milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 5 years I have been in a foreclosure status with Bank of America. I have returned all of the documents requested. As requested by Bank of America, I have submitted the same documents over and over. I lost my job and got behind in my payments. However, I have been employed for the last 4 years. At XXXX, I went back to college and got my XXXX. I have lived in my home for XXXX years on a 30 year mortgage. I do not want to lose it now. It seems for the past XXXX years Bank of America has been giving me the run-around. It seems they do not want to keep my home on their books. After XXXX years I find this very disturbing. I have been living in fear for 5 years. XXXX. This foreclosure is constantly on my mind!

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 05/17/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I applied for a TD Go account on XXXX/XXXX/2016 for my grandson who is going to co to college. I have called several times giving my order confirmation # and authorization no. to many of your customer service representatives who at any given time have absolutely no answer as to why this account, or car has not been issued. Each time I call I get a different person of course and they no nothing and I am being told there is no one you can speak to regarding what is happening. I am extremely angry with TD bank as I have been a customer for XXXX years and can not understand this form of business dealing. -- I am at this point going to close all my dealing with this bank and believe me I will tell everyone not to deal with TD bank ever again VERY POOR CUSTOMER SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (VA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: After a deal for a loan fell through for finance on a house the finance person XXXX XXXX XXXX called the VA and misrepresented herself to obtain information on my previous history with the VA. She then posted an email online claiming that I lied, defrauded the government, that i somehow convinced a person at the VA to go into the system and change information for me. I started working with XXXX XXXX back in XXXX 2015. She in later passed my financial package on to another person in her company who later, around XXXX XXXX, 2015, that a financial deal could not be reached. Later XXXX XXXX called the VA representing herself as if she was still involved with me on obtaining financing for housing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OH).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: A social security number in California ending in XXXX is associated with me. That is not my Soc Sec Number. I do not currently work for XXXX. I do not have a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: 1. Experian gives no phone number, email address or snail mail address on their website to complain about their fraud. 
2. They fraudulently claimed that I had XXXX negative items reported " between XXXX XXXX, XXXX and XXXX XXXX, XXXX '', but when I view the credit report, there are no such entries after XXXX. 
3. It is no surprise that they sell " identity protection '' of sorts, and this giving out of falsified information is simply a selling scam for their products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Advertising and marketing

Complaint: I applied for a Capital One secured card in 2014, which is advertised as a way to rebuild credit. I was approved with a deposit that I was told that I would get back after showing good usage of the card. I was even told that my card could be upgraded. However, though I 've never been late on a payment, when I attempted to get my deposit back, I was told I had to close the card. Capital One has even increased the credit limit on my card without an additional deposit and without me asking. 
Capital One can not advertise a card as helping to rebuild credit and promising people to get their deposits back when you have to close the card ( hurting your credit ) in order to get your deposit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$2800.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and 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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. 

XXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. 

US West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). 

It has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a " phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. 

This has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: transunion is reporting student loans incorrect with late payments, i have disputed this XXXX XXXX times in the past with them and have requested documentation showing that i have paid these late and have not gotten it. I have not paid these loans late. these loans are closed/ transferred and reporting inaccurate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Managing the loan or lease

Complaint: Onemain Financial XXXX, WA XXXX ( XXXX ) XXXX My Husband and I have a loan through this company that we have been paying on since XXXX 2015. Onemain is reporting that we own nothing on our credit report that the loan was paid in full but we are still paying our monthly payment towards this loan. We are working with XXXX Through The Housing resource center which is HUD Certified and we tried to get onemain financial to printout our payment history from the time our loan was originated and they said they were unable to do that because they got a new computer system. Then a few weeks later we received a copy of our payment history when we went into the office and you can not even read the payment history printout that they gave us. They told us that is the only printout that they could give us. I am worried that we are making payments towards our loan and its not even being reported to the credit bureau. I would like to have this company investigated if possible to make sure they are complying with the Fair debt collection practice act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with NRA Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They would not remove by order of state of Utah.

