milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXXXXXX XXXX  is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!

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 05/15/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Struggling to pay mortgage

Complaint: Trying to do a short sale on property located at   XXXX   XXXX   XXXX   XXXX   XXXX   NY  XXXX   XXXX  is in  XXXX  condition. Valued at  XXXX .     Bank is asking  XXXX  based on a appraisal done prior to my short sale submission.   When I asked the bank for a copy of their appraisal I was refused. I was told that that was the value and I would have to take their word.   They also told me at a later date that even if their appraisal comes in at a value they do not like they have people that have never looked at the property makings fair market value desicion from behind a desk without even looking ant the property.     I faxed the banks attorney at at   XXXX   XXXX   XXXX   requesting the appraisal and was denied. I believe that they real have no interest in Helping us avoid foreclosure and that they are tolling our account at a high interest rate 8 % .so they can as the servicer use my home as a cash register for their benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other

Complaint: Bank of America 's website layout and wording to set up automatic payment to pay your credit card account minimum payment is confusing, cryptic, problematic, and somewhat deceptive! 
I signed up for what I thought was Bank of America automatic recurring payments option in XXXX XXXX that would pay the minimum amount due on my account each month. I set the minimum payment of {$25.00} to be paid on the second day of each month. In addition to this minimum payment that was being made automatically, I would also make additional payments during the month. In XXXX XXXX, my minimum payment due was {$89.00} and not {$25.00} that the automatic recurring payment option was set for. For the first time since I had open my account I had not made any additional payments during the month. This caused my account to show a partial payment of {$25.00}. Since I had also signed up to receive paperless statements on XXXX XXXX, XXXX, I did not discover this mistake until XXXX XXXX after I logged into my account and saw a 30 days past due notice. I immediately made an online payment to bring my account current and then called and spoke to a customer service representative about what had happened and made another payment for the same amount with the customer service representative. The problem with Bank Of America website payment option is that consumers have to select the e-bill option to enable the E-bill feature that allows the monthly minimum payment based on the account balance for that month to be paid in addition to ( not instead of the recurring payment ). Unfortunately, it is not easily apparent or accessible for consumers to do so which makes confusing, cryptic, problematic, and somewhat deceptive! As a result, consumers like me who use credit card company automatic recurring payments have inadvertently sign up for the WRONG automatic recurring payment option on BOA website. This caused my BOA to go delinquent, assessed a late fee, and more importantly has devastated my otherwise good credit. My score dropped by XXXX points and my credit limit dropped by {$15000.00}. My lifelong dream of XXXX day owning my own home now seems like just a dream! 
My complaint is not an isolated and rare event. There are many more consumers who have had similar experiences with BOA website payment options.

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 04-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with MoneyLion Inc. (CA).
Issue: Problem when making payments

Complaint: They ran an add on XXXX about loans to help people start to improve their credit. In fact it seems they are out to extort me.they said that give me a {$500.00} loan with a low interest rate, payments of {$42.00} q month. In the coarse of doing that They coerce me into money lion plus club as part of a way to get help. Now they have tacked on a {$79.00} payment This I can't afford I told this, and drop this so call {$79.00} service They then told the only way I could was to pay off loan in full. I can't do that This could end up leading me into BK.I 'm XXXX years old. to old to recover from this

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
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IN).
Issue: Trouble during payment process

Complaint: The issue I have been dealing with involves my escrow account and what I am paying into it. I have been paying into this account since  XX/XX/XXXX . When I took on my mortgage I had to file homestead and mortgage exemption ; once property taxes where due in  XX/XX/XXXX  the amount due was adjusted.  XX/XX/XXXX  Taxes have been paid and I have well over the amount in my escrow to pay HOI premium and  XX/XX/XXXX  taxes. My mortgage company will not re-adjust the amount I owe each month to put into my escrow account. Now they plan on taking over {$1300.00} of my money and holding in an account that will not be used for anything. Taking and holding the money until the end of the year, then producing a refund is counter-productive. I totally understand taking out the appropriate amount each month for  XX/XX/XXXX  taxes and HOI bills, but the amount that is being taken out now is excessive. I feel that my rights and finances are being taken advantage of. I have attached my most recent mortgage statement with the date  XX/XX/XXXX  Taxes were paid and current escrow balance ( that covers HOI and  XX/XX/XXXX   tax bill ) , my HOI  XX/XX/XXXX  page with the amount of my yearly premium, and my State Tax bill that has  XX/XX/XXXX  (  spring  ) and  XX/XX/XXXX   (   fall  ) amounts listed.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Bank of America ( FIA Card Servies ) continues to report two obsolete credit card accounts. The Bank of America ( XXXX XXXX ) credit card is account number XXXX**** and Bank of America Credit Card ( mastercard ) XXXX****. <P/>Both of these Bank of America accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX )  and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with Bank of America with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. Bank of America has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my 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 explanation
Consumer complaint received 10/16/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America failed to notify me in a timely manner that they sold my loan to another company. Bank of America sent me a letter dated XXXX XXXX, 2015 that the servicing of my home loan will transfer. The letter was not postmarked and did not arrive until within 10 days of the XXXX XXXX transfer date. Did Bank of America backdate the letter? Why was my notice not delivered to me with at least 15 days. Was there a delay between printing of the letter and mailing of the letter? If the letter was mailed on XXXX XXXX from XXXX XXXX, XXXX to XXXX and took three business days I would not have received the letter until the earliest date XXXX XXXX. Is n't Bank of America required to notify me at least 15 days in advance. That did not happen!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a collection on my credit report, I disputed it and was given a code that said : Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute. 
Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. 
Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items XXXX Account Number : XXXX Outcome : Updated meaning the only update that was done is that i paid it, It should not be on there to start with, I moved 2 years ago and they sent all the bills from the emergency room to my current address but this one, it was sent to my old address, as soon as i saw the negative on my credit, i called them and paid it, They told me the bills were sent to my old address, As you probably know, when you go to the emergency room you get many different bills, If i do not receive it I ca n't pay it.If you look at my credit history you can see I 'm never late and pay all my bills, XXXX requesting for this to be removed and all i get is that it was updated because i paid it. Thank you for all of your help. : } I do not have any supporting documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Stellar Recovery, Inc. reported a collections account to the XXXX credit bureaus in XX/XX/XXXX, identifying XXXX as the original creditor. When I called Stellar for information on the debt, I was told it was a debt from XX/XX/XXXX in the amount of {$440.00} and previously had a high balance of {$520.00}. I then called XXXX and spoke to XXXX other people, XXXX claiming I owed {$27.00} and another claiming I owed {$720.00}. This is a debt from 5 years ago, and XXXX never contacted me saying that I owed anything! I ca n't verify if the debt is valid because the companies tell me different amounts. I was in the process of purchasing a house when this was reported on my credit and I lost the sale and the pre-approval from my lender. The collection agency is completely misrepresenting my current position as a borrower by reporting the debt as new in XX/XX/XXXX, yet saying telling me the account became delinquent in XX/XX/XXXX. To top it all off, my wife just had a false collections account reported by Stellar Recovery removed from her account. How can they be allowed to do this to people?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with JPMORGAN CHASE & CO. (NH).
Issue: Unsolicited issuance of credit card

