milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: When a corporation, bank or any institute checks on a credit rating, and then denies one because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past XXXX years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. XXXX XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from Portfolio Recovery for a debt by someone with the same name as mine. I keep informing them that I 'm not the person they 're looking for. I even gave them the last XXXX digits of my SSN, which of course, did n't match the person that they 're looking for, but they still continue to call everyday. The number they 're calling from is usually different every time but the caller ID shows that the calls are from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Well on  XXXX / XXXX /2017 I made a payment arrangement from the bank of America bank on   XXXX   XXXX   Florida to pay my rent by automatic payment. has never been taken out of my account resulting in late fees from my landlord. Been lied to as first agent on  XXXX / XXXX /2017 says that it is there but its to early will be paid. then the second agent says its being paid today. then the third agent says she does not even see it but even have a letter from bank verifying it was done. Am very upset and not happy at all. This is totally uncalled for and get different story. And I have written proof it was done. Now they are saying they do not even see it at all being done but yet the first two agents said it was showing on my account. this is very unacceptable causing me more money. From the bank incompentace.

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 04/18/2015 about Debt collection (Medical) with Quality Recovery Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector claims we owe this bill. They say it was from a provider that almost XXXX me during a XXXX. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NM).
Issue: Shopping for a loan or lease

Complaint: I was sold a car that I was told I could afford. I was told my monthly payments would be {$300.00} a month and now I pay {$100.00} over what I was promised. I wanted a simple car and was sold a car that has so many features that I do n't know what they are for or do. I am not educated and I am older so I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease

Complaint: I have opened numerous complaints with Wells Fargo for the following : - The did not post a payment in a timely manner - Their IVR system indicates that you can pay off a balance over the phone but you can not - The IVR system leads one to believe that you can make several payments in the same day using e IVR but you can not. 
- I called in and asked for an local office and I was given a fax number - Called back and received a number to a Wells Fargo office where I was grilled by the male as to whether I had and account or not when I simple asked if there was physical office in XXXX Ohio - I filed a complaint and hey said they would be in touch via phone but they did not they sent a letter that I was PIF then another letter saying I was still owing money - I called to address my original complaint and asked to have a copy of what was submitted and I was advised that I had to get a court order for the complaint that I submitted! I was denied a copy of the complaint that I opened, does n't seem legal or transparent or right. 
- I filed a complaint about not getting my original complaint copy XXXX and asked for a copy of my loan ageement stating that the same interest daily rate would be charged even even if I was paid 'ahead ' as it sees that as the principle / balance goes down the amount of daily interest should go down as well. 
-Part of original complaint was that the IVR did not advise of fee for making a phone payment nor did he rep who attmepted to take a payment over the phone but the next time I tried making a phone ayment the systemd tried o chage me without prior notice. 
- Filed another complaint XXXX because in order to get to a person you have to excessively listen to the recording and press buttons to try to reach someone once into the IVR - Filed another complaint XXXX because XXXX the supervisor told me that manger calls calls are not recorded so In essence a manager can tell a customer anything then deny it later which seems inappropriate as the phone workers are all recorded why not the mangers calls? 
- Filed a complaint XXXX because not everything in my original complaint was address. Have no clue as to what the person wrote down, if anything else deceptive business practice. 
- Complaint XXXX for sending a letter stating PIF then confusing me by sending another letter stating it was not PIF ... especially since it was dated the very next day! No check and balance. 
At this time I am leaning toward seeking an XXXX advice ( for class action ) on the misleading static daily interest fee, a rep hanging up on me, not advising that MY complaint copy would not be given to me without court order, supervisor calls not being recorded but worker calls are recorded, mis-leading IVR information, mis-leading IVR payment fees, and be given false information regarding local office 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 04-07-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX XXXX XXXX , XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I learned about the Equifax security breach and went on their web site and entered my information. it says i am one of the millions whose information was involved. it then asked if i would like free credit monitoring services for a year. I said that i would lime that. 
now i am reading that if in fact i end up with financial problems or identity theft due to the breach that i have waived my recourse against equifax merely by agreeing to accept this offered service. 
I believe this is fraud and tbey fraudulently got me to waive my rights to sue re : any future damages or losses by offering a free service.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.

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 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (KY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: This complaint is regarding Care Credit XXXX FL. 
In XX/XX/XXXX my son had XXXX XXXX XXXX and this credit card was recommended, interest free. The Initial Fee was {$4900.00} for the XXXX. After either a year or 2 years, the balance was n't paid off, so they accrued interest back from the original amount and added to our amount due. Interest rate is 26.99 %. From opening date in XX/XX/XXXX thru XX/XX/XXXX I had paid {$8500.00} on this account, still leaving a balance of {$3400.00}. 
I spoke with XXXX XXXX requesting a settlement amount to clear this account ; because I am never going to get them paid off! Her answer to me was " their system did not allow settlements on accounts '' meaning I was stuck with the balance of XXXX XXXX! 
I continued to pay, approximately 700 - 800 more, up to this point. Thus far I have paid approximately {$9200.00} for a {$4900.00} XXXX, and still owe somewhere around {$3000.00}! I totally feel I have more than paid this account in full! However, I have to continue making payments, or they will ruin my credit. This company is taking advantage of customers who need assistance with medical, dental, or eye procedures. They talk the card up, its easy to get, then you are slammed like I am.