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 04/25/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Reporting wrong information to credit bureaus as far time of debt and last payment made is from XXXX when I lost my job account opened in XXXX. They are reporting account opened in XXXX XXXX so it will stay on my credit report and a recent payment made the last payment made XXXX XX/XX/XXXX.The debt is time- barred and harassing phone calls more than XXXX a day.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit Management , Inc ( MCM ) is reporting a debt collection of {$890.00} under my name to XXXX credit reporting agencies ( XXXX, XXXX, XXXX ). I requested that MCM send me specific information pertaining to this debt because I have not had a XXXX credit card ( original creditor ). When I requested the validation of this debt, MCM replied with a sloppily photocopied credit card statement and subsequently submitted a " Disputed '' remark to the XXXX credit reporting agencies. This is troubling for several reasons : - I did not and have not had a XXXX credit card. The statement does not show any agreement I entered with this bank to open a credit account. I do not know how or why an account was opened and is being reported under my name. 

- I did not, at any time, request to submit a " Disputed '' remark to the credit reporting agencies. I was merely requesting more information about an alleged debt, but MCM took it upon themselves to report something I did not dispute. 

- MCM is not only attempting to collect a debt that is not mine, they are attempting to collect an amount of {$840.00} without explanation. The statement they sent me as " validation '' of this alleged debt shows a balance of {$590.00} with no further explanation as to how or why they are reporting a balance that is {$250.00} more than what they are suggesting I owe. 

MCM 's debt collection is not only inaccurate, but irresponsible. They have not, in my opinion, provided sufficient verification that this alleged debt belongs to me, yet they continue to report it monthly. In addition, they should not submit disputes that were never requested by me just because I am requesting more detailed information about an account. This feels like a bullying tactic to ( 1 ) make a person feel guilty about requesting more information, and ( 2 ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received fraudulent surprise debt collection having never received any bill. When sent a letter disputing and requesting verification, all that was received upon XXXX signed receipt of dispute, was an invalid resolved summons ( with a different amount no less ) and no bill or proof of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I ordered my credit report and seen that XXXX had this account as marked as a charge off. I disputed that because I had a paid in full letter dated XX/XX/2012. At first they updated it to paid and listed different dates that were late. I disputed it again and the dates delinquent changed again. I disputed it again. The dates changed again but never corrected this to never late. I contacted them to contact XXXX and they said the did not and would not call XXXX. I said well I dispute this again and within an hour its updated and not investigated. I explained that the car loan I had was for a vehicle that was in a accident and the vehicle was totatled. THe insurance company sent them a lump sum check. I also moved right around the time of the accident and when I spoke to XXXX at XXXX she did say correspondence was sent to me that the deductible was my responsibility. I asked her if they got the letters back since I had moved. She said it was noted that the mail was undeliverable so they began contacting me via phone at which time I did give them an over the phone payment to clear the account. The contact Equifax again today. I was told there is nothing they can do and there is no law obligating them because of errouneous mistakes to change the information. I told them I had the paid in full letter and they said they were not breaking any laws. However they are. They are not even investiaging this as they should. They refused to contacted XXXX other then electronically. Equifax is aware by how many updates they have made to my account that XXXX continues to provide them with accurate information. I spoke with a supervisor today his name is XXXX and then his supervisor XXXX Who said there is nothing more we can do and this would need to be disputed with XXXX and not them. My rights are being violated. and I want this looked into more. They admitted and acknowledged that there were errors but are refusing to fix it or investigate more thorough.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and  correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: i ahve yet to have the capital one issues resolved appropriately p XXXX lease have someone from viriginia contact me not someone else who does NOT address what i am asking to be addressed. various issues remain unresolved re credit and a business checking acct i can not use my accounts til addressed

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Two private loans I have with them very discharged in my Chapter XXXX bankruptcy in 2015. Provided paperwork numerous times. My loan keeps getting rolled into forbearance then they show it over 120 days late on my credit reports. And getting daily calls for payment. Do n't know what else to do at this point. Any help would be appreciated.

Company response to consumer: Closed with explanation