milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I called to make arrangements to pay XXXX payments next month on my XXXX mortgage with 21st Mortgage. The rep XXXX was so unkind and said " what are you spending your money on? '' I asked for a supervisor XXXX who came on with pretty much the same tone. Saying they have the right to know what I spend money on if I owe them. Maybe so, but there 's a better way of them getting the information they need than just being so rude and blunt. I do n't have to show them my receipts of what I spend my money on. The point is that I 'm trying to work with them to get caught up and they harrass me with emails and treat me like dirt when I call in. I 've encountered this numerous times with this company. Finally XXXX transfered me to her boss XXXX XXXX at ext XXXX who was very professional and understood my concerns. He worked with me on the arrangement but this company is tipping the scale on their collection procedures and need to know where to draw the line.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach.

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from 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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has incorrect hard inquiries on my Experian credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Experian credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize it.

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 04/21/2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Using a debit or ATM card

Complaint: I made purchases with my debit card and I asked the bank to dispute the charges and it has taken about 3 months to finally recieve a provisional credit but then they decide within a week ( before I even receive the dispute forms ) to deny my case and now this issue has spread to my credit card companty and I am really upset at the way this situation has not been taken seriously by the bank and I am ready to retain legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with AES/PHEAA (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I was XXXX ( XXXX ) I applied for a student loan with my grandmother at the cosigner. After the four years, and having not graduated from college or benefiting from my student loan, I began to make payments on my loan. At first it was n't bad and was very affordable but over the past three years, my monthly rate has more than tripled. No matter what I have done or tried, they wont work with me. I have called nearly every month for a year, asking them every time if they could lower my rate and each time they have basically told me that they ca n't do anything and that it sucks to be me but I am going to have to come up with the nearly {$500.00} a month to pay my student loan. The rate they have me paying is about half of my monthly income. Add that to {$200.00} in rent plus my other monthly bills and basic living needs and I would have been left in the negatives every month. There was no way I could afford to make that payment. Because of this, I have been stressed for the past XXXX years and have XXXX and XXXX to the point where I now have to take medicine to function normally throughout the day and a different medicine to get rid of my anxiety and relax me enough to fall asleep. 
I have now defaulted on my student loan and have been told I could settle for {$35000.00} or I can pay {$9000.00} upfront and then make payments but the amount that I can afford wont even cover the interest on this loan. 
I 've run out of options and I am searching the internet for any sort of help available.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and Transunion to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and TRANSUNION to remove these inquiries.

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 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RECEIVABLES PERFORMANCE Address :  XXXX   XXXX   XXXX   XXXX   XXXX , WA has put a collection on my credit report. They call me from  XXXX  several times a day, but when I answer they do n't say anything or keep on transferring me to different agents without answering any questions. They ask to confirm my name and address stating that its being recorded. I was not comfortable giving it out and when i asked them what it was about  one  of the agents told me the las t 4  of my SS and my address. EVEN THOUGH I did n't confirm my name and address. It must me in their recording the lady said " this is your social security and this is the address so why are n't you confirming that you are such and such person. I am really baffled by their approach and interaction with our highly sensitive and personal information. They say I owe them {$140.00} from a  XXXX   XXXX  account which was opened on  XXXX   XXXX    XXXX  , which I do n't have any knowledge of. I did n't open a  XXXX   XXXX  account and do not know where they got my information from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Results Unlimited, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company garnished my wages for a 2 party debt after I paid the amount that I owed.I contacted the company to let them know they had already garnished me for {$1700.00} and that the other party to the debt owed the rest and was told by XXXX that it did not matter, so I asked for a manager and the manager XXXX advised that they would continue to collect the debt regardless although I paid what I owed already.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Synchrony Bank continues to report an account I closed and paid in full back in  XXXX     1989. The y include a negative comment on the file and have been doing so for 28 years thus only serving vindictive purposes. The credit reporting agencies are no angels in this as they had the opportunity to tell their clien t ( th e bank ) that this dispute is too old to report -- instead they cower to their clients ' wishes and ignore the consumers. The credit agency did not investigate my dispute and simply followed the orders of their client. Note, the bank reports a  XXXX  balance that was paid in full in  XXXX   1989.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This is in reference to Barclay Card. They are not only calling outside of the XXXX - XXXX timeframe, which I have a log of when they call, but they have repeatedly called me at work at XXXX. When they call at work, I am on a recorded and monitored line and I could be fired for such calls.

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 02/22/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax , I just received a letter from my creditor XXXX Stating they are lowering my credit limit, They stated in the letter that Equifax provided them with this information, There is no reason to lower my credit limit for I have been making all payments also they lower my credit score bye XXXX points again for no reason, If anything at this point my credit limit should be going up, I find this most coincidental sins I am in the proses of challenging Equifax , also I find this most disturbing for this in my opinion is nothing more than retaliation. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Using a debit or ATM card

Complaint: I filed a BankAmericard Cash Rewards Card today, so I got declined from Bank of America dated of XXXX XXXX, 2015 : Unfortunately, we 're unable to approve your application at this time. 
As a result of our decision, any balance transfer requests included with your credit application will not be processedXXXX, thanks for applyingI complain against Bank of America for discriminated against my income and they made me in full of disrespect banking account notification to U.S. Senators and SPeaker XXXX XXXX. 
I am dual unhappy with Bank of America responses involved due to unfit XXXX and XXXX residents notification to U.S. Senators, thank you, much! 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (FHA mortgage) with TIAA, FSB (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgagors fell behind on the mortgage because of a decrease in income and medical problems. The mortgagor 's income has increased and the medical problems are under control and they feel with the assistance from the lender, they would be able to manage the mortgage. The mortgagors submitted a modification package to the lender, but during the process a foreclosure letter was issued. The mortgagors have been in constant communication with the lender and are not sure why the file was referred out for foreclosure and would appreciate any assistance to stop the pending foreclosure allowing them to continue making their payments and keep their home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.