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 02-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Equifax failed to abide by Section XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: my mortgage servicer   XXXX   paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from  XXXX  even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized  XXXX  had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse   XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   ) th e money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (VA mortgage) with Ditech Financial LLC (UT).
Issue: Struggling to pay mortgage

Complaint: Im writing to you today hoping you can stop the bank from taking the house that has been in our family for over twenty years. My mother was living in the home when she passed away and left it to me. My brother and I worked hard to pay off the mortgage, but this past year has been difficult. 

Rays struggled with medical issues, being on a fixed income myself, and XXXX  XXXX, I did what I could to make up the difference. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: most of the personal information on my report does not belong to me, addreses..n listed are totally unfamiliar to me my credit report is full of innacuracies to many to list here, please investigated all the addresses listed in my report as the greatt t mayoroty the not belong to me and is afecting my score, thank you for any you can provide. 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 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX my wife called B of A at XXXX XXXX XXXX the lady refused to talk to her since she was not the primary card holder so my wife was irritatated AND TOLD THE LADY TO CANCEL HER CARD IN RETALLIATION THE B OF A EMPLOYEE DECIDED TO TAKE THE LIBERTY AND CANCEL MY CARD UNBEKNOWNS TO ME. I DISCOVERE WHEN I WAS IN XXXX COLORADO AND WAS DENIED CREDIT A RESTAURANT I STILL OWE THEM {$2100.00} minus a recent {$400.00} payment. THINK ABOUT IT WHY WOULD I CANCEL THE XXXX XXXX CARD IF I OWED THEM MONEY? i HAVE HAD THE CARD FOR MANY YEARS AND BEEN A LOYAL CUSTOMER APPARENTLY THEY WANTED TO GET RID OF ME. RECEIVED A LETTER DATED XXXX XXXX XXXX  2017 OFFERING ME NEW TERMS!

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 10/21/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (MI).
Issue: Using a debit or ATM card

Complaint: My RushCard Acct. notified people that they were makingchanges to their System- Which has been harder to understandMy Prepaid Visa Rushcard- has notified Account holders thatthey were making changes to their Online System. It has madeeverything much more difficult to understand and access theAccount- AND I can not figure out what happened to a pendingCharge that was not added back in- after being deducted out? 
PLUS- MY CHECK HAS NOT BEEN DEPOSITED YET INTOMY ACCOUNT? WHICH IS DUE TO BE IN MY ACCOUNT? 
IT IS USUALLY IN THERE BY NOW, AND I AM WONDERINGWHAT HAS HAPPENED AND WHEN IT WILL BE IN THERE? IDO NOT LIKE THEIR " NEW '' SYSTEM and the CHANGES thathave been MADE to the READ-OUT ONLINE -it is much harderto Read and understand it now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Mortgage (Other mortgage) with MOVEMENT MORTGAGE LLC ().
Issue: Settlement process and costs

Complaint: We are currently in process of selling a home. The buyer 's agent and the lender are non-responsive to my agent and staff. We are now 3 weeks past our original close date with no explanation whatsoever. We are also out of contract as of XXXX/XXXX/2016. We will be going to litigation for the buyers escrow as we have no signed extension or cancellation from the buyer. We are currently seeking legal counsel in regards to Movement Mortgage ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and XXXX XXXX ( XXXX-ID XXXX ) with XXXX XXXX. 
As an out of country seller, the conversion rate alone has costed me over {$2000.00} in the last week of losses. The utilities were turned off for the original close date. Our grass is now dead due to lack of water. We have received no correspondence from Movement Mortgage or XXXX XXXX as to what is happening with this transaction. 
Per the realtor contract, we are entitled to the escrow of {$2000.00}. We will be pursuing this as the lender has caused the buyers default of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and found a credit item from the group DIVERSIFIED CONSULTANTS. The debt collections agency claims I owe {$1000.00} as of XXXX 2015 to XXXX. This debt is not mine. Additionally, the agency has not attempted to contact me, that I know of. If I had n't checked my credit report, I never would have known this was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I called the Bank of America customer service phone number two days before a transaction took place explaining that they must lock the transaction I called the bank two days before a transaction took place explaining that they must block the transaction and that It would be an error and the third-party XXXX XXXX XXXX agreed. I even spoke to the supervisor explaining can not let the transaction take place if it was the pass again and usually my count is never over drawn to the success and two days later it was in the amount of at least {$470.00}. It 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did not agree to which has caused me receiving more late it 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did fees returned items. Their business practices are unscrupulous and they do not explain anything fully before they do it and they are committing fraud. They are not telling me XXXX on the online website XXXX my mobile app in my account balance will not cover certain transactions until after they post the returned item Fees. They are charging me repeated excessive {$35.00} each

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit card () with DISCOVER BANK (MA).
Issue: Closing/Cancelling account

Complaint: I got an email from Discover Card that said my credit line increased to XXXX ( from I beleive XXXX ), but it also stipulated that my account would canceled if I did n't use the card by XXXX 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a XXXX balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you.

Company response to consumer: Closed with explanation