milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: I opened a secure account with Bank America XX/XX/XXXXpartial account from my credit report # XXXXaddress id XXXXthe amount was XXXX the account was last use in XX/XX/XXXXI was XXXX the security was deducted however theysent this account to collection which as been terminated becauseI did owe on this account they have been reporting this as a charge off!!! 
it has been removed from my XXXX report but its still onmy XXXX and XXXX ACCOUNT! 
Bank America did agree to remove these accounts from the trade linebut it has yet to do so with these XXXX credit reporting agencies!! 
Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XXXX, court records show, the bank will remove any marks on consumers ' credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on trans union and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter.

Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report.

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of XXXX XXXX and who i trusted with the information that was given to me. I did end up getting the XXXX  computer at a later date which was my intention i send a copy of the receipt.

It would benefit both the company and the customer best interest if XXXX XXXX could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit XXXX XXXX when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with XXXX XXXX any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made.

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as XXXX XXXX could fulfill the request of their customer and to rebuild that relationship with 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 explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We were approved for a short sale and began the process. On XXXX XXXX, 2016 we accepted an offer for amount the bank appraisal came back for. It is now XXXX XXXX 2016 and we still have no resolution. I spoke with the Bank negotiator on the phone XXXX/XXXX/16 and was told the XXXX they had received was good but the date needed to be pushed out by 30 days. I was promised that if they got the XXXX with the correct date they already had everything else they needed and the file would be submitted to the credit officer by the end of the week. The XXXX was submitted the next day. I called and left a message for the negotiater to let them know it was equator. Now we have been told the purchase agreement has expired and we have to resubmit documents, which is contrary to what I was told on the phone. We continue to have to resubmit the exactly same documents and have no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Credit card debt) with NCC Business Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: claims we owe {$2000.00} for no services rendered never provided proof in 3 moths in violation section 809 Fair Debt Act

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have in my report and address that have no relation with me ' '' ' XXXX I have never live there,,, still get call and people that apply using my information on that state

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Customer service / Customer relations

Complaint: Capital One is reporting incorrect information on my ein number and is not suppose to be to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Settlement process and costs

Complaint: Bank of America wants me to notarize home modification papers for the 6th time. I informed BOA customer service and customer representative to resolve matter, to send me written letter on how to resolve matter. I asked if I could record phone conversation and was told " NO ''. So I ask of them to send written letter of resolution to solve problem specifically to state that this would be the last time that I would have to notarize modification papers. Waiting on resolution letter from BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Chase Bank did a credit inquiry on my credit that I did not authorize. I did not authorize in any form or fashion. I called the bank to ask them to remove it and was told that they have been hacked into and credit inquiries were happening to a lot people and that I needed to call their IT security dept. The next day I called the security dept. and they said they would get it removed. I gave them all my information to get it removed. It has still not been removed yet. The inquiry was dated XXXX on credit reports, for whatever that 's worth. I do no business of any sort with Chase Bank, no accounts, nothing. I am still wondering how they got my information in the first place? Without sighed or confirmed to do so? Something fishy going on at Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I do not have the financial ability to be represented by an attorney. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me why is they are choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with Kehoe Financial Group, LLC (AK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This phone number has made numerous calls to a phone number that is not and never has been registered to my name. They have on multiple occasions left my personal details on an answering machine that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (ME).
Issue: Problem when making payments

Complaint: Boug ht   XXXX    XXXX  at    XXXX   XXXX   and financed them, I guess throug h Citizens Bank.   Payments are hitting m y    XXXX   XXXX   credit card monthly  (   XXXX   pa yments each month ). I have never received any statement, have no idea what the account number is, the balance, etc. I attempted to find the loans o n the Citizens website, ho wever I do n't have any account number. Attempted to call, they could not locate the loans. I have n't received anything on either of these loans ( no disclosures, statements  ), the only thing I get is an auto email each month telling me that the payment is being processed. I have no idea what the rate is, the APR is, or the term is. Because I was never giv en disclosures with this information, I should not have to pay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've asked for the creditor to validate the debt by providing an itemized bill over a dozen times. During our correspondence they continue to harass and abuse me by calling me repeatedly at all times of the day offering to close said collection to coerce payment for a debt that I ca n't confirm to be true and valid. Despite these predatory and unlawful tactics they have now reported the collection to all three reporting agencies dropping my credit score from the high XXXX to the low XXXX. I have mailed them my rebuttals and their violations of the Fair Debt Collection Practices Act yet they still continue to with their unlawful ways.

