milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I was late on my mortgage payments and decided to sell my property, however I have a XXXX tax lien hold that I have been trying to clear form IRS as a lien hold on my house, NOW that I have finally fixed the issue and have a buyer that will buy my house AS IS, the lender Wells Fargo is NOT being cooperative and taking too long for the process plus they have put me in FORECLOSURE status and NOT willing to extend my DUE date of XXXX XXXX 2016 ... On top of HOLIDAYS!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit reporting agency Equifax is reporting XXXX on my credit report. This is not my account also they refused to give me info on who they spoke to about my account and how they verified my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am single parent with XXXX children, I 'm also the XXXX of a XXXX.My family and i have suffered a great hardship since XX/XX/XXXX, at such time i XXXX and had to have XXXX, while out on sick leave XXXX.This action forced me to become unemployed. Finally the unsubstantiated results came in just last month XX/XX/XXXX. Now my business XXXX number which allows me to XXXX has been terminated, I have no means of supporting myself or my minor child. In order to provide food we receive food stamps, free lunch at school, my son sat out of XXXX to assist us as much as he possible can, not to mention on XX/XX/XXXX. I just underwent another XXXX and on XXXX now trying to re-cooperate. I 'm totally XXXX out, I 've also XXXX. I have been a single parent for the last years and I 've worked very hard to provide for my family not once had i ever image being in a situation as such, and not being able to find some help. I have lost so much, now being face with loosing my home where will my child and i do.

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 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, 2016 I mailed Experian a dispute for a collection account on my credit file. On XXXX XXXX 2016 I received a letter from the collection agency dated XXXX XXXX, 2016 stating they could not verify the account and that they need more time to verify the alleged debt, On XXXX XXXX, 2016 I received a letter from Experian dated XXXX XXXX 2016 shwing that the collection account continues to remain and my credit report after the processing of my dispute. Experian has violated my rights by falsely verifying a collection account and continuing to list it on 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 non-monetary relief
Consumer complaint received 04/14/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: Ten years ago I paid off a home equity line of credit with Bank of America. On XXXX XXXX, XXXX rec 'd a letter from them stating the loan was paid in full and satisfied and that there was no lien against the property so I was good to go. HOWEVER, I am currently scheduled to close on the sale of my house next Wednesday, XXXX and the title search in preparation for closing shows a LIEN on the property for the same line of credit referenced above. I have been calling Bank of America for over a week. Spent and documented at least 450 mins. Evidently it has been escalated somewhere but no one will tell me when/if I can get this satisfaction of payment recorded with the XXXX County Clerk which I NEED BY NEXT WEDNESDAY FOR MY CLOSING. Bank of America has the absolute worst customer service and automated telephone system Everyone pointing to everyone else. I have been hung up on, left on hold and been horribly treated when this is a blatant mistake on their part. 
I

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

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 05-08-2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed an amount legitimately, but Barclays failed to honor my Master Card Dispute. They do this with large purchases. Since, they did not honor my dispute and violated my rights and my Master Card guarantee, I then cancelled my card and paid all the outstanding promotional balance ahead of time. They have been harassing me for over 6 months now. Since I had to change Internet providers I also had to change my email address, so now they ca n't send me emails. They have harassed me with letters, emails and now many daily calls from a number XXXX XXXX XXXX, with the name Unavailable. They call me when I am sleeping, when I am in the bathroom and when I am away, but never leave a message. When I answered the call, I asked for a supervisor. The caller said she would be calling me in 30 minutes but never did. They are totally disturbing my peace and affecting my health. Because, I had XXXX ; thus, my XXXX ; thus, I get worse with this kind of XXXX. I get XXXX XXXX with XXXX, and get XXXX. I have to XXXX several times a day. 
They know I am in the right, because even though they threatened me to send me to the credit bureaus they have not, because they know they do n't have a valid claim and I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have a lot of debt with ca pital one credit  card company and it 's destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have previously made a complaint through you because I am eligible for income redriven plan.Navient had asked me for documents.I have sent all the documents and they sent me a letter stating that I was qualified and they have approved the income redriven plan and I have to start paying XX/XX/XXXX and that I should reapplied every year. Now the time come to start paying the XXXX. They kept sending different amounts XX/XX/XXXX-XXXX $ ,XX/XX/XXXX-XXXX , and XX/XX/XXXX-XXXX $ ,XX/XX/XXXX,XXXX $ ,XX/XX/XXXX {$1100.00} When I call them to tel them I had an income driven plan that I have a letter that was send to me regarding this they said I never had an income driven plan because I had never sent the documents that was requested. They had sent me the letter which I have attached to this file after I send the documents. 
Now they said that I must re-apply and this is the third time they do that. 
I want to start paying my loan. 
I work for the XXXX XXXX XXXX XXXX. This is what I can afford to pay. 
These people kept playing around with me. 
I would like you to help me get this thing cleared out because they are turning me around.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX  XXXX servicing was where all my loans went thru. The first part was while i was attending the XXXX XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Medical) with Med-1 Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX in XXXX, Florida incorrectly charged me a {$40.00} co-pay for XXXX when the co-pay per contract is only supposed to be {$25.00}. I sent the collection agency a copy of my medical insurance card documenting the correct {$25.00} charge as well as calling my medical insurance company that informed me that the XXXX was using the wrong tax payer id number and that is why the charge was incorrectly billed. I have contacted the collection agency numerous times including certified mail but they continue to send me collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I got a letter from Wells Fargo Bank last week. Stating that someone opened an account in my name via online banking. And that this person used Online bill pay long after I closed an account back in 2011. I would like to receive assistance in this matter.