Complaint: I just received an Amazon.com Rewards credit card from Chase bank with my name on it without ever applying, authorizing or in any form requesting this account from anyone. 

I called the number in the back of that credit card and asked them to cancel it and they argue that they can only temporarily cancelled. 

I have other account with Chase and also an account with amazon.com so I am suspecting that any of this two companies might have taken my personal information from such accounts to created this new credit card account. This situation seems to me an obvious fraud that a financial institution or a public company take our personal information and create accounts without the customer 's consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around XXXX ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple  credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.

Company response to consumer: Untimely response
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Went court frederick hanna asociates got a judgenent consent for XXXX claiming to reprinting XXXX I never sen any documentation in court even though asked for documentation asked for settle for less would not and only can afford XXXX a month but charged XXXX my income is to low to pay this and never seen any documentation in court should have owed less never seen a signed contract from their attorney where I owed the debt I had been paying XXXX in the past now charg me XXXX. Though it wa violation to be paying before trial and all proof documents where in court have payed hanna over XXXX in past and do not owe the stated ampunt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After reviewing my credit report I sent debt validation letter to this company ( Hunter Warfield ) they in turned sent me a bill for charges that should not be included in any statement balances claimed to be owed. The apartment received First and last month and all bills were paid until move out date. Notice was given and keys returned to XXXX upon move out. When asked for more details on how these charges were incurred I received no response. Ive sent out a second set of letter and have tried to have this deleted from my credit file and the company keeps saying verified but that is not true.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX never sent me anything stating i had a collection. They are reporting the same acct twice. I have had this acct taken off one already as I do not owe it. Hospital was given XXXX info as well as a letter stating i was XXXX and i was told everything was fine. Then three years later it shows up on credit. Had it taken off now 5 years later it is back on twice!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Struggling to pay mortgage

Complaint: I am filing a compliant on Wells Fargo for their deceptive, abusive and unfair loss mitigation practices. I have attached a formal complete for your review. I pray that Wells Fargo is made to do the right thing by granting me a loan modification.

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
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My wife XXXX XXXX XXXX sold, closed and funded a home which we previously owned at XXXX XXXX XXXX, XXXX, Texas XXXX. The home had been financed by Seterus Mortgage, loan number XXXX, and the loan was paid in full on that date and all proceeds paid over to us over and above the sale price to the new owners. From XXXX XXXX, XXXX to today 's date, XXXX XXXX, XXXX, Seterus has not removed the item from our credit report, showing paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 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 contacted these companies on several different attempts to remove the inaccurate accounts thats is reported negatively on my credit file. I am not aware of the accounts. I have contacted the credit bureau about these accounts as well. The accounts are as follow : XXXX XXXX, 11 accounts with federal loans totaling XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.all these accounts are inaccurate reported

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last  name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up

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 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not recall this debt, please verify. Also, please verify statue of limitations and cease negative reporting to credit bureau.

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 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made a purchase from XXXX XXXX XXXX using my Capital One credit card on XXXX XXXX XXXX. Transaction details as below : Merchant : " XXXX XXXX XXXX '' XXXX : GBP XXXX ( or {$33.00} XXXX. 
Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time ) The above transaction was deemed a XXXX XXXX without my knowledge or consent, and I was subsequently charged {$10.00} fee on XXXX XXXX. I reached out to the merchant XXXX XXXX XXXX XXXX on XXXX XXXX via phone ( and email ) and they confirmed that the transaction was a credit transaction to the best of their knowledge, and Card company should not have charged a Cash Fees. 

I followed up with Capital One ( Card Issuer ) on XXXX XXXX and XXXX XXXX ( over phone ) and was told that they are helpless as the transaction was a wire transaction made in Cash.

Company response to consumer: Closed with explanation