milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  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 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There are inquiry 's on my from all from 2014 that do n't belong to me as someone posing as me tried to obtain credit, after doing an online dispute within minutes they came back verified so there could n't have been an investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I tried to sign up for the fraud alert offered by Equifax and have had a terrible time doing it. I started the computer-based process on XX/XX/XXXX and was told after entering a small amount of information to come back to the site to complete the process the next day. Why? That is but the first oddity. Upon following that instruction on XX/XX/XXXX, I had a question, so decided to call. Thus started the fall down the rabbit hole. Busy, busy, busy, then on hold, on hold, on hold, and an hour went by, then all of a sudden the phone went to a busy signal again! I started the call process again just out of sheer cussedness and after another 45 minutes reached a person. I quickly determined that she did not know what she was talking about and could not answer my question. 
Although frustrated, I played around on the computer a bit more and found the page to complete the fraud alert registration, and discovered that they want me to enter all kinds of sensitive information, i.e. Social Security number, date of birth, my middle name! Are they crazy? They already compromised my financial information by allowing it to get hacked, and now they want me to put it into cyberspace again, just in case the criminals missed something the first time! Can you help with this craziness?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Logged into bankofamerica.com, Clicked on account. Shows XXXX overdraft fees when the below transactions does not show any overdraft charges. Called BofA customer service, I stated that there is an online order that has not been charged but shows " processing '' but does not show " posted '' on account and does not reflect the amount on hold or that is has been pulled out of my account on the " available balance ''. CS rep stated that I need to click on " account balance history '' and that it reflects the hold there, also, showing another account balance amount that does n't not match the account summary page. ( First time I 've been told to click on another link to get the " real '' available balance '' ) In " account balance history '', shows that it is still " processing '' but it has been deducted from my " available balance history ''. How are there XXXX available balances? If BofA is going by " available balance history '' why not show it along the statement page? The " account balance history '' shows the " statement balance ''. If my account was overdrawn, how come BofA did not decline the charges that were made afterwards? This is unfair and very deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife passed away on XXXX 2015 after a long battle with XXXX. This was our primary home when we first got married and it carried sentimental value for me. The lender received a full modification request package on XXXX 2015. Up until my wife 's passing the file was in active review and the sale date kept getting postponed. In or about XXXX XXXX, we informed SPS of my wife 's passing and were informed we needed to send Death Certificate and Trust information. The death certificate was sent to SPS immediately thereafter. 

SPS continued giving me a hard time regarding other documents that were sent in but SPS claimed not received. I have been coping with the loss and as well with my own health issues with XXXX . I was never informed of a denial at all nor was a denial letter sent to me, up until today, I was in active review and only today I was informed the file was denied and they are moving forward with the sale on Monday. How can they dual track and review me and then last minute say Im sorry too bad you are denied, we are foreclosing on you, Please do not allow them to pull these fraudulent antics on hard working Americans, I have paid property taxes and mortgage for years, this is not how Americans should be treated. I am willing to pay my mortgage but they are not playing fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

XXXX XXXX XXXX, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of XXXX XXXX XXXX, XXXX 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the XXXX Payment Receipt and Confirmation electronic document attached ). XXXX XXXX XXXX, XXXX  PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from XXXX XXXX XXXX XXXX . 

2. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and XXXX XXXX XXXX XXXX PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. XXXX XXXX XXXX, XXXX consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. XXXX XXXX XXXX, XXXX sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by XXXX XXXX XXXX, XXXX 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by XXXX XXXX XXXX XXXX . 

XXXX XXXX XXXX, XXXX needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.

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 07-11-2016 about Payday loan () with GVA Holdings, LLC (IN).
Issue: Charged fees or interest I didn't expect

Complaint: Charged illegal 743 % interest rate. Was n't fully aware of terms until loan had been accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my transunion report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.

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 05-10-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collector stated that he could not accept my payment of what i could afford {$50.00}. The collecter then proceeded to tell me if i can pay {$7000.00} it would be paid in full when i said i ca n't afford that he said can you get a cosigner for a bank loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Dear : CFPB I need your help to solve this problem with Bank of America ( BoA ) I strongly believe that my right as a consumer had been violated and denied for too long with the negative and false report in my credit file from Bo A. In XXXX XXXX BoA send me letter for collection and credit refund this process is conflicting with XXXX and the other. 

On XXXX/XXXX/XXXX I spoke to Bank of America ( BoA ) over the phone ( XXXX ) XXXX, XXXX, XXXX and transfer to XXXX in the billing department about the credit report of late payment and delinquency in my credit file, after I explained to him the error happened since XXXX XXXX told me that the report on all of my accounts will be correct and remove, and the credit bureau said it take about 30 days to get it correct. 

Today I went online to order my annual credit report and find that the late payment and the delinquency report was back in my files. I call XXXX and spoke to XXXX he said BoA had made a final decision that the delinquency report stayed as is in my file. I requests to speak to XXXX in the billing department but was denied, how could I have a delinquency when BoA refund a credit of {$61.00} to me plus all the late fees and interests was refund and correct since XXXX XXXX statements? 

I pay my bill in timely manner and paid as agreed, I did not paid minimum balance instead I paid full balance each billing cycle on all credit cards that I have with XXXX, XXXX XXXX, and Bank of America for the pass several years, please verify this with other cards provider. 

Please I need your help and I requests for an investigation into this matter to correct and remove this false report that had destroyed my good credit for over a year. Thank you for all your help and understanding I am looking forward to hear from you. 

Respectfully, XXXX XXXX Ps : This matter concern the account # XXXX, XXXX ( last XXXX ) Attached documents already send through regular mail XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have called Business and Professional Services numerous times over the last three years to verify the collections that they are reporting on my credit bureaus. My daughter and husband were both sick at the same time and while I tried to keep up with all of the insurance claims and status I just could n't. When I called originally the company was reporting such a small amount that I offered to pay the accounts if they would delete them from my credit report because I was unsure which ones had been paid by insurance and which ones had n't. They said they would be happy to delete if I paid the accounts in full and I was prepared to but then the phone rep came back and said there were older accounts that were not on my report and in order for them to delete any accounts they would ALL have to be paid in full. The total was almost 700.00 more than I planned so I declined and told them I would get with the original creditor and my insurance company to verify that they had not paid those accounts. Both the original creditor and my insurance company verified that they had no records on the accounts because they were so old. When I called back and spoke to Bus and Prof and explained this they told me they did n't care and that their records indicated I owed it so if I wanted anything deleted I would have to pay it all. I feel like I am being black mailed into paying debt that no one can verify.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Finance XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX / XXXX XXXX, XXXX Va XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: XXXX XXXX, 2016 I got an alert on my credit from a company called XXXX XXXX XXXX. stating I owed them {$110.00} for medical service. I sent the company a very detailed letter requesting validation on this account. I asked XXXX XXXX XXXX. to provide me with : 1. what the money they say I owe was for 2. explain and show me how they calculated what they say I owe 3. copies of anything i signed saying I agreed to pay them 4. Identify the original creditor 5. show me that they are licensed to collect in my state of PA 6. To also provide me with their license number and a registered agent. 
As of Today XXXX XXXX 2016 this company has failed to contact me. I notified Equifax on XXXX XXXX 2016 in writting that this was not my account. they did not remove it I notified Equifax again in writting XXXX XXXX, 2016 when the company did not send me any information I asked for after 30 days of the first letter I sent them. I sent Equifax copies of my reciepts and certified mail return receipts to see that I did indeed send these letters to this company. Equifax still refuse to remove this item off my credit. XXXX XXXX XXXX has wrongfuly placed an acccount on my credit report that is not true and does not belong to me. If needed I can mail you guys the copies of the letter and receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with H. Kent Hollins, Attorney at Law, P.A (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been paying a debt collector since XX/XX/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX/XXXX/2017 my chase account was overdrawn because the funds for a purchase were not withdrawn in a time effective manner and I incurred massive overdraft fees without being contacted about the overdraft as the interests racked up on my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a collection account on my credit report with XXXX XXXX XXXX account number XXXX. I contacted XXXX in XXXX 2016 disputing this account and XXXX sent me a letter stating that the account did not belong to me and that they would remove the account from my credit report. After considerable time, the XXXX account was not removed. I initiated a dispute with Equifax and sent a copy of the letter from XXXX relating to this account and that the account should/would be removed. 

Equifax responded that the account was verified and he information was reporting correctly. How is this possible, when the XXXX sent a letter stating that it did not belong to me and it would be removed. Equifax has violated the FCRA and dishonestly keeping this account on my credit file. I provided the verification from XXXX, so why is the account not removed instead of updated with bogus verification. 

This account should be removed within the 15 days allowed for response relating to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with I.C. System, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX, I sent IC System Collections a certified letter requesting validation of a debt they say I owe. The said letter was received on the XXXX day of XXXX. In that letter I asked that they validate the debt within 30 days ; However, I never got a response from IC System. 
As stated in such letter, I requested any debt that could not be validated, be removed from all three bureau 's in which it is being reported. There are XXXX accounts with this company that is being reported negatively with the bureaus. Having this report negatively and not being validated per my request, within the timeframe, is a direct violation of my FCRA RIGHTS. Because of IC Systems failure to validate a debt in a timely manner, I am asking that the accounts be deleted from all reporting agencies. 

Thanks kindly

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