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 10-02-2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My car was involved in an accident and it was declared " Total Loss '' by the insurance company. The insurance company decided not to pay for my car but I never stopped making my monthly payments on time because I did n't want to damage my credit history. I fixed my car with a lot of effort, it took me 8 months. As a result Bank of America reported my account as a " charge off '' and closed it even though I am still making my payments every month. Please I need your help.

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 09/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016, I attempted to open a new Checking Account at Citi. I did the process online. I was unable to meet address verification requirements and send in supporting documentation within the 1 month deadline. I received correspondence stating my account would not be opened if I did not send supporting address documentation. 

During that time, I was still mailed an ATM card and a PIN. I never activated my ATM card. 

The bank did not execute a balance transfer from an account outside of Citi which I had provided as the method for depositing money to open the account. 

I recently checked in a Citi branch and they are stating that my account is " frozen '' but also open. Also, the branch employees were stating that my account had a negative balance due to minimum balance fees. I asked the branch employees to explain why the account was still open and they said they were unable to do so. I asked the branch employees to close the account. They said they were unable to do so. 

I 'm filing a complaint now to initiate closing of the account that I never was able to fully open in the first place.

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 11/18/2015 about Bank account or service (Other bank product/service) with Ditech Financial LLC (CT).
Issue: Making/receiving payments, sending money

Complaint: Ditech Mortgage held my personal mortgage check ( mailed out the end of XXXX, 2015, for the XXXX XXXX, 2015 mortgage payment ). On XXXX/XXXX/15, when I called and they were unhelpful and clueless when I told them I mailed it in and transferred me to different people in customer service to keep telling my story over & over again. I got no advise so I said I would pay it online to have proof of my payment. The next day, XXXX/XXXX/15, XXXX mortgage payments were taken from my checking account, the check payment and on-line payment. They were holding my check at someone 's desk at Ditech and cashed it when I called in. I want my {$12.00} fee payment back that I was forced to pay online. To require someone to make XXXX mortgage payments in one month does not appear to be legal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with Enterprise Acquisitions (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: Enterprise rent a car in XXXX PA employees discriminated against me and my mother for having Spanish names, refusing to take payment for a car rental, even legal tender as dollars in cash. Threatened my mother with reporting the car I had just returned stolen for not paying the bill they refused to take payment for. This happened today XX/XX/18. I have video evidence of the returned vehicles perfect state. We immediately called XXXX police non emergency number and spoke with officer XXXX, as they threatened to report the car I just returned stolen, and I spoke with enterprise corporate who assured me they would look into this. I also tried contacting the through social media but received no response. And now I wait for them not to do anything and allow racists to keep working for them.

Company response to consumer: Untimely response
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Called Bank of America XXXX on XX/XX/2018 Spoke with three different departments. Very helpful all three departments. 
Ended up with the Charge Off department. 
My question to her what and why a Account Charged off? When each month for the last three years a reacurring payment were paid directly to the collection company. 
Twice once from the Company and one from the Collection Company to neogiate amount that is due. My reply to both was no it is my debit and I need to pay them off. 
Account Charge off defination from Bank of America, " Any Account that has become deliquent ''. My understanding of Charge Off is the amount that was agreed by me and the company to write off, which would generate a XXXX Cancellation of Debt. 
Interest being low I was looking to modify my Mortgage. After speaking with the Mortgage Company their concern was the write off and no payments being shown. 
Balance due changes with my payments. But no payments are shown. Report shows " 0 '' payments received for the past three years. This is incorrect and if needed I will send copy of bank statements showing all my payments. 
The Bank Of America with this statement on my Credit Report has caused me very large problems. They might of Charge off the Account, but I feel they are not reporting the correct information when they do not show all of my payments.

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 10-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Taking out the loan or lease

Complaint: I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with BANK OF THE WEST (NE).
Issue: Problems caused by my funds being low

Complaint: I have XXXX accounts with Bank of the West and I had a {$1600.00} hotel bill go through my checking account and posted online as XXXX XXXX on XXXX XXXX when it was no where to be seen on the XXXX. They are back to the old habits from the class action suit of taken the highest amount and moving it around to hit your account with the most fees. It should be just one fee for the {$1600.00} bill since I did n't transfer funds from one account to this one in time, but they shifted it to make everything else fail and left others pending to hit the following day. They would not have cashed a check and given me {$220.00} at the ATM on the XXXX if that bill had gone through on the date they claimed and I had a negative balance. The {$1600.00} bill just went through on the XXXX and the changed dates around on my online account for several items to make a killing in overdraft fees. I have been monitoring my account. Items that should have cleared days ago were then sitting pending so they can sock me again the following day. It 's class action stuff all over again. 
When I tried to transfer funds from another Bank of the West account during the night to make sure I had enough in my main account so they would n't hit more overdraft fees, they stopped the transfer from happening for 6.5 hours when it has always been instantaneous since they offered online banking. Amazingly they hit me for another {$140.00} in fees and then allowed the transfer to take place. After complaining about {$280.00} in fees in 2 days that put the account negative again, they refunded {$35.00} and before I could deposit or transfer more, they took the {$35.00} back again for the day. {$310.00} for one transaction that occurred after all the others until they started juggling the dates and putting the largest one before older ones to maximize their profit. 
If XXXX the accounts of people who have been with them for nearly 20 years is how they do business, they should be ashamed. I did a transfer this morning, XXXX XXXX, online before business hours and it happened immediately. Guess that 's because I already had a positive balance so their computer 's did n't automatically hold it up to get more fees like the day before. Their computer algorithms should be inspected by the government for the rigged game their bank plays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief