milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Closing/Cancelling account

Complaint: I was enrolled in a repayment plan for one of my American Express credit cards. I allowed them to automatically take money out of my account monthly for a year. After completing the program as I agreed both of cards was cancelled. I called to ask why I had not received a monthly bill and at that time they told me because I participated in this program my accounts had been cancelled. I only enrolled one of my cards in the program. I got nothing in writing and I asked for an investigation and to date I still have gotten no response. I have made numermous calls which all have been dropped. They also stated have a balance of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Debt collection (Non-federal student loan) with ATG Credit, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to 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 12/20/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Shopping for a loan or lease

Complaint: Upon the expiration of my lease I applied for a car loan from Honda Finance. There were special financing offers including a .9 % which I desired. The agreed purchase price was {$16000.00} which is the requested financing. I had made thirty six timely payments on my lease with Honda but was turned down for financing. I received a letter stating the reason as " AHFC must verify information '' I believe the abbreviation is American Honda Finance Corp. I believe I was denied a loan because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Payday loan) with Direct Recovery Services, LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Direct Recovery Services contacted my fiance 's brother about a debt I owed from 2 years ago. They mentioned that if I did not contact them it would lead to being served papers to go to court and that I only had 24-48 hours to contact them. When I contacted them I asked for proof of the debt belonging to me and I was hung up on. I was also promised that once the debt had been paid I would receive an email confirming the debt paid and closed, I still have not received my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently in the process of obtaining a new home loan XXXX I disclosed to them that I filled for bankruptcy XX/XX/2013, and that at no time was my current home mortgage included in that bankruptcy. I continued to make timely payments throughout. The Bankruptcy has now been discharged and I am in the process of buying a new home. During the process of obtaining the new loan XXXX has found that the loan holder of my previous mortgage ( for which the property is now a rental and I still own it ) was not reporting my payments to the credit agencies and the agencies are reporting it as foreclosed. This is absolutely incorrect. I have asked that the loan holder ( Wells Fargo ) update this information to the credit agencies showing that I have made timely payments, and have remained current throughout the duration of the bankruptcy and afterwards. I have all supporting documents showing payment history and a letter from my XXXX Attorney stating that the mortgage was never included in the bankruptcy to begin with. After 6 weeks of back and forth with WF they say that they have removed the dispute, but they will not confirm this to the credit agencies. My new home is ready to move into, but I can not due to my information being erroneously reported to the credit agencies and WF 's unwillingness to help correct the matter. They insist that is up to the credit agencies. I am now 1 week homeless and no closer to closing on my new home. I need help in having this matter resolved in a speedy manner, please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have had accounts opened in my name fraudulently. It has been ove r six  months, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says  XXXX ,  XXXX , AND  XXXX  but the address is wrong because mail gets returned. When I  XXXX  them, there is an entirely diffent name listed on the their website. Says  XXXX ,  XXXX , and  XXXX . There is no way Equifax has verified accuracy with a company listed as  XXXX  name and then double reported as another amount, but I know they keep items on consumers credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: Problem : Mortgage was satisfied about 30 years ago. The title company found that Citibank did not do what ever they are suppose to do to be removed as a source of lien or other encumbrances Address of Mortgaged property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Mortgage Statement : account : XXXX Address statement sent to : XXXX XXXX XXXX, XXXX XXXX, ny XXXX Person on statement ( me ) XXXX XXXX XXXX Date of statement : XXXX. 
I recently called XXXX XXXX at : XXXX They informed me the only way to proceed is to fax my issues and documentation to : XXXX I have faxed them 3 times in about 20 days and have not received any emails or calls from them. 
I called Citibank again yesterday and was told my only recourse is to fax them again ( which i did ). To date, no one has contacted me about my problem. The mortgage was satisfied in full about 30 years ago, but now that I want to sell my condo, i have discovered their failure to remove themselves from having anything to do with it. 
I am hoping that filing this complaint will get someone at Citibank to take some action to removing themselves before i have to hire an attorney to go after them for reimbursement should i loose the sale deal. 
Best of Regards and Respectfully submitted, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have reviewed my credit report for accuracy information I notice that my inquiry 's were removed and reinserted without proper notice by law section 609 you ca n't reinserted previous removed items without notice to the consumer causing my credit report to have damage changes

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 02/13/2017 about Consumer Loan (Installment loan) with PREFERRED CREDIT INC (MI).
Issue: Problems when you are unable to pay

Complaint: In XXXX of 2015 I was contacted by XXXX of Minnesota. I was understanding that they wanted to talk to me about some health issue. When they came to my home, they turned out to be vaccume selling people. They sold me a vaccume and an air purifier and I had it financed thru Preferred Credit , Inc. of XXXX XXXX, MN. in the amount of {$4000.00}. My wife worked at XXXX at the time of purchase. In early 2015 XXXX closed and she lost her job. I contacted P.C.I. and told them I would have to reduce the payments for awhile until she found a new job. Apparently they did n't like that I had to do that and they started reporting negatively on my credit report from then thru now. I have contacted them several times regarding this matter and they refuse to remove negative reporting, even tho I am now making regular payments to them. They said, I signed a contract and there 's nothing they can do about it. It has really damaged my credit and I am trying to get a mortgage and with this on my credit, I ca n't get a loan. My lease is up in XXXX and I have to move so I need help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Wells Fargo customer. I have two credit cards on my account that I do not recognize. 
I discovered information on my XXXX credit report.

