milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Rewards

Complaint: I did n't receive my {$25.00} reward from the BOA 's better reward credit card in XXXX 2015. According to their rep, it was because I did n't make any payment in XXXX 2015. However, I got couple refund from different merchants and I applied my previous reward credit to that statement, which made the balance became {$0.00}. The rep said in that case I should over pay in order to get my reward, which does n't make sense to me, as most financial institute do not allow over pay a credit card. And without somebody explicitly tell me to do so, no consumer would assume that applying reward credit does n't count as payment, and as said, it does n't make sense to over pay a credit card.

Company public response: Company chooses not to provide a public response
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 EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: equifax, XXXX, XXXX, has reported a fraudulent account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Pioneer Capital Solutions Inc (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not ow e Pioneer Capital Solution anything I want them provide me of contract a sign with t hem.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have had numerous medical bills from XXXX XXXX, XXXX, NC. These bills were turned over to Optimum Outcomes for collections. XXXX XXXX has made phone calls and provided documentation to Optimum that these bills are considered settled due to financial hardship on my part. Optimum Outcomes has not reported and/or provided documentation to me stating the account has been removed out of collections. These bills are standing in the way of me co-signing a student loan for my son for college. When I have tried to escalate my calls to speak to a manager I am always told that there is not one available

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 attached a document that has 8 accounts that reported late. THE ACCOUNTS WERE IN DEFERMENT AND THE INFORMATION REPORTED IS INCORRECT.

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 05/19/2017 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: Account status incorrect

Complaint: On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX   XXXX   I called  XXXX   XXXX  at  XXXX   XXXX   XXXX  and  spoke  to  XXXX   EXT :   XXXX  to inquire about the late payments that occurred on my account after the account was closed.  XXXX   Advised that she  could not see any of the late payments that have been posted onto my account.     Upon doing an annual credit check I noticed tha t I had 2 late payme nts for the months of  XXXX  and  XXXX   XXXX . My account was closed in  XXXX  due to a motor vehicle accident that left my vehicle totaled and my account was closed in  XXXX  of  XXXX . I wrote the company to disput e the 2 late payme nts that had been put on my account after my account had been closed and instead on  XXXX   XXXX   XXXX  they posted another late payment to my account for the month of  XXXX   XXXX , 8 months after the alleged late fee occurred which caused my  XXXX   XXXX  to plummet almost  XXXX  points.     Further more the name is reported inaccurately on this 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 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/2016, Transunion had deleted XXXX inquiries off of my credit report ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX via XXXX ). I just looked at a recent copy of my report and these XXXX inquiries have been reinserted. I was never given notice as per the law that they were reinserted. I tried calling, but no one would help 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 02-09-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complain because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed. please resolve this manner as soon as possible. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: American Express charged me for Premium Car Rental Protection- {$24.00}. I never signed up. I know these products are a complete rip off. When I called to inquire, I was told I signed up in 2013 under a different card number. They refused to remove the charge. I 've never been charged before. Clearly the company changed my preferences and add it by default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Credit line increase/decrease

Complaint: I was promised 18 month 0 % interest financing, however, the company Barclaycard is charging me interest and refuses to correct or refund me for the interest they 've charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VT).
Issue: Loan modification,collection,foreclosure

Complaint: I became very ill XX/XX/XXXX and have been unable to work since. I have had XXXX XXXX because of this issue ( XXXX ) and have had no luck in resolving the problem. I was on XXXX and just this past month was approved for XXXX. I lost my job and all of my benefits XXXX because I could not return to work and at that point my income went down to less than XXXX % of what it was and I had to start paying over {$400.00} a month for health insurance. My fianc and I maxed out our credit cards and used what money I had in my XXXX to try to continue to pay all of our bills including the house mortgage, but it got to the point that we were unable to keep doing it and were just falling farther and farther behind. XX/XX/XXXX year we put the house up for sale and moved into our other house as the mortgage was cheaper ( house that was left to me when my parents died ). In XX/XX/XXXX we stopped paying the mortgage. I have talked to Nationstar on at least 2 different occasions asking about the deed in lieu of foreclosure and they would not answer the question, but would just ask me if I wanted to refinance or if I had refinanced. I explained to them that it would not do any good as I would not be able to make the payment even if it was reduced and explained to them what had happened to me on several occasions. Now they have sent foreclosure paperwork. Why is the deed in lieu of foreclosure not an option? During the 5 years that we owned the house we put over {$30000.00} into the house as we had planned to stay, so the value of the house has only gone up since we bought it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police report

