milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Transaction issue

Complaint: I paid off my credit card in full XX/XX/2016. XX/XX/XXXX my payment I submitted was more then I wanted to pay on the card that had a little balance ( since I had just paid it off ). I was unable to cancel or edit the payment. Bank of America informed me I should contact my bank to place a stop payment on that particular payment and that it would charge me a return fee but I could call back and have it refunded. When I called to get this refunded everyone told me it was not doable because it was a legitimate charge even though they told me this could be done. In XXXX 2016 I had a scheduled payment of {$100.00} to my credit card. Everything appeared to have gone through until I recieved an email that it did n't. I called Bank of America and they assured me everything was fine if something happened it would have kicked back already. Well the next day I check my account and that payment too had been returned and they charged me another returned check few. I called two more times to see what the problem was and they ( BOA ) told me to contact my bank where it was coming from ( XXXX ). XXXX did admit they did not remove the stop payment from the previous month ( XX/XX/XXXX ) and it had rejected the payment from XX/XX/XXXX. I called Bank of America again to let them know what happened they said they understood and refunded both of my returned fees. Well today ( XXXX XXXX ) I tried to use my credit card and it was declined, when i called to see what was going on they notified me my credit had been revoked and my account closed because of the returned fees ( one they instructed me to do and one that was a complete accident ; i.e : they refunded both return payment fees they charged ). So now I will have to fight whatever negative consequences. Bank of America has been nothing but trouble to 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 10/27/2017 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: IC System keeps contacting me. I set up payments with them and there was some glitch on the second payment so they called me and demanded immediate payment, giving me a deadline of 3 months. I disputed the amount of this collection and only set up the payment plan so they would stop harassing me, but it looks like they plan on harassing me either way. When they call, they refuse to leave messages.

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 04/29/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Credit decision / Underwriting

Complaint: I am in the process of purchasing a home. I chose to do business with Quicken Loans based on their strong reputation within the mortgage industry. After starting my loan application, I received constant miscommunications, poor service, and a feeling from their team as if my business really was not important to them. I chose to withdraw my loan application, and take my business elsewhere. I chose to withdraw my loan, and the FHA case number was transferred to my new lender. Quicken had to close my loan application out in order to transfer the FHA case number, and when they did, they closed the loan as " loan denied, credit denial. '' This caused a hiccup with my new lenders underwriting team. I had to spend many hours on the phone with them explaining to them why my loan was not in fact denied, I withdrew it. At this point, I have worked through the concerns my new lender had, but on principal, my loan application should be closed based my request to withdraw my application, not " credit denial. " Quicken Loans is the biggest joke of a company I have ever had to work with, and I am certain their ratings with XXXX XXXX are forged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I applied for a payday loan at XXXX XXXX loan company. The representative was fraudulent and told me I was not approved and kept the money plus turned me over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this is not my debt and i will attach my police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with D&A Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone from XXXX for a debt that I is not MINES!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: This is a letter that I faxed to XXXX XXXX 10 days ago and I received no answer. 
Dear Sir, Madam, I got your fax number from a nice lady that I talked to when I contacted XXXX. 
My name is XXXX XXXX XXXX and I have a XXXX credit card, that I use very rarely. ( acct. number : XXXX ) However, I used it a few months ago and went for a vacation to XXXX to take care of my sick mother and later I went for vacation with my kids. Therefore what happened to me is really my fault, but I would like to ask you for reconsideration of my case. 
I did not pay my bill for 2 months. The balance was about {$80.00}. 
Being on vacation, I missed your statements ( in the pile of my mail it was n't difficult, and also, I pay all my bills electronically, so I might have missed a paper statement ) My balance came to my attention after an agent from your bank ( XXXX XXXX ) called me ( XX/XX/XXXX or XX/XX/XXXX, ca n't recall exactly when ). I paid my balance promptly over the phone. 
Last week I got my credit score to my bank and I noticed, that it went XXXX points down, from excellent, to barely good. I know, that this is going to be on my record for 7 years. 
I would like to bring to your attention, that I 've been working on my credit history for all my life ( I am XXXX years old, divorced mother of XXXX ), successfully paid for my college, mortgage, various car loans, credit cards, all my household and phone bills and I almost never missed payments. My loans were often very high and I managed to stay in the excellent credit range. 
I would like you to reconsider your decision to report my mistake ( of not paying {$80.00} ) to credit bureau and essentially wiping out years of my excellent financial standing for under {$100.00}, 2 cycle missed payments, that was promptly paid after the phone call. 
Please let me know if there is anything you can do about my case and please advise what should be my next steps if there is nothing that you can do at your end. I would like to avoid the consumer agency complaint. 
Thank you so much, Best regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried contacting XXXX on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also experian refuses to remove these 2 new accounts XXXX XXXX and XXXX card as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

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 12-01-2016 about Mortgage (Other mortgage) with Posh RE Mortgage corporation (CA).
Issue: Application, originator, mortgage broker

Complaint: I was working with American Quest Home Loans to refinance my home in XXXX XXXX, California. After a lengthy process which involved numerous lock extensions and constant hassle, I expressed my dissatisfaction with the company and informed them that I no longer wished to go through with the loan because the fees were too high for a simple refinance. I was in the process of shopping for another company when I began to receive numerous telephone calls from another loan officer with their company. The man appeared to be friendly and courteous and assured me that he could get the deal done. I was still dissatisfied with how much the loan cost until I received an email from this man promising me that they would pay me {$5500.00} at the close of escrow which was to come out of their commissions. I relied on this representation by this man and signed the loan documents believing that I would receive {$5500.00} after all was said and done. After the close of escrow I received a check for only {$1700.00}. I have made numerous attempts to resolve this matter to no avail. To this day, the outstanding {$3700.00} has not been paid to me.

Company response to consumer: Untimely response
Consumer complaint received 05-10-2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: In the last XXXX job applications I asked to be sent a copy of my Consumer Report and both included, in the XXXX and the Felony Including Misdemeanor sections, a " Previous Address '' which I 've never lived at. My current address is correct, which I 've lived in since XX/XX/2001. Most job applications ask how long I 've been at my current address, and I always answer the correct amount of years, but if my 'Consumer Report ' says I 've lived somewhere I 've never been and I do n't even know *when* it says I 've lived there, the places I am applying to may see this as me lying on my job application and thus not give me a job. I do not know how long this has been in my 'file ', but I do know that I have been looking for a job for the past 6 *months*, and as I have no black marks from my previous jobs, no felonies nor misdemeanors nor even a parking ticket, I can only assume it is due to this fake address somehow in my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Inc. calling my private cell phone in regards to an issue with a member of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Convergent to settle my debt. I replied to the letter with my account information for them to take money directly out of my account on a monthly basis until the debt was finished, but they never took any money out of my account. I even sent them an email to get back to me as there were two different addresses for them, but I never received a response. Recently, I saw them on my credit as collections for a debt that I did in fact try to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgement against me, which was filed illegally due to bankruptcy laws, keeps appearing on my credit report. When I try to initiate a dispute online, they tell me my public info does n't match. Not able to reach a person via telephone, they want me to mail documents proving who I am. Other credit reporting company received my dispute online with no problem, and resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (I do not know) with RNN Group, Inc (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are a place of business and we do not give out any type of information regarding our employees or their family members. We are getting numerous calls from RNN Group and we are not obligated to confirm or deny who works for our company. This is obviously a debt collection. The RNN Group representative is extremely rude and unprofessional. They seem to have made it their mission to continue harassing our place of business and they do n't even know if the person works here. If they were professional, they would not be disrupting another place of business over someone 's personal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today I received in the U.S. Mail a letter from " Experian '' dated " XXXX XXXX, 2016. '' Under the " Address '' section of my " Experian '' credit report it lists a false address of " XXXX. XXXX XXXX ; XXXX, California ; XXXX. '' I have never lived in " XXXX, California '' nor I have ever own a " XXXX. XXXX XXXX '' in " XXXX, California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to " Experian '' about " Deleting '' this " XXXX, CA '' false address over 30 days ago, all to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (WI).
Issue: Managing the loan or lease

Complaint: XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report this account as open and derogatory. They were listed and included on the creditor matrix at the time of filing which was XXXX XXXX, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XXXX XXXX, I received a third-party communication from an Experian partner regarding their Credit Check monitoring program. I decided to try their services utilizing their {$1.00} trial. 

On XXXX XXXX at approximately XXXX, I called and cancelled this {$1.00} trial as the service was constantly interrupted, freezing or forcing me to change my password due to some internal error. The agent assured me I would NOT be charged {$21.00} moving forward. 

Since then, I have been charged in XXXX, XXXX, XXXX, XXXX, and XXXX for a product I did not want. That 's {$21.00} x 5 ( {$100.00} ) that I have been fraudulently charged. 

As I transact quite frequently each day, it appears these charges slipped through the cracks. 

I called their XXXX today, XXXX XXXX at XXXX. The representative was rather rude, stating they only give back 1 month. I never authorized 5 months, so why does Experian get to keep my money? That 's consumer theft. 

This type of behavior is why CFPB needs to regulate companies like credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with Premier Portfolio Group (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Received call from Premier Portfolio Group about a " bad check '' involving my name and social security number. They did not address be my name and only called my unlisted work phone number. I immediately found out there was a scam by searching phone number they left on message. XXXX Premier Portfolio Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe this is the fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: On XXXX, I transferred {$290.00} to my aunt in XXXX, NV to reimburse for home improvement expenses for my mother 's home which she is in the process of selling. My aunt added her bank information and submitted a transfer request, which should have been completed by XXXX. The funds never showed up in her account so she called me. I immediately submitted a customer service request and waited several days. When I did n't receive a response, I used another service for the transaction ( which completed without a hitch, by the way ) and requested a refund. After multiple customer service requests, I attempted to call, but there appear to be NO phone numbers available for this company. I also tried to call the parent company, PayPal, but their XXXX XXXX corporate headquarters only provide EBAY voice prompts in their phone system. It has been simply impossible to get through to a live person or get any kind of response from this company. I am a senior citizen and need my {$300.00} back! HELP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Bankruptcy discharged 2 years ago and trying to get GreenTree/Ditech to remove from bankruptcy department and correctly report to credit bureau. Working on this since XXXX 2015. No call backs from supervisors. Nothing but excuses. Call every week for resolution to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Experian started charging me for some sort of service which I never authorized : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/XXXX PURCHASE Experian XXXX XXXX CA XXXX $ XXXXPosted TransactionsXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XXXX Experian XXXX XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX XXXX XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX EXPERIAN SCORECARD XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXTotals {$0.00} $ XXXXUse the menu above to view account history since XX/XX/XXXX for th

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX I had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after repeated attempts to delete them via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.

Company response to consumer: Closed with explanation