milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: unethical behaviour on the part of Equifax I have called everyday since XX/XX/XXXX and they told me that my addresses do n't match up and that is why I ca n't get online to do my disputes. I have faxed 2 seperate copies of my information that you all requested and mailed it and nothing. Everyday is just wait 24 hours, just wait 48 hours. Then today ( XX/XX/XXXX ) it  is the system is n't working and the system still have my old address please send me that information. I just want my address in the system changed to XXXX XXXX XXXX XXXX, XXXX, VA XXXX as my current address so that I can get into the dispute system. No I do n't not want you all to do it for me because this is my file and I believe that you are making it so I ca n't get in. That is illegal for you all to hide my credit file from me because it is mine. My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (FL).
Issue: Trouble during payment process

Complaint: We have a loan through XXXX lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that XXXX lending services has sold our loan and we would be making payments to Lakeview Loan Servicing , LLC on the XXXX of XXXX. On XXXX XXXX our mortgage was withdrawn by XXXX lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out XXXX, This made no sense to me because the agent could see the XXXX payment on her computer screen this was evident by her statement, " ok i see the payment on the XXXX and the XXXX '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. After that i called XXXX XXXX about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. It would be XXXX thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out XXXX in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help. 

When i spoke with XXXX today they said it was a glitch with Lakeview loan servicing llc computer.

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 07/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Choice Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Santander consumer claims I owe them money which I do n't. I had a car loan with them back in 2012 and the car was reloaded and sold. I had no balance. Then I started receiving notices of surcharges and fees saying I owed. That now has reflected on my credit report and it 's negative information that is false and misleading. I contacted Santander and offered to pay the {$200.00} they claim I owe even though it 's not true if they promise to remove the negative account and they refuse. They ca n't prove I owe that money and I am aware they are violating cereal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I Open up bank of america credit card account in XX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with bank of america and few months later it was denied by them and they marked the card as ' as lost ' and i called bank of america and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from bank of america and i check my credit score and it went down to XXXX from XXXX and i called bank of america on the XXXX of XXXX and asked them to email or send a letter to 3 major credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my XXXX credit 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 monetary relief
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for chapter XXXX XX/XX/XXXX. I made an agreement with my creditors to pay 100 % of my debts. In exchange once all debts have been paid my Chapter XXXX will be " dismissed. '' I paid all of my debts 100 %! I contacted TransUnion to remove from credit report. I faxed TransUnion dismissal papers from United States Bankruptcy Courts proving my case. TransUnion still states bankruptcy is verified. I contacted U.S Bankruptcy court and the U.S Bankruptcy Courts stated TransUnion did not request my court docket file. Under the FCRA, once filed the case is a matter of public record and appears on my credit history. The public record listing for a dismissed ( completed or paid ) Chapter XXXX bankruptcy remains for 7 from the filing date! I am attaching all proof to validate my complaint! I also have an active loan with XXXX. I refinanced my vehicle in XXXX XXXX, mt next scheduled payment was to be in XXXX XXXX, XXXX XXXX mishandled the paperwork and rescheduled payment for XXXX XXXX, XXXX XXXX reorganized the loan so two months ( XXXX XXXX, XXXX XXXX ) was put at the end of the loan. I disputed with TransUnion and they still have me 30 days late in XXXX XXXX. I called XXXX and they stated they updated with XXXX. XXXX stated contact TransUnion, we did our part. My chapter XXXX should be off my credit report, XXXX should be never late! Transunion is very bias and is created to hurt the consumer and not be honest.

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 07/26/2017 about Debt collection (Credit card debt) with ERC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ENHANCED RECOVERY COMPAN XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Balance {$600.00} Highest Balance {$600.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX I have no clue about this account. I contacted them about it. Nothing has been done about it. I was told the account was opened in XXXX and we are in XXXX. Why would it take 5years later for them to report this account. Its fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Fraud or scam

Complaint: hello i am in the process of registering a complaint again, about a matter that has been either overlooked or has not been addressed to the right people. to get the correct personal advice or action taken about this complaint.i know now that it is not fair to me and is a violation of my legal rights, or a trick just too get money out of a XXXX person that had too stop working because of a accidental household injury.. it is interfering with my lifestyle and i want the complaint registered until i get some information or feedback about it.,,, thank you XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Unsolicited issuance of credit card

Complaint: Received an unsolicited platinum mastercard from capital one in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a fraudulent account. Ive never signed up for anything with XXXX XXXX or XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with ABILITY RECOVERY SERVICES , LLC, several times to no avail. ABILITY RECOVERY SERVICES , LLC, refuses to provide me with the documentation Ive demanded them to provide me with, ABILITY RECOVERY SERVICES , LLC, refuses to remove this account out of my name and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Neiman Marcus ( NM ) has disabled my log-in access for no explainable reason, my account was not past due or over the credit limit. They : A ) only provided an XXXX # ( which wo n't work for XXXX XXXX ). When I was able get an non XXXX number the account was several days ( 10 ) past due.  They now are trying to charge me an amount equal to the payment as a " past due fee ''. 

B ) NM wants to record the call, but will not let the consumer also record the card. They said they would let my account go 30 days past due unless I complied with one-way recording, meaning they can record me, but I can not record them. If I did n't agree, they would hang up. 