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 07/30/2015 about Mortgage (FHA mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My loan went into default with XXXX XXXX XXXX for almost a year. I was working with XXXX to get a loan modification however after XXXX unsuccessful attempts to resubmit the same documents, we finally just gave up. It was causing undue hardship and mental stress to continue to provide documents again and again only to be stalled in the process. It 's very clear that XXXX was using stall tactics so that they would not have to move forward with the loan medication. In early 2015, I received a letter from XXXX that the loan was sold to BSI financial services. I contacted BSI who advised that they own the loan. I explained to them that I was continuing to receive foreclosure documents from the courts. BSI further explained that they now own the loan and will allow me to short sale my home. I advised BSI that I 'm not going to submit documents again XXXX times only to be stalled once again. BSI assured me that I did n't need to fill out any paperwork and instead they would connect me with XXXX of their preferred realtors to look at the home for potential short sale. Also, I would like to add that BSI advised that if the home did not sell within 60-90 days that they would accept a deed in lieu of foreclosure. They also advised that they would not hold me responsible for the difference whether its a deed or short sale. The realtor and BSI approved the short sale for XXXX and house was listed. Approximately 30-45 days later I received mail that a foreclosure judgment had been granted by the local courts. I contacted my realtor who advised that she would contact BSI to see if we could appeal to additional time to short sale the house. I never heard from her again. This week I received mail from the courts that BSI bought my home for XXXX. In essence, they sold the loan to themselves so that they can resell at a higher value. This is both unethical and fraudulent. They lied to me throughout the whole process and I seriously question if the realtor was in on it from the very beginning and has received some sort of kick-back for assessing the home 's value for them from the start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL 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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Is Experian beyond adhering to the Fair Credit Reporting Act. I have contacted Experian over a 3 day time span and have tried to get them to place hard inquiries that are reporting on my credit report under dispute however this was met with great difficulty and an inability to have this done by several of their agents. These hard inquiries that they are reporting are not factual and I received the answer from each one of the representatives and supervisors I spoke with, XXXX on XX/XX/XXXX, XXXX who was a supervisor in the Disputes Department ( XXXX XXXX ) on XX/XX/XXXX, XXXX who was a supervisor in the Special Services Department ( XXXX XXXX ) who called me back on XX/XX/XXXX after I had reminded XXXX that a supervisor was to call me back from my previous call with XXXX, and lastly on XX/XX/XXXX XXXX in the Texas Office, all stated this information is factual and they must by law report who accessed the credit report and if I had any disputes I must reach out to the creditor.
They are directly violating the FCRA as it reads according to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if they do n't investigate and respond, the CRA must delete the dispute information from its files. The very fact, that 4 representatives refused to place the inquiries under dispute, constitutes hat there was NOT an investigation performed. I am submitting this complaint as there was no investigation done on my request for the hard inquiries that do n't belong to me. This is blantant violation of the FCRA and Experian knows better than what they are doing. Not only is this a violation of the FCRA but also a violation of my consumer rights. Just in case they need a refresher, these are the accounts that were requested. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX I would like them to comply with all applicable Acts.

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 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted XXXX multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX XXXX which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.

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 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: To whom it may concern, I need your help to return my money from Bank of America.

On XX/XX/XXXX, I was paying my Bank of America credit card balance online and by mistake, instead of {$1500.00}, I transferred {$15000.00}. When I realized this mistake I contacted Bank of America customer service department, and requested a transfer of {$13000.00} back to my XXXX XXXX XXXX   account. I provided all account information bank routing number and account number.

On XX/XX/XXXX, Bank of America made a readjustment and debited my credit card account for the transferred amount. I received a letter, stating that {$13000.00} were transferred to the original source. Unfortunately, this money never came to my checking account. After all my contacts and communications with Bank of America Customer resolution department, I did not achieve any results. Three cases were opened, closed, and marked as completed. In order to find the lost money, I requested that detailed information about this transaction is sent me, but Bank of America representatives refused to cooperate and help me solve this problem. 
At the time of the first transaction, I did not have enough money on my checking account, and this money came from my XXXX XXXX XXXX  credit card, linked to my checking account for overdraft protection. Now I am paying daily interest for this amount, and already paid about {$400.00} dollars. 
Please help me resolve this problem, and return this money 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 monetary relief