milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My original Mortgage was 2 countrywide XXXX   mortgages. a First and a Heloc second mortgage. The loans were taken over by Bank of America. 

I have the Lien Release for the First Mortgage loan # XXXX I have been struggling for years to get the Lien Release for the Second Mortgage, a Helco loan # XXXX. This mortgage is lost. BOA can't find it. 

Bank of America does not respond to my fax and telephone requests to Send a Lien Release even though I have a letter from Bank of America stating it was paid off in XX/XX/XXXX. 
I have faxed them the documents, and they do not respond. Bank of America tells me there is no loan # XXXX. 

I am nearing the end of my current refi and I must have this Lien Release to have my refi go through. Interest rates are rising as I try to complete it and close on XX/XX/XXXX. 

Bank of America is not responding to me at all! I can not get title insurance on my property because they can not find my loan number. 

I need a Lien Release so my refi can be completed by XX/XX/XXXX. 

Bank of America Lien Release dept. XXXX I spoke to XXXX once. She asked for so I faxed her the documents 3 times to Fax XXXX. I got 3 confirmations on my end that they went through. 
XXXX said her phone extension is XXXX ext XXXX. I have been told by others they do not have extension numbers! XXXX or all others at Bank of America to not get back to me at all!!! 

Please, I need help! This has been going on for Years with this lost Helco mortgage and I do have the letter from Bank of America saying it is paid off. This is all I have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX 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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.

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 09/21/2015 about Debt collection (I do not know) with HIGHLAND FINANCIAL SERVICES (Closed) (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.

Company response to consumer: Untimely response
Consumer complaint received 08/21/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a derogatory account on my XXXX XXXX report placed there by southwest Credit systems ( SW CRDT SYS ). The account came from XXXX XXXX XXXX Some one a place called XXXX purchased XXXX worth of either equipment or services from them and used my information. If you search my residential records you will find I never lived in the city or state in which this took, in fact I have never even been there. Following is a copy of what is on my credit report I have contacted XXXX XXXX XXXX who said they would investigate Southwest Credit swears it 's my account, XXXX XXXX does nothing. I really feel violated by the abuse of these large companies who can at will mess up our lives. I think it unconstitutional be able to publicly falsely destroy my pursuit of happiness. 

SW CRDT SYS Reported on XX/XX/XXXX {$4300.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it 's going to stay on your credit report. You might notice some changes to your account info though ; it 's been updated to reflect recent activity. 
Dispute Reason Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
Dispute Results From XXXX XXXX  received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you 're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX Dispute XXXX. XXXX XXXX XXXX, PA XXXX XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The creditor has re-aged this account on XXXX showing payments in XX/XX/XXXX yet other bureaus show debt given to a collection agency, XXXX ( opened in XX/XX/XXXX ). How is that possible? At one point, status of the student loan account was showing as open on XXXX yet duplicate reporting by collection agency for same debt ( please see attached ). Reported DoFDs are different across all the credit bureaus and supposed payment history and original amount owed keeps changing. Series of violations and inconsistencies occurring. Please delete this account and get corresponding collection removed 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 explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle lease) with VW Credit (NJ).
Issue: Taking out the loan or lease

Complaint: I had a leased vehicle from XXXX-XXXX and turned it in early because there were some miscommunications and I was put in a low mileage lease that was XXXX a year when I travel XXXX miles per day for work, There was a change made without my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: Summary : Had a credit card, was paying debt. Became unemployed and unable to pay ( XX/XX/XXXX ), account went to collections. In XXXX XXXX, got a temporary part-time job and made arrangements with the creditor - XXXX to pay $ XXXX/month. Started XX/XX/XXXX. XX/XX/XXXX ( I 'm told ), the account was charged-off. I have been making $ XXXX monthly payments to creditor since then. XXXX XXXX, I wrote to them to tell them to " STOP CALLING ME. '' I said nothing about them not doing anything else. XX/XX/XXXX, they replied they " received [ my ] your request to close the above referenced account. '' WHAT??? And then later in the letter : " If you would like to may payment arrangements to resolve this issue, please contact us at XXXX. '' Huh??? I already made payment arrangements with them when it was discussed and I agreed to do $ XXXX/month - all I could do ; and notified them in the letter that I 'd let them know if/when my situation changed. 