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with Collection Management Company (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i paid the collection agency and they said within 2 weeks, the debt would be taken of my credit report. 
it has been a year and every time i have called i get the same answer that they are working on it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Problems caused by my funds being low

Complaint: Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a conventional mortgage with Citibank to purchase a secondary residence costing XXXX XXXX I had liquid assets of XXXX that amount credit scores of XXXX a D/I of less than 20 % and current annual income of close to XXXX. My job was going away within 60 days with a written document payout of XXXX my annual base and 3 years deferred comp totaling XXXX the cost of the home and I was declined because I could not show I yet had a new job. I 'm starting my own business. I was told to pay cash I am also an XXXX male

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Settlement process and costs

Complaint: We applied for a streamlined refinance on XXXX XXXX, 2015 with Freedom Mortgage. Initially, we were told the process would take XXXX3 weeks. Since that time, we have been through several processors at Freedom Mortgage, so we never know who to contact for questions. We have been promised several closing dates ... of which all of them have come and gone with little to no explanation. They stated once that part of a delay was they were waiting on us to send a subordination agreement ... of which I had sent them XXXX times previously for their approval before having my XXXX mortgage lender sign it. Then ... when Freedom approved the subordination, I overnighted the signed document to Freedom ... only to find out several days later that they needed the subordination changed. We are fed up with this process and do n't understand the consistent delays with the complete lack of communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (I do not know) with Receivable Management Group, Inc. (GA) (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Receivable Management Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Management Group. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Management Group is practicing UNJUST ENRICHMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had numerous issues with Navient and my forbearances in the past. Most recently, I called to defer my loans, received a confirmation, and then a month after doing so, saw that my forbearance payment was returned to my bank account. Called Navient, had to apply for the forbearance again, and was told I had till  XXXX  before it would end. Today I received a second delinquency notice, although it should be in forbearance currently. I spoke with someone in  XXXX  and again in  XXXX  about putting my loans into forbearance and it does not appear to have taken affect. I also had this happen to me a year or so before where the {$100.00} I had to pay on my loans to put them into forbearance was applied as a payment to my account instead of the forbearance fee. I noticed it the same day, notified them, and they assured me that it was applied correctly. I had to call numerous times upon receiving delinquency notices, and I had attempted to escalate the situation and speak with a supervisor but during the entirety of what was supposed to be a forbearance period, my loan was shown as delinquent and never adjusted. They told me it would not affect my credit rating. I am struggling to pay these loans back and it makes it impossible when the lender ca n't even assist as it should be. I have tried and tried to be diligent, responsible, and address any issues I 've seen in regards to my loans, but  Navient  has been incredibly difficult to work with. I do not trust them, nor do I know if speaking with a representative will ensure a resolution or solution for my issues and concerns. I have $  XXXX  worth of loans with Navient, and am struggling. Everyday I want to cry because as a college graduate and as a professional, I ca n't afford to pay these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: After having been a Bank of America customer with an opened checking account for years, though it is not my main checking account or one that ever has a lot of money in it at any time, I suddenly received an email that there will be a monthly {$12.00} fee, that I can only avoid by using Bank of America products I do not have, do not want, and do not need. 

Here is the sudden email I received on XX/XX/XXXX : " A $ 12 monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XX/XX/XXXX. ''

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 02-10-2017 about Payday loan () with GVA Holdings, LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan from " Northern Plains Funding '' for {$500.00}. The monies were credited to my bank account on XX/XX/XXXX. From XX/XX/XXXX, I paid a total to them of {$1500.00}. 
On XX/XX/XXXX, when inquiring about my loan balance, they " offered '' to refinance the " current principal balance '' of {$490.00}. I agreed, with the intention of lowering the bi-weekly payment amount. 
So from XX/XX/XXXX to XX/XX/XXXX, with bi-weekly payments of {$150.00}, only {$6.00} had been applied to the principal. 
Since XX/XX/XXXX, I have paid a total of {$1200.00}. That brings the total amount paid to {$2700.00} on a {$500.00} loan. 

