payment of almost {$200.00} even though I have made a payment. The company issues the credit cards from Synchrony Bank and they are the ones who collects the payments. My account has been closed for about 6 months and they make it impossible to pay off the balance by continuing to charge outrageous charges, minimum payments and late fees. Last, they report you to the credit bureau, even if you make a payment. They state that if you do n't make the minimum payment, it 's considered you did n't make a payment at all.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.

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 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX Mortgage is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.

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 04-09-2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: The company is reporting my score too low and wo n't do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received another threading phone call this morning from Discover Bank aka Discover credit, Discover credit card, discover loan services, discover home loans! In XX/XX/XXXX I received confirmation on my claim for sXXXX XXXX XXXX. I sent a copy to Discover Credit, as card holders were Illegally ( XX/XX/XXXX NY federal court ) required to carry Payment protection plan/Death and XXXX insurance. I was told that I canceled my police in XX/XX/XXXX/XX/XX/XXXX! At that time I owe less then {$2000.00} on each of my two discover Credit Cards. I stop using both cards. BUT in violation to that NY Federal Court Order started charging my cards for then transferring money to their fake accounts and charging me. They kept locking me out of their web sit were I paid them requiring me to reset my password every other month on both accounts on two of their web sites ( they did not allow more then one account per site )!
Discover keeps changing their names after Federal courts rule against them ( PA Federal Court XX/XX/XXXX falsifying documents ). They are now using the name Discover Bank and have tied peoples charge cards thru their company Discover Home Loans to the card holders home!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Under Federal Law I have the right to bring to your attention errors regarding my loans and servicing of them. I have done that and CIT has sent me an incomplete accounting regarding these HELOC Loans. See attached letter to CIT XXXX. As of this date I have not received the requested information to fill in the missing accounting gaps. 
CIT is in violation of Federal Banking Laws and continues to fail to produce the documents requested. They also have not reimbursed me the funds regarding check # XXXX {$50000.00} twice for a total of {$100000.00}.

Company response to consumer: Closed with explanation