milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I voluntarily closed this account effective XX/XX/XXXX, when the loan was not in default, there was no loan delinquency, and no payments were due. M T Bank received my Notice of Rescission on XX/XX/XXXX,  and has failed to report to the reporting agencies my voluntary closure of the account. M & T Bank is in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 4 ), 1681s-2 ( a ) ( 2 ) Duty to provide notice of closed accounts and Duty to correct and update information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report

Complaint: We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a local call today from Source Receivables Management ( Source RM ). The caller brought up information regarding a debt from XXXX XXXX XXXX. I had no knowledge of this debt and the caller requested that I make a payment today. There has been no verification of this debt nor have I received any documentation from the company by mail. After conducting personal research I realized that this company is trying to re-age a debt that has ran the statute of limitations. This debt has been removed from my credit report as of XXXX/XXXX/2014. I am filing this complaint due to unscrupulous business practices and lack of ethics. No action can be taken on this debt and I need the phone calls to cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: This complaint is against Trans union and not getting proper customer service. I wanted assistance with removing old student loan account which no longer belonged to me on the account they were all sold and the statue of limitations has passed. I was told by a rep. that the 7 year limitations did not apply to the items listed on my credit report. I asked could i speak with a manager. After I was connected to a manager I explained the issue and he hung up in my face.
I only ever had 2 student loans. The loans are showing 4 times. They have also been sold a few times and no longer belong to me under the account names nor do I have any agreement with any lender. I would simply like them removed.
I have attached the accounts and the tenure of the allotment by Trans Union to stay on my credit report over the 7 year limitations.
I also had to call a different number for Trans Union that was not listed on the website but given to me a by rep. I felt uneasy and not sure if i would become a victim of identity theft.
XXXX I am requesting the items removed : XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 8 yrs, 4 mos ) + {$0.00} Closed XXXX Closed :XX/XX/XXXX XX/XX/XXXX( 8 yrs, 4 mos ) + {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos ) + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos )

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 02-04-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Credit card information was stolen, a fraudulent card was issued and subsequently used to make multiple fraudulent XXXX XXXX purchases. After reporting the fraud to Bank of America credit card co. I was told that the merchant had to be contacted and the original card number needed to be deleted from XXXX database. The BOA rep was going to connect to XXXX with me on the phone and dropped the call, no return call even though they had my contact info. So I called again, this time the phone agent told me their call volume was too high and she would not be able to make the outbound call and I would have to make the call myself even though she knew that she needed to be on the phone with XXXX. Also shared that it did n't matter how many times BOA reissued a new card number, because red box subscribes to " XXXX Account Updater '' software that fraudulent transactions would be automatically be fowarded to any new accounts on file. 
These are terrible processes to put a victim of fraud through. Apparently BOA and XXXX XXXX do not have processes in place to stop the fraud even after it 's been officially 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 monetary relief
Consumer complaint received 05-01-2015 about Student loan (Non-federal student loan) with Genesis Lending (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Started school in XXXX XX/XX/XXXX and my College, XXXX XXXX in XXXX, had me secure a private loan from Genesis Lending. I have been paying on this loan since the day I started school. I received a letter a few months ago in regards to XXXX being bought out by XXXX XXXX. It stated that part of the purchase aggreement was that these private loans that XXXX had through Genesis would be reduced or forgiven. I have spoken with Genesis several times to find out the status of my loan and have been told that they are still going through the loans and will contact me when they have more info. I called Genesis on XXXX/XXXX/XX/XX/XXXX after not hearing from them and I was informed that my loan did not qualify for a reduction/foregiveness as it was sold to XXXX at some point. They could not tell me who XXXX was or when my loan was sold. I have XXXX loans with Genesis Lending. The account numbers are # XXXX and # XXXX. I would like any help in finding out why after the XXXX XXXX XXXX fining this school and the agreement by the purchasing company why my loan is still has not been addressed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As far back as XXXX/XXXX/XXXX, I furnished collection agency Hunter Warfield with proof I was paying this debt to the original creditor via a wage garnishment order. I recently learned this company is still reporting the full amount of the debt as outstanding. Last month, I mailed them a copy of the court document Acknowledgment of Satisfaction of Debt filed on XXXX/XXXX/XXXX by the original creditor showing the debt has been fully satisfied. They again mailed me a form letter, ignoring my documents submitted and listing the full debt as still outstanding and fully due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Constant phone harassment, late/and or dozens of calls in same day. Constant machine dialing our number and hanging up when answered, sometimes within XXXX seconds of another. Most often these calls happen every XXXX minutes and with my husband being XXXX and I have been ill for about XXXX months it gets hard to get up and answer. This has affected calls from others due to not having the call thru feature they get busy signals. They Ignore requests to stop calling. ABUSIVE conduct for an ILLEGAL OUTDATED DEBT from approx XXXX. Calls placed to another phone that is charged per call and still refuse requests to stop abusive communications. The company calls from a phone number until I find out what is is and block the number, The company then calls from a new phone number until I block that XXXX, this goes on and I now am estimating the I have XXXX or more different phone numbers for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX, I requested an interest rate reduction from the credit card company for the 2 credit cards I have from Capital One.They put me on hold said no and I asked for a supervisor. I then was told no again and I had to do a few things in order to request an interest rate reduction successfully. 1. Continue to pay on time, 2. pay more than the minimum amount due, 3. Reduce my overall debt with both cards and 4. Increase my credit score ( XXXX XXXX XXXX ). The supervisor apologized because she saw my loyalty, on time payments and offered me a {$50.00} credit on one of my cards. This can been seen on my statement. 

I then did as was recommended, called back Monday, XX/XX/XXXX and told the cust service rep the situation she transferred me to a supervisor, she said they do n't do that and we got " disconnected ' or what seemed a hang up to me. I called again did the same procedure this sime spoke to another supervisor she also said no and they would not have told me to do the above instructions of give a credit. I told her to check the statement and she said " it does n't matter whether it 's true, we do n't do that ''. And they only offer interest reduction occasionally as offers and I have to keep checking. So basically, never. I checked online and saw many others had the same issue. I feel lied to and mistreated by them. I want the interest rate reduced and of course an apology for misinformation and being hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with Hirshberg Acceptance Corporation (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: To whom it may concern I have been in contact with a debt collector that works out of the office of XXXX. 
Address : XXXX, XXXX, MI XXXX. 
They claimed that they had sent notices about the credit card debt but I never received any information from then until I had been informed from mine and my wifes bank that our savings account was being garnished. After I contacted the company I received a letter from them. I sent them the information they requested and a letter of debt validation ( certified mail ) on XX/XX/2016. I called them today XX/XX/2016 and they are refusing to send me any information about the debt they claim I owe. From the research I have done they are breaking the law under the ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... .... I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.

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 08-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for allloss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have  been advised the loan does not qualify for a loan modification due to the income submitting showing the ability to afford the payment as it is on the loan - the lender has advised that the investor - ( XXXX XXXX ) will only allow a review for an in-house loan modification. The clients income that was submitted shows a total of {$XXXX} - Pension income of {$XXXX} / SSI of {$XXXX} and {$XXXX} - The current payment of the loan is roughly {$940.00} or higher - due to the clients hardship - ( loss of income ) - The expenses stated in the review are {$2800.00} - and the lender feels this is ok and the payment is affordable - we feel this review was not handled properly nor where all factors taken into consideration.

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 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: After receiving numerous solicitations from American Express to re-open my Platinum Delta Skymiles credit card, I finally decided to submit an application so I could receive the offer they were promoting. This offer was for XXXX delta miles and XXXX XXXX if I spent a minimum amount within the first 4 months ( as well as a {$100.00} stmt credit ). I called to confirm the offer and was told that I qualified since I had n't had this card in the last 12 months ( I had one previously but it had been 3+ yrs ). 

I met the qualified spend in the XXXX timeframe. It seemed to be taking a while to receive my points so I called to ask where they were. I was informed it takes a couple months so call back later. Since then I have called a few more times. They kept telling me to be patient and they would be posting any day now. 

On XXXX XXXX, XXXX ( today ), I called and was informed I have not received my points because I do not qualify for them. In addition to being misled by the marketing material I received, I was misinformed by all of the Amex CSRs. I was also charged the {$190.00} annual fee and have essentially received nothing for this when promised an intro offer. 

I escalated this complaint to 3 levels of managers at Amex and the only goodwill gesture they could make was XXXX miles which is insulting. I have hurt by credit score by opening another card and paid an annual fee and they can do nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX still shows a balance of XXXX on my credit thats really affecting my credit. the date showing that it was open XXXX XXXX-2017 i even fix my credit in the past so for no reason it should be showing. But it even show charge off Im hoping we can get this resolve so I can see a improvement on my credit because of future purchase that Im planning to make this would help me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Federal student loan) with ECMC Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been battling ID Theft for over 5 years now. The only part that will not resolve are federal student loans that ECMC has been garnishing my wages ( at XXXX point it was 25 % weekly pay ) and seizure of my tax refund. They have not responded to either of the XXXX lawyers that I hired or any other attempts that I have made on my own. I have proof with a police report AND that the loans were signed electronically without my authorization ( also includes a false address on the signature page ) but ECMC will not review anything to do with my case since it is easier to take the money from me. I am a single parent and the only financial support for myself and my child and as a result of ECMC refusing to cooperate, I am in extreme financial hardship. I want this ID Theft with the student loans to go away and all of the money that ECMC has garnished over the past 5 years to be returned to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.

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 11/13/2015 about Mortgage (VA mortgage) with Residential Credit Solutions, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time. 

Also this is a VA loan and the VA has never tried to help us or counsel us!

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX I initiated an in-app purchase for {$24.00} in the XXXX XXXX  app. Because I have an XXXX device, the payment transaction was done the XXXX XXXX XXXX and {$24.00} was immediately deducted from my XXXX XXXX account. Instead of immediately receiving my in-app purchase, XXXX XXXX displayed an error message about a fatal error and directed me to restart the app to collect my purchase. 
When I still had not received my purchase after several restarts and reinstalling the app, I used the XXXX XXXX XXXX 's on-line " report '' process to request a refund. In response, Google refused to issue a refund because their refund policy did not authorize refunds for my issue - not receiving my purchase. 
Unhappy with the automated response, I requested a call from the XXXX XXXX XXXX to resolve the issue. After spending several minutes on hold waiting for the representative to further investigate the issue, I was told the delay was caused by a glitch and that 24 hours after the transaction either I would have my purchase or a refund. 
When 24 hours passed without receiving my purchase or refund, I again spoke with a XXXX XXXX XXXX representative by phone. Despite requiring XXXX users to make payments through the XXXX XXXX XXXX, This 36 minute phone call consisted of the rep telling me that Google could not issue a refund and that I needed to talk to the developer. When I objected because XXXX XXXX is an agent for the developer and asked to speak to someone with authority, I was told there was no person available. 

1 order ( s ) not refunded for a total of USDXXXX XXXX Gold ( XXXX XXXX ), USDXXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : Case ID [ 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