milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related 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 10/27/2016 about Debt collection (I do not know) with Integrated Recovery Services (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: keep calling me and wife saying " this is XXXX from intergrated services call XXXX failure to do so will expedite employment wages and liquid assets protocol. 
They were asked to stop calling said i need to call back or my lawyer and hang up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiry needs to be removed immediately : Creditor Name : XXXX/ XXXX - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Requested on : X/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Other debt) with Collection Bureau of the Hudson Valley, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX overcharged me for cable and internet services. I was moving to a new location thus I called the company to cancel the services on XXXX XXXX, XXXX which was 5 days after the billing cycle ended. Even though I did not use the company 's services after XXXX XXXX the company charged me for the full service cycle from XXXX XXXX to XXXX XXXX for {$140.00}. Subsequently, XXXX never reached out to me after the XXXX XXXX date when I called to cancel. XXXX then had a debt collection agency try to obtain the debt which is incorrect since I did not use their services once I moved from the location on XXXX XXXX. Currently, XXXX and the debt collection company have reported the transaction to the credit bureaus which impacted my credit score. XXXX aggressively and incorrectly took action to overcharge me as a customer - they should not be allowed to charge for a full payment cycle once I cancel the services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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 06/24/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I borrowed money from ACE Cash Express several times. I lost my job after I took out my last loan. I informed them and made a small payment towards my loan and explained my situation. The representative set me up for a payment plan being on the date of my last check with my previous employer. The representative helping me told me with my payment it would bring me down to a lower even amount. After payment was made I called to make another small payment as I explained to the previous representative I wanted to make good with that company and pay them off but my employment situation was stopping me and once I got a new job I would make bigger payments. When I asked my balance it was even higher. I explained my situation to the representative and she told me it was an installment loan and grew interest daily I told her that he previous representative had told me I would n't get anymore interest and I would have to just pay off my balance. She said I would get interest til the end of XXXX which makes my balance a lot higher and causes lots of financial stress on me and my family being that I 'm unemployed. I thought I was doing the right thing when in fact I should have never gave a payment so I would stop accuring interest a lot sooner. I was not valued as a customer to this company obviously I would never recommend their services to anyone. They did not attempt to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with Eagle Accounts Group, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am adding and update to case # XXXX. My mother received in the mail a notice that since she had stopped payment on the $ XXXX+ check presented to XXXX XXXX and that they were now charging her a late charge of {$25.00}. Obviously, the fraud investigation unit has not informed any other dept of what they are doing. She gets very upset trying to talk to them, and they will not talk to me, so I told her to her to pay any legitimate charges on the card, and not pay the disputed amt. I also would like you to feel free to publish the issues of this complaint to others, as I feel this is not an isolated incident. Would like to know if this has or is happening to others.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (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: I am a victim of identity theft. My Capital One credit card ( XXXX ) was maliciously accessed by a third party and fraudulent payments were made without me being aware. All of my accounts, including this Capital One credit card have always been paid on time with ZERO lates up until the fraud occurred. Sometime on XXXX 2017, I received a notification from my credit monitoring system that one account is reporting a 30 day late. After further investigation, I found out the account in question was a Capital One credit card ( XXXX ). The fraudulent payments led to my account closure by Capital One. I contacted Capital One at least 7 to 8 times and each time I was given conflicting statements. Some representatives claim a request was put in with the bureaus to get the 30-day late mark removed and some others say it 's not possible to get it removed. 6 months later, it is still showing a 30 day late due to fraud. I submitted disputes with all 3 bureaus to non-avail. Please find a police report attached and kindly remove the 30-day late mark from my report. I was not the one that initiated the fraudulent payments. I corrected the situation as soon as I could and the account is now paid off in full. I appreciate your help and cooperation in this matter. I have been a loyal Capital One customer since I was XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Student loan (Federal student loan servicing) with Core Recoveries, LLC (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 'm being harassed by an unknown department of education collector company, I am behind on my student loan for financial reasons in the past and am wanting to pay it back somehow, I 'm getting half of my check taking for back child support. Anyway, the number calling me is XXXX. I 've asked them to not call me in between XXXX - XXXX pacific due to the fact I am working in a law firm office setting and they have deliberately failed to do so and keep interrupting my work causing me to loose valuable time and inteferring with our law firm. I 've asked several times which is apparently recorded on thier system for proof of company by sending me info via email or post office. They have refused and now threatening to take money out of my check after I already agreed to pay a monthly payment as long as they prove who they are. The repeatedly ask for my credit card information and refuse to provide proof of what company they are or represent. They claim to be " Core Recoveries, LLC XXXX XXXX, KY phone number XXXX/Fax XXXX They emailed me once but the email was from some form of docusign with an attachement of this company. I think these guys are fraudulent and are stealing credit card information because of the fact the number that calls me is XXXX and the email they sent me is from " XXXXXXXXXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: XX/XX/XXXX / XX/XX/XXXX, I had XXXX Bank of America ( B of A ) credit cards. They were used in a Fraud. I filed a police report and I notified B of A, But B of A, did not remove the cards from my Credit History. So I complained to their fraud office, and to the local bank branch manager many times. I also talked to their Area Manager, in XXXX Ca./ XXXX XXXX XXXX , and he was trying to help me, but could not. They finally removed the bad information for a short time in XXXX XXXX, but put it back on again in XXXX XXXX. I have called and complained to many employees at many offices of B of A ; I have lost the house I was buying last month, because I could not get approved by the lenders. B of A / 1 : Charged off the debts in XX/XX/XXXX, / 2 : Cancelled the debts in XX/XX/XXXX, and sent me and the IRS a XXXX in XX/XX/XXXX, on which I paid Taxes. But they still would not remove the bad credit from my file. Recently, they even show the XXXX debts as a collectable, and now in the most recent credit report, they are showing that I making payments, which of course is not true. ( Which adds to my overall monthly debt ) I was told by the B of A employees, that according to IRS rules, ; B of A, can not collect after they send the IRS a XXXX. Please note that information is too old, and that it should be also removed under the Statute of Limitations Act, which in California is two years only not 10 years. Please help me with this situation that is keeping me totally sleepless and for which my family is suffering greatly. Thank You.