I have since realized the online/payday/tribal loans are illegal in the State of PA where I reside. I have obviously paid this loan in full 5 times over- plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I learned that TransUnion Credit Bureau experienced a database glitch on  2 diffe rent occasions, summer of  XXXX  and early  XXXX . On both occasions Transunion deleted ALL inquires from  EVERYONES  credit bureau. Once TransUnion realized there was a glitch, they re-added the inquires back to the credit reports. I was never notified that TransUnion would be adding the inquires back on my report. It is illegal for them for any other credit bureau to remove reportin g s from you r bureau and then re-add them with out notifying the consumer 5 days prior to re-adding them. I called TransUnion on  XXXX / XXXX / XXXX  a t    XXXX   XXXX   and spoke to  XXXX   XXXX . I stated what my issue was and that I was demanding that the inquires be removed. Af ter 5 min utes of discussing the matter with  XXXX   XXXX , I asked for her supervisor.  XXXX  than transferred the call to  XXXX  who stated she was a supervisor. I explained to her what my issue was.  XXXX  when on to tell me that my social security number was not affected. I advised her that EVERYBODY was affected by this glitch. She recommended that I write a letter to the creditor and asking them to remove the credit inquires and send in with a letter of authorization. Shortly after that call I decided t call back because I was not happy with the answer. I called back  at    XXXX   XXXX    and s poke to a gentleman name  XXXX   XXXX . I explained to him the issue and he went on to tell me yes there was a database glitch but after looking in his system I was not affected. I asked him how can he prove it to me that I was n't affected. He stated that he would send me a credit report. I advised him that I had a credit report. The issue is that TransUnion did not following protocol by notifying me that the inquires were being re-added and if I was no t one of the mill ions of consumers that was affected then prove it to me. He went on to say he ca n't he can only tell me what 's in the system and that the glitch has been corrected. I advised him that I know the database glitch was corrected and things are running as they should be now. We disconnected the call.     I would like to have these inquires removed from my credit bureau. As it was against the law to re-add anything to my bureau without notifying me in writing 5 days prior to.

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 11-03-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX gave me settlement option on a capital 1 debt.The change the option to full payment after I missed, the last payment fromXXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Mortgage) with Seterus, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been dealing with an identity theft problem for eight years. A loan and mortgage was acquired using by identity XX/XX/XXXX in XXXX XXXX. The owner of the loan is XXXX and the loan serviced by dept collector Seterus Inc . The loan is fraudulent and was acquired by the theft of my identity. I have provided XXXX and Seterus Inc, by registered mail, with all necessary documentation dealing with my identity theft and a stop and desist letter to stop all contact with me as provided by the FDCPA and FFDCPA. The harassing phone calls stopped, they stopped submitting information to the credit reporting agencies and removed my social security number from their records. Unfortunately they have continued to send correspondence dealing with this fraudulent loan to my address in XXXX XXXX in an attempt to pretend that I am the person who is responsible for this loan. XX/XX/XXXX, the property that this fraudulent loan secures, burned and was a total loss. The insurance company that held the hazard insurance paid out {$350000.00} and the payout placed in escrow by Seterus Inc. Seterus Inc has requested that I sign over the insurance payout proceeds so that they can be used to pay off part of the loan. I am not the person who bought this property and will not participate in a fraud by signing over the insurance proceeds that belong to the criminal that stole by identity. XX/XX/XXXX I received a XXXX and a XXXX IRS Forms that they sent to the IRS. The XXXX submitted indicates that I received interest income and the XXXX form indicates an amount paid in property taxes. I have never received any interest payment from Seterus Inc. or have I ever paid for any property taxes on this property. The filing of the XXXX and XXXX forms to the IRS using my name and address in XXXX is a cynical attempt intended to intimidate and harass. I will now have a problem with the IRS and have to spend time and effort to clarify the bogus XXXX, which will cost me money and may require me to pay Federal and State taxes on interest that is not mine and I never received.

Company response to consumer: Closed with explanation