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 02/15/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter dated XX/XX/XXXX from XXXX XXXX , XXXX about an unpaid debt of {$1800.00} I supposedly owed to XXXX XXXX in XXXX. I called XXXX and said this was not my debt. They said they would report it as fraud. On XX/XX/XXXX I received another letter on this matter from Jefferson Capital Systems, supposedly the current debt collection agency. I was told this debt went back to XX/XX/XXXX. I was directed to several alternate numbers in their company and no one could give me any further information on it. I did learn the address for the service was at XXXX XXXX XXXX, XXXX, MI. I told them I had never lived there and in fact have never even been to XXXX! I am a resident of XXXX  and have lived here continually since XX/XX/XXXX. Prior to that I was a resident of XXXX. I also tried to call XXXX directly but got no where. I am a member of XXXX and I contact them. They requested I call XXXX XXXX again to find out what information was used to open the account. The closed account department said their records did not go back to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GFS II, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Gateways finical insttution llc forage me from the debt i.got a letter stating so but they refuse tomake it right along with other creditors on my account ny identy was stolen several times down south b  4 i  moved here 10 years ago and some items still remains from when i moved from down south

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My son sold a camera to an individual a site and was paid by the individual via Paypal transaction. Unfortunately he is a XXXX XXXX therefore does not have a steady income and was not expecting for the buyer to return the item and had already purchased another camera to do a XXXX job to help me out with bills as I am permanently XXXX due to XXXX XXXX XXXX XXXX and living on a fixed income and we are living with my elderly mother as we are unable to be on our own at this time. As soon as we were notified by Paypal I myself personally contacted Paypal and spoke with a representative named XXXX approximately on X/XX/18 and I asked her specially if we could make monthly payments in good faith and explained our situation, I also asked her about collections and or credit reporting and she informed me that they do not report to credit angencies and that yes I could make payments on what I could afford. I then made a {$5.00} payment immediately and it was accepted by Paypal via electronic check therefore they accepted the payment therefore what I paid was accepted as good faith payment and it was not returned by Paypal therefore they had no right to send this account to a collection agency without any communication via phone other than one email I received and that is when I responded to them via a telephone call. I will not be harassed by this collection agency as I know my consumer collection law rights and all the processes that did not take place in the handeling of this account. I will also be contacting the BBB regarding PayPals failure to honor what they told me or the lack of any hard copy written communication to me regarding this matter! When I contacted Paypal initially regarding this matter and my means of helping my son pay the balance off they assured me that my account was notated and that they would accept what I could pay as long as I made a good faith payment which I did and I was never told it had to be any specific amount and when I asked XXXX told me just be sure to make a payment of what you can and I wil notate your account. So that is what I did. A few days later I received this notice?!! Also, the information needs to be changed to my sons name XXXX XXXX and I will provide his social security number to Paypal over the telephone because he is the the seller and needed to utilize my Paypal information to be able to sell the camera initially but I will be helping make payments towards this balance as he is not permanently employed and helps me out by working when he can get a job taking XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I have been trying to reach someone XXXX at American Express regarding suspected fraudulent balance information given out by XXXX automated system and can not get anyone in the XXXX. When i call XXXX in NYC they tell me my only recourse is to e mail the chairman.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check to BofA via atm. The check was immediately put on hold and XXXX funds were available or will be available until XXXX. I went to reception and asked to speak to someone. The agent asked what it was regarding. He explained this was for for my protection and was not allowed to speak to anyone else. I called my bank when I returned home. This was to no avail and another call on XXXX was also unsuccessful. This they say is due to previous fraud on my account for over a year ago. The fraud was from my cloned atm card and not a check deposit. The bank allowed XXXX $ to be withdrawn from my account when there were insufficient funds to do this transaction. I could not withdraw that amount if funds were not available, how can someone with a cloned card do it. This fraud was reported immediately and resolved. Why am I being penalized a year plus later for their mistake. Please assist in this reconciliation.

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 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While checking my credit report, I noticed unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015, on XXXX.I did not authorize anyone employed by XXXX initiate an inquiry on my behalf.XXXX has seriously violated my privacy Act and FCRA Sction 16:1b ( c ) .I personally contacted XXXX to informally resolve this matter but they denied my request without any evidence allegedly that I made the applications on line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with Flurish Inc. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I looked at my credit report and seen something that I did not know of. I would like to file a dispute against it. It was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute with Experian, for the last year they have been sending me letters saying they will not investigate the accounts that are wrong. I called them and asked them why they had not specific reason and then denied me from disputing over the phone. I also told them that there were inquires backed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX that were listed that i did not approve, insurance, utilities and credit being that i have lived at my address for over 10 years. I tried to contact the creditors as i was told with no response as well.

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