milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was released from State tax debt and Federal tax debt by filling out an innocent spouse forms. The credit bureaus have stated that they are either paid or released, which I did n't pay them I was released from those debts. And they are still on my credit reports. I feel that they should be completely removed from my credit reports since it was never my debt, it was my ex husbands debt from his business which was not in my name. And XXXX credit bureau does n't have that these tax liens were released from my name.

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 05-03-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Other

Complaint: i paid a company XXXX on XXXX and XXXX on XXXX with my slate visa card.the merchant name was ap industries which was also operating as XXXX.when i realized i had been defrauded i contacted my slate visa card to dispute the transactions and was told it was to late.my slate visa would not even consider helping me.i repeatedly told them i received no services at all.there must be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Background : XX/XX/2016 I was the victim of check fraud while I was out of the country. Bank of America reimbursed me the entire amount within 48 hours and I was very happy with their promptness. I 'm a XXXX Veteran and receive both VA and XXXX so my income while not poverty level, it is fixed. 
The problem : on XX/XX/2016 as I was checking in to a hotel XXXX miles from home I was told my visa debit card was declined. When I checked my account I was stunned to see that there was a {$600.00} debit that wiped out my account and caused an overdraft of over {$300.00}. More shocking news considering I had no idea what had happened and thought I was a victim once again of fraud. I called the bank and after an hour on hold and being rerouted three times I was informed that I had been overpaid when they reimbursed me and they took their money back. No warning, no emails, no phone call and no letter. I begged and pleaded with the fraud dept to please hold off until my social security check came so I would n't have to borrow money to cover the overdraft. I was informed that they " had the right to take their money whenever they wanted ''. End of discussion. I had money sent to me and I covered the overdraft. Needless to say I was embarrassed, shocked and in the throes of an anxiety attack at this point. I felt victimized again. The fraud dept. at Bank of America treated me like I had done something wrong even though they never notified me of an overpayment. I do n't even know if they 're correct. I 'm assuming they are and I was n't trying to get something that was n't mine. I was shocked at their treatment of a XXXX XXXX who has been their customer for 20 years. It seems to me that none of this should have happened to begin with if the fraud dept had done their job in XX/XX/XXXX when the checks were written. I had informed the bank that I would be in XXXX for two weeks and over {$4200.00} in checks were written in the XXXX XXXX XXXX XXXX while I was gone. I 'm angry and upset over the way I was treated. They took their money as is their right and I will be taking my money out of their bank and closing my account as is my right too.

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 10/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (WI).
Issue: Struggling to pay mortgage

Complaint: My brother XXXX XXXX and has no wife or kids. He XXXX X/X/2017 and his only heir is his mother who ca n't tend to the estate so I was awarded the Executer to the Estate. I have sent this company sensitive and personal documents on numerous occasions and to several names within the organization. The Estate hired a Real Estate company to look into a short sale. The Real Estate company has an offer to purchase that is very consistent with the market and has been  sending information representing the Estate for months. The company is not recognizing the fact that my brother has passed and continues to send information on refinancing the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Company did not indicate what steps it would take if loans went unpaid. Excessive emails about payments being due but no information. Emails if by any other company would look like harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I am a co-applicant on an FHA home mortgage through Chase bank. The primary applicant was discharged under bankruptcy in 2016 and did not reaffirm the debt. Chase bank is telling me that I am bound under the same terms of the primary applicants bankruptcy and no longer responsible for the mortgage debt. I did not file bankruptcy. They have stopped reporting to the credit bureau and telling me I have no rights to the loan because of the bankruptcy. They can foreclose. I ca n't refinance or sell they tell me. Please help and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I had a mortgage loan with XXXX and a XXXX mortgage with CCO Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of 21 years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to XXXX, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification XXXX continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. One was XXXX XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. CCO would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX. CCO would not agree with any option that was put out there so the couple found another home. The next day CCO called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now XXXX continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX/XXXX/2016 I contacted syndicated office systems in order to resolve an outstanding account. After my identity was verified, the representative was rude and bullish. I requested to be transferred to a manager and i was transferred to a lead person. His name is XXXX XXXX, who was nastier than the first person. He refused to verify any information to prove that the outstanding account was mine. I repeatedly requested that he verify the address on file but he said that he does n't do that, that i had to do so myself. After several uncomfortable minutes, i finally just wanted to get the situation over and just paid the account. I felt bullied and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX XXXX and huband name is XXXX XXXX XXXX I am filing complaint regarding a finanical company, name OneMain Finanical XXXX address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX their phone number XXXX they have an account which they are telling us it our account the account number is XXXX open XX/XX/XXXX, joint account installment account loan type is unserured. I have a company name XXXX XXXX which is helping us and they have send letters on our behalf. The company information is ( C ) XXXX XXXX XXXX ( R ). All rights reserved. XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, and of counsel attorneys. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX of Use Privacy Policy Email Preferences. Credit Access. 
Attorney XXXX, phone number XXXX. My email is how they find our information and verified is I who is calling my husband have his own account with the XXXX XXXX XXXX, it with my email. XXXXXXXXXXXX my address XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, my phone number is XXXX, birthday XX/XX/XXXX. My complaint is that this company is accusing us of owning XXXX the high balance is {$17000.00} from XX/XX/XXXX to XX/XX/XXXX pay status is a charge off the account number they have on file is XXXX. XXXX XXXX have wrote letters at least every sixty day since XX/XX/XXXX. They have send us letters refusing to take this the credit report off our credit bureaus, because they have tell me that all XXXX credit reporting agencies have the same information. Now from my understanding it is the company that report to these credit agencies, XXXX, XXXX and XXXX so that is not correct statement since, OneMain Financial reported this information to the credit agencies. I truely do not know this company and never dealt with them that I am aware of. I and my husband need help under credit laws that said this have to be an accurate reporting and this company have not given correct information. The XXXX Lax company have did every thing under law to help us. Please help us. Thank You for whatever you can do to bring the truth to light.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. 

XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,

Company response to consumer: Closed
Consumer complaint received 02/22/2017 about Consumer Loan (Installment loan) with Armed Forces Loans of Nevada Inc. (FL).
Issue: Managing the loan or lease

Complaint: I originally took out a loan with Armed Forces Loan and hit a rough patch and was unable to make payments. I contacted the company and made arrangements for a ONE TIME {$300.00} payment in XXXX and I told them I would contact them again the following month to arrange another payment. In XXXX I was unable to make a payment and in XXXX I noticed an unauthorized transaction from AFL on my bank account. I contacted my bank to reverse the charge and then contacted my legal office at my XXXX. I was advised to take legal action due to me not authorizing the transaction. I contacted AFL and made them aware of what they would possibly be facing and they quickly reversed the charge. Since XXXX up until now I have been making making payments of {$190.00} towards my outstanding loan but AFL again refuses to do their part. They are still reporting my payments as late monthly even though I have n't been late since last year. My payment of {$300.00} is n't reported on my credit report. I will be moving forward with legal action because I 've been burned by this company many times. They take advantage of customers & do n't execute proper reporting to credit bureaus. I have statements of payment included in this complaint as we as an email stating my most recent balance which is reported incorrectly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Other transaction issues

Complaint: opened a account with pay pal and attached my checking account to the XXXX. the money was taken out of my savings. I have filed account with paypal they state it is not their fault. Also I have a pay pal XXXX which was closed because XXXX of my payments did not go threw. I make my payments threw pay pal and my back up is my bank account. Because of the money being taken out of the wrong account and nsf charges their was not enough funds. I sent documentation to XXXX showing all the issues and the reason it happened. Also gave them a letter from bank stating their were funds in the account. They will not reopen. The issue is on the ACH paperwork which is attached. wrong coding was used the complete bank account was not used. Please see attached pw

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a Collection Notice from : Credit Protection Association L.P . 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. 
I believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Credit card () with Continental Finance Company, LLC (CA).
Issue: Delinquent account

Complaint: Continental Finance Company took advantage of me by taking DOUBLE Monthly Minimum Payments from me for months and only allowed double payment ( on-line payment and by phone when I checked to see if minimum for each month was being received by CFC. We I found out by looking at XXXX 2015 Monthly Statement CFC was actually receiving {$70.00} and not the agreed upon {$35.00} I contacted CFC to ask and was told to turn off auto pay and I would not suffer late fee or other penalty while the matter was being fixed and that I would be refunded for XX/XX/XXXX double Minimum Payment received by CFC. I was told I could use the Refund for XXXX 2015 payment. I have not received a Refund and CFC still charged me with a late Fee. I have never been late with a payment. My account with CFC is now Delinquent. I contacted my bank XXXX for help to stop double payments going to CFC. I think I was being double charged Interest for each double Minimum Payment I made. XXXX Contacted CFC. That same day or the next my account was charged late fee and is now somehow delinquent. How can my account be delinquent when I never missed a Minimum Monthly payment? On one or two occasions CFC applied the Doubled Minimum Payment for the next months payment, like XXXX XXXX and other well known Creditors do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: In XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. 

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is quite clear that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part. 

I am quite XXXX off you have included the following information on my credit report : XXXX XXXX XXXX following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX XXXX This account does not seem accurate to me. Can you investigate the account number, account terms, account balance, balance history, payment history if any, and the address being reported on this account. Please delete this account for any inaccuracies. 

XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

Chapter XXXX Bankruptcy XXXX I am disputing the file & discharge date on this bankruptcy because it does not seem right to me. Where are you getting this information from? Delete from my 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 explanation
Consumer complaint received 01/15/2017 about Debt collection (Medical) with Credit Consulting Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/2016 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. Now they went to the credit reporting agencies to blacken my name and blackmail me into paying a bill that has nothing to do with me. Please help me defend myself against this cruel, vindictive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Couch Conville & Blitt LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX and Couch, Conville and Blitt - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation