milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit card protection / Debt protection

Complaint: I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''. I would only find it fair that both parties are following the terms of agreements. I would ask that your company enforces any & all fairness to the reporting of my credit report companies including XXXX, XXXX, XXXX, XXXX & all other reporting companies.

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 03-05-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is an attempt to nickel & dime me, this has been a problem for years. No one will return my phone call when they find out what has happen. This was an apartment I had while l in the military I never stayed in the apartment I was getting ready to XXXX  the apartment was for my return. This is a cleaning fee for a clean apartment. Liars ; at the time they said they found dog XXXX that is a lie I never stayed in the apartment I was getting ready to XXXX  to XXXX. I was hurt during training so I had to stay with a friend to take care of me until I was discharged from the XXXX. I even met with the maintenance man he cleared me, laughed because he said, well this is the easiest inspection I have ever had. I never moved in, this is on my credit report for {$320.00} dollars its a con.

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 09-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Payoff process

Complaint: our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing

Complaint: I was on XXXX 's wesbite browsing and came upon their American Express cash back rewards program. I am a XXXX member and this program is exclusive for members. I clicked on the link and read about the rewards and benefits. At no point in time did any disclaimer pop up or was displayed telling me the relationship between XXXX and American Express would expire in XXXX 2016. I clicked on the link which took me to the application process on the American Express website. Again, there was nothing during the application process on their website telling me their relationship would be expiring. Now the whole point why this program would interest me or any other XXXX member/consumer is because of the rewards and benefits. I had to learn from a friend after the fact I had applied for the American Express card that their relationship would be ending. This is very misleading and unethical on the part of both XXXX and American Express. If either company had made it known on their websites or during the application process their relationship would be expiring soon I would n't have applied. This needs to be done to protect the consumer and so a sound fair decision can be made by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with I.C. System, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX, 2017, I received notification from XXXX that my credit had been pulled for approval of new accounts. This was one of many as I was a victim of the XXXX data breach and had several accounts through several companies opened in my name. So far, they have all been resolved except XXXX. Here is an outline of events. 

1. XX/XX/XXXX - I received my first notificaiton that something was off. Credit was pulled on XXXX XXXX according to paperwork received from XXXX. 

2. XX/XX/XXXX - I sent my first communication to XXXX. Spring has no fraud department contacts you can reach via telephone. Literally could not get anyone on the phone to speak with about this so I sent an email from my work account. The email was sent to the " XXXXXXXXXXXX '' address. 

The first rep to reach out to me had the name " XXXX XXXX '' from the Credit Business Operations department. She asked to provide my name, phone number, and address. I sent that same day. 

A second rep from the company whose name only came across as " XXXX '' from the Credit Business Operations department directed me toward a link where I had to fill out a packet and mail it to XXXX. The packet had to include a police report and other signed paperwork. 

3. XX/XX/XXXX - I had already had a police report filed through XXXX Police department ( XXXX, OH XXXX ). This report was for an XXXX account that was opened and the situation handled. I appended the XXXX account to this police report so that I would have it for XXXX. I filled out the paperwork and sent it in as well. 

4. XX/XX/XXXX - Not hearing anything from XXXX in almost a month, I reached back out and let them know that I would be looking into getting a lawyer if they would not assist me. They told me they would escalate the case and open the investigation on their side immediately. They never acknowledged receiving the packet and I feel it is lost in transition somewhere. This response came from " XXXX XXXX. '' in the CBO office. 

5.XX/XX/XXXX - Still hearing nothing from XXXX, I emailed yet again ( as I mentioned above, no number to call and they wo n't connect you to anyone from the customer service line ). The rep was " XXXX XXXX. '' again who told me to go into a XXXX store to speak with someone. 

This has been the most frustrating and inconvenient experience ever. It 's bad enough that someone stole my identity, but then XXXX makes it impossible to get it resolved. They now have my account in their collection department " XXXX XXXX ''. I spoke to a gentleman there who notated the account of what was happening. He was actually more helpful than anyone at XXXX. My account is still opened with their credit collection department and I 'm at a loss at this point. This post was created 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained an erroneous entry. Now that over 30 days have passed I have found this company barely investigated the item and my report is still largely incorrect. In addition, when I reached out the data furnishers to request for validation documents, I did not receive anything to validate the entry. Instead, they requested me to fill up a form and send additional information. From what I read online, FDCPA requires collection companies to provide proof/validation documents upon consumer 's request within 30 days. Another thing that I do not understand is XXXX REMOVED this invalid entry from my report. My credit has been damaged due to this incompetence, negligence and none compliance.

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 Money transfers (Domestic (US) money transfer) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Fraud or scam

Complaint: I am a single mother of XXXX and of a military son. I had planned on buying a home, and now I ca n't because I am out {$4000.00} due to fraudulent activity. 

On XXXX XXXX, 2015 I was in the process of closing on a house. I was working with my realtor through email and phone during this process. It ended up that I wired my escrow money of {$4000.00} to a fraudulent account. The following is a detailed account of what happened. 

On XXXX XXXX, I worked with my realtor to sign the bidding paperwork for XXXX XXXX XXXX property in XXXX, VA. 

The next morning, I received a congratulatory email saying that the seller agreed to the bid and I will receive an email with the instructions for escrow and other documents. Later that morning, I did receive instructions and called my bank to proceed with the wire transfer. 

My realtor called shortly after to discuss me signing additional paperwork, then called again later in the afternoon to talk about escrow monies. I told him that I had already wired the money according to his instructions. He said that he never sent me anything today, and to stop and call my bank to stop payment. 

I did call my bank, and the bank where the money was being wired to, and neither party would freeze or hold the money to investigate!! 

My bank would n't do ANYTHING until I filled out a form, which, when I initially called to complain, no one, told me about any form, until my bank manager the following day mentioned it. I was told to make a police report, which I did. I NEVER, got ANY response from the local police to even say it was out of their jurisdiction. I feel really helpless in this situation. 

My realtor 's email was hacked! I want my money returned!!! That 's it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX of XXXX, I received a bill from XXXX or XXXX XXXX XXXX XXXX. It was for an emergency room visit in XX/XX/XXXX of {$1800.00}. I began to make payments in XXXX of XXXX. I worked out a payment plan of {$75.00} a month. I made four payments totaling {$300.00} from XXXX to XXXX. I found out that I was covered during the period of XX/XX/XXXX. It was suggested to get an eligibility letter for the period I was covered. I faxed in the eligibility letter and they said my bill was satisfied. I called on XX/XX/XXXX and they said, they were not sure when the refund would go out. Called XX/XX/XXXX at XXXX. They said, they had submitted the refund on XX/XX/XXXX and told them I had not received it and they said they would resubmit the check and I should call back in the early part of XXXX. I called back on XX/XX/XXXX and this time they said it would take thirty days and to call back in XXXX. I didnt receive the check and, so I called on XX/XX/XXXX at XXXX. They said they had mailed it out, and the check number was XXXX. I told them I didnt receive it and they said to call back tomorrow and that a supervisor would look into the checks whereabouts. I called XX/XX/XXXX, they said it was mailed on XX/XX/XXXX. I called XX/XX/XXXX and I asked for a supervisor. I spoke with supervisor and she apologized for all of the confusion and she said she would find out what was going on with the check and would XXXX the check to me. I received the check, which happened to be check number XXXX and I deposited into my bank on XX/XX/XXXX. It was returned on XX/XX/XXXX. Not only was the check returned I now I have a return check fee. The bank enclosed a copy of the check and stated that the item was returned by said financial institution for the following reason : Refer to Maker. I wanted to wait to call about the returned check until I spoke with someone from this department.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XX/XX/XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/XXXX to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very XXXX XXXX XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of the o rganizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization   XXXX   XXXX   XXXX   has been highly uncoorperative. They have been contacted over 6 times since   XXXX   /17  when the report was run. I can not speak to anyone higher in the corporation than a flo or manager, who te lls me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX /17   ,  two more times  with dates I did not document.On   XXXX /17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On   XXXX /17    I spoke to   XXXX    who opened a case, took down my information and told me someone will call me . Noone called.  On  X/XX/  17  I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60 day late ch arge and reported to  XXXX ,  XXXX , Equifax lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.   XXXX   XXXX   will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem.
Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Overdraft, savings, or rewards features

Complaint: On the XX/XX/XXXX I withdrew XXXXeuros from Coinbase digital wallet to my bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the firm a multitude of times without result. Through email, chat, XXXX, all fruitless attempts. It 's like I 'm purposely ignored. 

My email address at Coinbase is  XXXXXXXXXXXX. I 'll send a screenshot as attachment. Thank you very much! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Debt collection (Other debt) with North Shore Agency, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX SOLD ACCOUNT TO TO COLLECTOR TO WHOM VIOLATED THE F.C.B.A. 
AND FDCPA AND FCRA AND T.C.P.A. AND THE DODD-FRANK ACT. 
WE ARE SUING XXXX AND COLLECTOR IN CLASS ACTION EFFORT! WE ARE NOW ADDING XXXX TO SUIT.

Company response to consumer: Closed with explanation