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 05/22/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Making/receiving payments, sending money

Complaint: I have a joint youth checking account with my son. He was a victim of a scam. He was approached via XXXX by someone asking if he would like to make money. He sent them his debit card. The scammers then deposited a counterfeit check into his account and went on a shopping spree. The bank now states that we owe them $ XXXX. I do not feel that we should be held liable for the amount owed because we were victims of the scam. At no time during the history of the account has a deposit that larger ever been made, as well it was common for the bank to hold his actual deposits before releasing funds. I believe the bank should have noticed the large deposit and at the very least verified the check before releasing the funds. The counterfeit check was drawn on an account from the same bank. It was deposited in a state that has never bee associated with the account and all the charges were made in a state where the account had never been used. I also have an account with this bank and they have called me before when I was traveling to verify transactions. Why this was not done I can not say. My son is young and fell for a scam. He has learned his lesson but should not be held liable for the criminal activity of others. 

I have included the last XXXX bank statements showing that this activity is completely out of the ordinary for this account. This account has never had a returned item, or a deposit over {$500.00}. The activity should have drawn a red flag as soon as the deposit was made. The fraudulent deposit was drawn on another customer from the same bank in the amount of $ XXXX. I would think the bank would not only verify the check with these customers, but also verify the deposit with us before releasing funds. 

