milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (PR).
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: Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Account opening, closing, or management

Complaint: I went to open an account at Bank of America and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Bank of America 's " risk department '' they stated that I had previously had a Bank of America account and it had been closed, I informed them I had NOT had a Bank of America account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Bank of America because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a credit alert in regards to my credit report that Amsher Collections is trying to collect a debt for XXXX. I contacted Asmher Collections, they advised that the account is not at there office put they are the one reporting the account to the credit bureaus. I advised Amsher that I was unaware of the debt and asked them how they got my person information and they referred me to someone at XXXX. I advised that I would contact my XXXX if they do n't remove the account, the representative hung the phone and would no longer speak with 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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but XXXX XXXX XXXX, but the account was closed per XXXX before because of XXXX allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!

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 10-06-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I closed my capital one account on XX/XX/XXXX. I was told by them that I had to bring my account to date to use my miles. I paid the {$100.00}. I then paid the amount they gave me that would XXXX out my account as of the end of that day. I paid {$1600.00} and I was told by capital one that my air miles had a cash value of {$280.00}. That brought my account to XXXX. I asked them on a recorded line to not allow any more charges on my account as that account was now closed. Everyone agrees at this point it would have been a XXXX balance. They allowed charges after XX/XX/XXXX. They also reneged on the air miles without ever telling me. I found out in XX/XX/XXXX that the account was never closed. I disputed the charges on XX/XX/XXXX. In XX/XX/XXXX I was told they were going to review the tapes and get back to me. Even though they acknowledge that I told them in XX/XX/XXXXto close the account. The decision did not go favorably for me and I was never notified. What has happened here basically is Capital One has stolen my air miles that they said I could convert back in XX/XX/XXXX. 
I applied for a mortgage the first week of XX/XX/XXXX. I was notified at that time that my credit score was  affected by this Capital One issue. Capital One never contacted me with the result of the dispute. I called them immediately to resolve the issue. I offered to pay the charges and deal with the vendors for a refund- even after I told them not to allow charges and did n't feel I owed them. I felt as though they were extorting from me and using my credit report as leverage. I told them I would not pay for my air miles which was cash that was mine that was not refunded. I told them I would not pay late fees and interest. They were unwilling to work with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Commenity Bank acquired my credit report and no one has any record of it. I did not authorize this Commenity Bank/  XXXX   to pull my information. When I call they have no record of it but its still showing on my credit report. It shows that the inquiry was acquired in  XXXX . I called in  XXXX  and asked to have it removed to no avail and they can not find anything in their records that I even put in the inquiry. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Experian and I requested that the copy block the fraudulent information on my credit report. I got a letter in the mail from Experian that said that if I could confirm my identity in conjuction with providing a theft report to Experian that this is anot optional remedy of identity theft that is afforded to me. The representative that I spoke with stated they do not do any blocking of accounts, she had never heard of such a thing, she further said that it was the creditor 's decision as to whether or not to block the fraud accounts, and that Experian has forwarded my complaint to the company, contingent upon what the company 's response is regarding the fraud accounts, they will adjust the fraudulent information. The representative did confirm to me XX/XX/2017 that they received my police reports, arrest reports, a photo of my social security card, check stub with my current address, my state issued identification card, and driver 's license. I am a victim of Police confirmed identity theft. In XXXX, I sent the police reports with some of the felonious account numbers and an arrest report naming the offenders to Experian by mail. I followed up 3 weeks later and they stated they had no record of the mailed information so I sent the police reports again via fax in XXXX. Experian sent an email to me that the investigation was completed but Experian did not remove or block any of the fraud accounts and/or the identifying information such as multiple addresses for the offenders. Additionally, they show I have a social security number which is not mine. Verification of my signed social security card and number was submitted with the arrest reports and police reports. The erroneous number also has not been removed. My name appears as variations of misomer. I requested these be removed as they are not nor have been used by me and are not legally my name. They have thus since refused to do so to date.

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 08/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nation Star refuses to update on all XXXX credit bureaus. Since XXXX they have not properly reported our on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDMARK FINANCIAL SERVICES (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Paid off loan on XX/XX/XXXX in amount of XXXX was told 110 days to get off credit report, account still shows up on report at XXXX with an update report of XX/XX/XXXX. When called to see why it has n't reported clear yet they give run around as if my problem and not theirs nothing but excuses and hung up on several times