So, my question is this : If the creditor talked with me, stated/negotiated ( almost begging ) an amount and accepted the payment amount I could make, AND has been accepting ( and acknowledging - receipt of ) those payments every month - for a debt that was Charged Off XX/XX/XXXX ; do they then have any right to refuse current payments I make, in an attempt to say I was not " paying as agreed, '' or to make it seem as if I have not been paying? What is my right as a consumer? What is their right as a creditor? 

I have another letter to write to them, accompanying the next payment I 'll be sending, to let them know they did not follow my letter, or misinterpreted it, and further - they did not acknowledge receipt/crediting the payment ( per letter as they have done for over a year - prior to my letter of request ). What else do you suggest I do at this point? Please advise, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am being hounded for a medical debt by a company that is not bonded in the state I reside in XXXX Texas XXXX. After numerous attempts to have them validate the debt with written proof that I am in an agreement with their company specifically ( XXXX  XXXX XXXX ) they failed to do so and only sent general information in the form of a bill for the account that I am not familiar with as I have no knowledge of this debt. 
I am asking that this account be removed from all credit reporting bureaus immediately due to this fact. 
My account number with the company is - XXXX. 

Please confirm receipt of this request an I look forward to its ' immediate removal. 

Thank you XXXX 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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It  May  Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  E  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX  COLONY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  To Whom It  May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) listed b elow are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15 U.S.C. 1681i ( a ) ( 5 ) ( A ) (  i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I re quest that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the it em ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the ab ove requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX   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 non-monetary relief
Consumer complaint received 11-05-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account Resolution Services is claiming that i owe money to their collection agency. I have asked them dozens of times to verify that i owe this invoice but they can not produce an actual invoice or any form of proof that there is any invoices from the company that allegedly hired ARS to collect this money. I have also contacted that company as well and they claim that they do not have any record of my name in their system or any invoices ever due in my name. I have notified ARS of this several dozen times and also sent them a certified letter in regards to this matter, but ARS still refuses to provide any evidence of an invoice. Furhtermore, ARS also failed to comply with SEC.809 ( A ) that states that ARS has to mail me notice of debt within 5 days of initial contact. ARS is refusing to provide evidence or remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I owe XXXX plus interest that has accrued making my total debt close to XXXX dollars. I have applied for reduced payments but they say i dont qualify and my min payment needs to be XXXX   monthly. I am XXXX years olf and make less than XXXX. I feel that i am paining on interest that has been compounded over the years and with my wife being ill i cant afford these payments. I did the repayment by income deal and my payment could be XXXX dollars a month. I would file for bankruptsy but it wont help. Its truly robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Using a debit or ATM card

Complaint: I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: Equifax, To whom this may concern ; I mailed a Multiple Inquiry Removal Letter and have made numerous online disputing attempts in regards to 7 hard inquires on my credit report. Each dispute has ended the same with Equifax stating the same response to each inquiry " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' These hard inquiries are not factual. They are being disputed for a reason ... .I DID NOT AUTHORIZE. I have contacted each of these creditors and they all give me a hard time directing me back to the credit bureaus reporting these errors. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. That fact I keep receiving completed investigation reports after 2 days of submitting the investigation leads me to believe no proper investigation is being done. For example the most recent dispute I made was on   Tuesday  XXXX   XXXX ,   XXXX   and I received my results today Thursday  XXXX   XXXX . I am submitting this complaint due to the lack of investigation into these unauthorized inquires. Im requesting evidence of the results of all the investigations I have submitted, the name of the agent responsible for performing the investigations and the person or people contacted at the institution reporting this inquiry. It is my legal right to have Equifax substantiate anything they are reporting on my credit bureau. I will not take the same response as before. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: the inquiry from onemain was made on XX/XX/XXXX, I contacted them as soon as I saw it on my credit report thru XXXX XXXX on the XXXX inquiry details. it drop my score 2 point. I informed onemain that I have not applied for credit since I filed for bankruptcy in XX/XX/XXXX and they told me this credit application was made online with your name address and ssn with my husband email address. at this time neither my husband or I have applied for any credit, loans or unsecure debt. I believe this is Identity thief. 


Onemain XXXX, IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. 

I have outstanding transactions that need to be credited- XXXX from XXXX on XX/XX/XXXX and on XX/XX/XXXX, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: i had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.

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