The loss is a result of the bank not having the proper security measures in place and or active. It is not a result of our negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Care credit claims I owe {$1500.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have requested competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. They stated I have made payments towards this account. I've ask them to send me a copy of the account payments where taken from. Whom the payments where being made from. They said they verified and confirmed my identity over the phone but if I am being threaten or scared into a debt, I am not sure what other information they could have received from me. I am requesting documentations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: I lost my job in XX/XX/XXXX. I was going thru a separation, but managed to make my full payments until about XX/XX/XXXX. I worked with Wells Fargo and got a forbearance and made my payments on time for a year when the forbearance was up. At that time some of my circumstances had changed, so I worked with Wells Fargo again to try to enter into a modification.
The separation from my husband is critical because though he had n't lived in the house since XX/XX/XXXX, his income, as well as his rent were still being considered as part of the " family income ''. When I tried to modify the loan in XX/XX/XXXX, he became unemployed. Wells Fargo determined circumstances had n't changed enough to enter modification.
I continued to talk to Wells Fargo throughout the summer. I let them know in XX/XX/XXXX that I had received a full time job offer, and I also had a renter and a rental agreement. Wells Fargo advised me that my separated husband and his income, and rent would still be considered. They advised me that I needed a quit claim deed.
So, for the past 2 months, I have been sending Wells Fargo document after document.
They have : An offer letter from my employer ; 1 months worth of check stubs from my full time job ( XXXX/year ), XXXX work ( XXXXyear ), rent received ( XXXX year ) child support ( XXXXyear ) ; Rental agreement ; Separation agreement with the amount of child support ( court sealed ) quit claim deed putting the house in my name ( court sealed ) Partial Property settlement awarding me the house, signed by my husband and me, as well as notarized. ( Not court sealed as it is not required to be by MD law. ) 2 pieces of documentation proving residence of the renter.
The one sticking point is that the partial property settlement is not court sealed.
We are proceeding with the divorce, it should be uncontested.

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 02-06-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: In 2010 I applied for a loan modification. During the 'trial ' period I was given a payment amount to make and I paid each and every payment on time and complete as agreed until the modification was approved on XXXX/XXXX/2010. I have recently discovered that Bank of America has been reporting me as having late payments and this has had a negative effect on my credit score, dragging it down, according to my current servicer, to XXXX. I never made a single payment late nor did I pay a late charge. I recently disputed this through XXXX of the credit reporting services but Bank of America has refused to correct it. At the time I applied for the modification I was told that it would not effect my credit as long as I made the required payments. In checking the .gov relative to the modification I found that BOA was not supposed to have reported me as delinquent. I would like for you to handle this before I need an attorney. I believe that I am not the only victim of BOA in this and BOA should be investigated for this practice.

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 10-02-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: Seterus has an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. 
However they ask for insurance once a year, and after receiving the insurance policy as proof, they still continue to send letters asking for the same info. 
After the 2nd letter they start charging you for their insurance. 
This insurance company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
If you call you are sent to a call center, and are told they have no knowledge of your account. 
We regret purchasing a loan from XXXX XXXX XXXX who sold it to XXXX, who sold it to Seterus, which is actually a collection agency. 
Our loan number is XXXX. 
Thank You 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 08/18/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a XXXX inquiry with Equifax several times including a clearance letter from XXXX and they still will not remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Most of the the securely question about my last credit history cant not be answered bc I have nevered applied or had a home mortgage in my life. And to answer how much is my mortgage a month I do n't know the answer bc I never had or applied for a mortgage in my life. I was looking through my Experian credit report on my phone a min ago and before the site crashed Ive seen XXXX CREDITED CHECK 5 TIMES ON XXXX. Half of this must be fraud bc the only time I step foot in a XXXX store was a few weeks ago just to browsed. please I have to this issue resolved bc this is fraud.

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 03-10-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX 2015 I called Equifax in regards to my dispute results I received. I spoke to a customer service representative in regards to the outcome of my dispute regarding errors in delinquencies on my student loan accounts. Equifax did nothing to fix the issue, only verifying the debt as belonging to me. I submitted documentation to support my dispute. I was told by the Equifax representative that she was unable to read the documentation I submitted supporting my dispute when I was on the phone. I was given no correspondence that the documentation was unacceptable or they had an issues previous to our phone call. The documentation I provided supported that errors existed on my report. Equifax has an obligation to fix these errors, no just verify my debt. I know it belongs to me but there are errors I need fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Transaction issue

Complaint: A payment was issue or authorized by myself, to be payed on XX/XX/2017, for XXXX dollars for a credit card payment to XXXX. Another advanced payment was authorized by myself on XX/XX/2017 to pay Citizens Bank Credit Card XXXX dollars. 
Citizens Bank took the XXXX dollar payment and payed themselves " citizens credit card '' on XX/XX/2017 and then failed to pay XXXX which then caused a " late-payment fee '' because of the delay. 
I have no trust in the Citizens bank because this is the second time this has happened and caused me fee 's. 
I need for the commission to investigate and catalog these actions by Citizens Bank because they have no remorse for their mistakes.

Company response to consumer: Closed with explanation