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid off my XXXX XXXX 's consumer loan accounts and XXXX XXXX as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My original principal loan is {$6300.00}. The last statement I received showed that I have made over {$3200.00} in payments, which it show {$1000.00} payed towards interest and {$1100.00} towards the principal. In the same statement they show my current principal is {$5600.00}. I called Navient to try to understand and they said that my principal went up. This math does n't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that Experian immediately update and correct the address listed on the Experian Credit File to read : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to correctly identify me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, BoA uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute on my report XX/XX/2016 and sent in proof that the account was released. This judgement was entered in error and is now preventing me from getting a loan. It has been greater than 14 days and I simply do not have time to continue to send letters when proof has already been sent over.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax said my information is likely to have been stolen. I received this info on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Debt collection (I do not know) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had old water bill accounts from city XXXX ca water department.bac in 2010 I work out I payment plan with bill from the billing department.i paid all old accounts off .and I got a letter from grant mercantile collection agency.telling me I still owed those bills I paid to city XXXX.i told them I have paid these accounts off.and im infect in good standings with them .I also ask they confirm this info with bill give them his info.since then all I keep getting is old bill information I also dispute.it with credt companys.the information they recvied from grant mercantile is wrong and aginst the fair cedit act

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 had recently submitted a dispute with CFPB for Equifax, for a dispute into my credit reporting. As stated before in my previous dispute, I had paid off my XXXX XXXX account, ending on XXXX. The account was previously charged off.profit and loss. I contacted XXXX XXXX, and was offered a settlement amount, but I declined the settlement amount, but I waned to PAY IN FULL and have the account DELETED from my report, as I am trying to purchase a home. My account manager at XXXX informed me that once the account has been paid in full, that I can contact there credit dispute department to have it removed. I have been given the run arounds at trying to get this account removed from my report, even after I have paid it Full, as of XX/XX/XXXX. As I did investigation, I see that I should have got the pay to delete in writing, but it was verbal over the phone. As for the previous dispute with equifax, that simple responded as said that all my personal information as been verified. I was not disputing my personal information. I was disputing the XXXX XXXX item not been REMOVED from my credit report. The status that was updated is " PAID COLLECTIONS '' that was not what I agreed to when I made the arrangement to pay in FULL,. I verbally agreed to have the item removed. Can an investigation been looked into to having this item removed from my report permanently., as I have fulfilled my agreement with XXXX and has PAID this debt in Full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with College Foundation, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've complained about how payments are applied to my student loan serviced by CFI, Inc to no avail. They continue to overcharge on interest. They say they use simple interest calculations, but they are n't. I 'm overpaying in interest every month. Over 50 % of the monthly payment gets applied to interest on a loan with a interest rate of 3.625 %. I 've paid over $ XXXX on a $ XXXX loan, and still have a principal balance of $ XXXX. the $ XXXX paid has been applied as follows : $ XXXX to Interest, {$12.00} to principle. Why does $ XXXX ( original principal ) - $ XXXX ( principal paid ) not equal $ XXXX? Why is my principal balance still $ XXXX. They have mishandled my account for quite sometime. My wife could calculate her CFI payments and interest and determine what her balance would be before she received her statement because it really is math. For some reason, my loan is undeterminable. They do what they want to do with the payments I send in. It should be easy math, but it 's not. They keep pushing my loan due date out despite my request not to, just because I make extra payments. We ca n't get anyone to fix the problem. They should be investigated. There is no telling how many other student borrowers they are overcharging. Educated at XXXX XXXX ( now XXXX university )

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 02/27/2018 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: Hard Inquires on my credit report that shouldn't be there XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 04-10-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This fraudulent account. Someone open account XXXX card.It was remove credit reports now XXXX XXXX sold the account its back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brookshaw Management, LLC (SC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from a private number and a man by the name of XXXX XXXX left a message saying that he had my social and that he would be delivering me some type of mail on Wednesday. He said he had confirmation that I would be free all day Wednesday to receive the mail, which is untrue because I work full-time Monday-Friday. He left a reference number and number to call back, XXXX. So I called the number back and XXXX XXXX answered and took my reference number. He said that XXXX XXXX was the courier. He went on to explain that he is trying to collect a debt from 2013 and that what XXXX would be delivering would be their efforts to take some sort of legal action against me. I asked how much I owed and he told me. Then he said that there was still time to resolve the issues without taking any legal measures. I told him that of course I would want to keep it out of the courts and that I could make a payment XX/XX/XXXX, he said no that is not acceptable. I explained that right now I do n't have any expendable income and he said " Well we are all living paycheck to paycheck ''. He kept using my name in a derogatory manner. I just did not like how he was speaking to me. So I hung up the phone on him. Then I decided to call back to get the name of the company and when I called back he kept using my name to let me know that he knew who I was. I told him that I was happy that he had caller ID and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, Analyst. I had filed a complaint against Nationstar and their lack of a loan modification without reason and imminent foreclosure ( now XX/XX/XXXX ). She had also attached letters from a XXXX XXXX, from XX/XX/XXXX and XX/XX/XXXX. What surprised me was the letters from Nationstar as I have never received any correspondence from them. It stated there were XXXX modification reveiws done in XX/XX/XXXX and XX/XX/XXXX, yet I never received any information from Nationstar and no explanation as to why I have been denied. My main goal is to remain in my home and work out a modification. My address is : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX

Company response to consumer: Closed with explanation