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 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Amsher has continue to report a collection on my report after they sent a letter to me stating the so called account was closed in there office and sent back to the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NJ).
Issue: Struggling to pay mortgage

Complaint: I am an XXXX working per contract. Last year I had a hard time finding a new contract, so I run out of savings and I fell behind with my bills. 
Finally in XX/XX/XXXX I found a 6 month contract in XXXX XXXX TN, working for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
We had a very tight schedule. We were working 7 days a week and over time. 
I received a letter from the mortgage company that my house was in foreclosure however they wanted to help and they were offering me several options. 
The first option was a repayment plan which I wanted to apply for. 
I am offering a 6 month repayment plan of XXXX dollars per month. 
The Bank refused the plan saying I have to pay the XXXX dollars at once. 
My question is why they offering me a repayment plan as a first option if they are not willing to go with it. 
On the other hand a 6 month plan is a reasonable plan that will solve the problem in a relatively short period of time. Instead, they prefer to drag me thru the foreclosure. 
They claim I have to modify the loan, but I say I do not want to do it because my mortgage has a lower interest than any modification. 
They want to get me on a higher rate so they can rip me off. 
Not unusual for a helping hand of a financial institution. 
Best wishes, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligent in protecting private information of mine allowing hackers access to my private data including but not limited to : My social security number My home address My drivers license number

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a wrong address on my Equifax report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently eenrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (NV).
Issue: Struggling to pay your loan

Complaint: I went into the store on Friday, XX/XX/XXXX and informed the manager that I would not be able to make the proper payments for my loans and needed to set up a payment. She said that the store does not allow payment plans unless in default of your loan. I asked how long that takes and she said I would have to wait no less than 30 days after the day of my first missed payment in order be considered in default status of my loan. She said she turned off automatic payments for my loans and to call customer service to follow up with setting up payments. On Saturday, XX/XX/XXXX I spoke with Customer Service and confirmed that automatic payments were no longer being authorized, which was on a recorded line. I told them that I come into the store to make a partial payment of {$25.00}. They told me that collection calls will continue. They attempt money from one of my bank accounts without my consent, which is clearly an FDCPA violation and breaking anti-trust laws. If they continue to break the law and violate such regulations I will be forced to take this to proper authorities and file sanctions against this company. It is always breaking the law when charging a persons account without their consent. If they want this debt to eventually be settled, then will stop attempting to charge my account without my consent. I still have yet to speak with any district level management or regional management to settle this dispute in very diplomatic way, but to no avail. I do not wish or have any intentions to taint or tarnish this companies name in any way, shape, or form. However, I am only trying to set up a form of payment schedule to pay my debt off as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle loan) with SOUTHERN AUTO FINANCE CO (TX).
Issue: Managing the loan or lease

Complaint: I am currently past due about 67 days on my Auto Loan. The finance company is un willing to work with me to bring it current. I have offered a payment and for them to auto draft another payment on my next payday. They state unless I pay late fee 's plus a payment that is almost {$700.00} ( one payment {$450.00} plus late fee 's on the account ) they will not take a payment from me. This extra amount over XXXX does n't even help me with the next payment. I feel that getting my account current should be more important than late fee 's. Fee 's is something we can worry about once I get the account current. I am trying to bring the account current to the best of my ability but they will not allow me to make my regular payment amount to help bring my account current to aleast take it from 60 something days past due to 30 something and another payment in a week to bring it due for the current month. They state that they do not have to work with me and they can repossess my car at 1 day past due. I have made late payments on the loan but I have not ever broken an arrangement I have made with them. I know that making late payments is n't a good thing but the finance company should be willing to work with me not blocking me from making payments my account is not charged off. They are pushing for me to give the unit back and I want to make the payments and keep it. Now they have been refusing to take a payment for a week now and with this being a simple interest loan the interest accures daily so now they also stand to collect more money in interest. How is this fair to myself ( the consumer )? I as many people live pay check to pay check but I am doing my best to work with them and pay the loan as I agreed to do and they are doing their best to make sure it does n't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax continues to ignore my requests to update information despite being supplied with information over and over again. I have uploaded documents to their site, uploaded documents through the CFPB, and am no longer allowed to initiate online disputes with them. They continually take more than 60 days to respond and then do n't update the information despite being provided with letters from the company ASKING THEM TO DO SO. The other credit reporting agencies have removed these inaccuracies but Equifax continues to say that they are looking into it and not remove them. XXXX, XXXX and XXXX, as well as the XXXX XXXX XXXX have all asked Equifax to remove negative indicators and they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.

Company response to consumer: Closed with monetary relief