C ) NM 1st attempted to tell me my account was locked due to " my new email or a problem with my cell phone '' and not being able to send a verification pin. I informed them I had received an email at this account just today ( XX/XX/XXXX ) to tell me account was now past due. When I told them neither my cell number or email address were new and that I had held both my email account- and the cell phone number - they have on record since XX/XX/XXXX, they then stated ( admitted ) to me that my account was locked due to a new system they had set up in the past 30 days that was not properly coded/set up to send emails to all email addresses, including a problem with my " XXXX '' account that I have used for the past 10+ years - and that I have had used with this online NM account since it was opened! NM then demanded that I establish a NEW email account with a new email provider and that I manage and monitor this new email account if I wanted to do business with them and not have my account locked, or have my payments be late, which would incur additional late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with ZARVAD III S.A. (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I was contacted on XXXX XXXX, 2017 at XXXXXXXX XXXX from phone number XXXX from someone claiming to be from My PayDay Loan. Let me also mention that I was never informed during the call that it was an attempt to collect a debt and information obtained would be solely used for that purpose. I was told that I owed over {$1000.00} for a payday loan. I was also then given my bank account number which they should not have because that is a new account and I was informed that they were proceeding to submit a wage garnishment for the loan. I have not received any documentation regarding the loan. I was also not informed on the call that it was an attempt to collect a debt before they also released by birth date to me. I do not feel comfortable proceeding with payment being that governmental laws and practices were not followed in an attempt to collect a debt. I feel I should not be obligated because I am under the impression of this being a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On approximately XX/XX/XXXX I received a notice from the collection agency claiming I had a debt. Within the 30 days they had asked for ; I responded to the company asking for verification of the debt including with any information of signed forms or simple verification relating to the debt. They have never responded to my request in any fashion, I have never heard from them again. Since then they have placed derogatory information on my credit report three months later. Simply put I did as they asked and they never responded to my request, so therefore I am to assume they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Servis One, Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Got divorced in XXXX 2015 and the umass XXXX bill and the mortgage was my ex wifes responsibility according to my divorce paperwork yet it shows up on my credit report as being late. I would like it removed from my credit report as it is aversely affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i get emails from Navient quite often with different payment amounts when i consolidated

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: American express tricked me to keeping my account open. 

I called American express on XX/XX/2016 regarding my American express XXXX business account. I inquired if there is any retention offer that can help me decide if I should keep my account. An agent told me that she is able to add a retention offer, 'spending XXXX on the account and get XXXX XXXX points in 3 months. ' Then I asked if she can send me a confirmation email, but she told me that she ca n't. However, she left her name XXXX with agent id XXXX. Then I finished the spending requirement on XXXX XXXX, but I have n't received my spending bonus on XX/XX/2016. Hence I called American express on XX/XX/2016 and inquired if my spending is eligible for spending bonus and how long it will take to get my bonus points. The agent responded with 'sorry there is no retention offer on your account, and you are not eligible for any bonus points. ' Then I asked if she can locate the agent XXXX with agent id XXXX, but she answered 'no XXXX is not here. ' Then I ended the call but found I was tricked by American express because American express agents tried to keep my accounts with fake offer and names/ids. Now I can not get my annual fee refund because it has been passed 30 days since annual fee posted.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with World Omni Financial Corp. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a car loan with XXXX XXXX XXXX AKA World Omni. They are reporting my payments late. I am current on my account. They have me as 60 days late on XXXX and I have called XXXX   about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I went through a series of unfortunate events that made fall behind in my mortgage in XX/XX/XXXX, I tried to modify my mortgage for many times, we even went to court but the modification was to pay even more than the original amount. My last resource was to do a short sale but after an approval letter on XX/XX/XXXX, my realty was told that the approval failed. We do not understand what is going on with Wells Fargo but they really want me to lose my house to a foreclosure. My realtor has a buyer with the money ready to close on the house for over one year now the bank has all the paperwork that they asked for and told us it will be 2 weeks, now is like 6 months. 
I will really like to get to the bottom of this, its being 7 years now in XXXX XXXX that I am trying to save my house but all efforts have failed. I went through a divorce, my son going to college and me losing my job, all legitimate situations. I have proof all of the modifications attempts that were failed. I really believe that Wells Fargo has made this impossible for me. I feel that I being violated and will like to get justice on it. At the end of all I will like to stay with the house, I have it for a long time but when the houses devaluated in XX/XX/XXXX, all my nightmares began. 
Can you please help me, my telephone is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you.

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 07-06-2017 about Debt collection (Medical debt) with Alorica Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Global receiveable solutions has reported a item on my credit reports that I have already spoken to them and advised that i was disputing the charges with the insurance company as it should have been covered by the insurance company. After telling them to stop calling me they repeatedly continued to call me. I would get three to four phone calls in a row with no voice. Prior to them calling i was NEVER advised that this account was sent to a collection company until i brought it to there attention that i never got a statement in the mail. I have gotten one statement letting me know that this account was in collection, and have not received Anything from them. In addition to that they are calling me from multiple phone numbers that are not addressed as a collection company but as a local phone number with an area code of XXXX. I have already told them multiple times to cease and desist and they continue to call me.

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 02/22/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Making/receiving payments, sending money

Complaint: My wellsfargo card was lost and/or stolen. I reported, and received a new card. Before, my card was lost or stolen, my boyfriend and I had previosly purchased some items with XXXX. On XXXX/XXXX/XXXX, two payments were made to XXXX. However, I did not provide my new card number to XXXX. On XXXX/XXXX/XXXX, XXXX charged my new bank card XXXX seperate charge amounts. They informed me that I called and told them my new card number on XXXX/XXXX/XXXX at XXXX.However, I did not provide them this information. When I called Wells Fargo to dispute these charges, they denied me the dispute. They stated that my new card number was provided to the merchant, " XXXX '', by XXXX XXXX. Basically, I did not provide authorazation for these payments, I want my money back. How can a merchant retrieve my personal information without first contacting me. How can my bank provide my personal information without first contacting me. The merchant account is not even in my name, it is in the name of my boyfriend. Their has been a breach of privacy.

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