milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
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: There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX  as scheduled. Also attached is a payment ledger from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Per Equifax 's Press Release Statement : there was unauthorized access from MidXX/XX/XXXX. The first indication that Equifax gave of this breach was on thXX/XX/XXXXThis I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United  States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Auto) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Auto loan paid in full. Balance is 0, account is closed. Lender keeps calling 3 times a day, everyday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In a discussion regarding repayment, my processor will not allow me to apply additional payment to my principal balance ( s ). They said even if I specify, they will apply to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained a mortgage with Countrywide Home Loans now Bank of America.That mortgage was for {$120000.00}. In XX/XX/XXXX despite having made all my payments they filed an action for foreclosure in XX/XX/XXXX. I obtained a refinance from another company XXXX XXXX which will be the subject of another complaint as XXXX did not pay-off Countrywide despite having received 4 years of mortgage payments from me. After 5 years of working my way out of chapter XXXX then chapter XXXX bankruptcy in order to keep my loan I finally made it into a loan modification program. Of course in order to foreclose on me Countrywide/BofA filed phony paperwork, with forged signatures etc. etc. I did hire bankruptcy attorneys. I working contract did not work for three months. I started a new job XX/XX/XXXX. I notified my attorneys and also Countrywide that the first payment would have to wait until I got paid. I not actually being a career criminal like XXXX XXXX, have to wait until I got paid. Countrywide/ BofA refused to disclose to me the amount of the principle that I am required to pay. They are arrogantly demanding that I somehow acceed to their crazy XXXX demands for payment on their terms. I say this as BofA received billions of dollars in bail-out money despite using fraud to 1 ) Give mortgages to anyone who had a pulse 2 ) And throwing XXXX Americans out of their homes 3 ) No one in BofA/Countrywide ( XXXX XXXX ) has ever been criminally prosecuted for their financial crimes. Now I think Countrywide is demanding $ XXXX.Countrywide refused loan mediation demanding that I pay for it. I say I think because Countrywide has never given me paperwork. I would like to be a company that can flout the law, take a {$120000.00} mortgage and turn it into a {$250000.00} debt, never be prosecuting for their crimes, destroy people 's lives and never have to be held accountable. I would like to be a company that has done more to foster XXXX by tearing apart families, throwing people out of their homes, than any " XXXX '' alive or dead.I have worked my entire life, bought a house when I was XXXX. I have endured years of gender discrimination against women by working in XXXX.XXXX. And have had to spend years in court trying to keep my house which leaves me at the age of XXXX living in financial poverty despite having been a high earner my entire life. I have spent a small fortune on lawyers ( which says a whole lot about their competency ). I would like Countrywide/BofA to actually take the loan modification seriously and work with me to reduce the principle.I would really like people to be prosecuted for financial crimes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the incorrect information two times using the processrequired by Experian. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: I wired  XXXX  {$100000.00} transfers to an individuals bank account at the HSBC branch in  XXXX   ,  NY  .  The   XXXX    XXXX   XXXX  suspected fraud so they recalled the wires. They were put in the hands of the  Fraud  Department at HSBC bank. This took place on  XXXX   XXXX ,  2016 . I have called numerous times to have the funds returned and have no success.  The Fraud Investigator i s  XXXX   XXXX  who I have called many times. I am only able to get his voice mail. It is urgent that I be re-imbursed.I need the funds to pay the real estate loans I secured to send this money.  XXXX   XXXX  's phone number is  XXXX   XXXX .   The bank info.is as follows, HSBC Bank us Nat.Assn.  XXXX   XXXX   XXXX , and  XXXX ,  XXXX , NY  XXXX  US, tel. #  XXXX .   Please intercede for me. I have done all I can to retrieve my money to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Checking or savings account (Checking account) with Activehours (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Activehours needs to access my XXXX account and is currently having difficulties as well as too my XXXX XXXX account also. Its been about two months now and it has been nothing but misrepresentation that has occurred. I would like to do business with Active hours, truly they are an interesting and unique company. I ca n't or we ca n't some how get connected for whatever reason. So I am being asked to reach out for some help from you kind people so we all can get going with this slight situation. Thank you in advance for your time and consideration. Have a wonderful day!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XX/XX/XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XX/XX/XXXX. 
The judgment was paid and released on XX/XX/XXXX, this XX/XX/XXXX is ( 9 years ) I feel that all XXXX Transunion, XXXX and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Payday loan () with Rosebud Economic Development Corporation (IA).
Issue: Charged bank acct wrong day or amt

Complaint: Money was supposed to be withdrawn on XX/XX/XXXX, but instead was withdrawn on XX/XX/XXXX resulting in an overdraft fee. Also, lender is not licensed in the state of Iowa.

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 10/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (MO).
Issue: Other transaction problem

Complaint: Hello my PayPal account was used to make an unauthorized transaction so I opened a disputed with PayPal and they decided that I personally made the purchase which in fact I did not it would be pointless for me to dispute it. However I can not get ahold of PayPal because they do not answer their phones ever! The amount was XXXX this happened on X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still s hows a BALANCE OWED etc.,  which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Other debt) with A.R.M. Solutions, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My subscription to the XXXX XXXX expired. They continued to deliver newspapers. I did not ask for or want them. I tried to cancel a few times. Finally my wife got through and the subscription was cancelled. They tried to collect for the amount ( above the market / subscription rate ) for what THEY decided I owed. For papers AFTER my subscription ended. I did not pasy the bill as I did not and do not feel it is a valid debt. Then they sent it to a collection agent. I relented and paid the ~ {$75.00} that I DID NOT OWE. I want a refund and any negative credit impact expunged. I will also be filing a complaint with the the local DA and the state Attorney General. This is an unmitigated extortion machine.

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 01-05-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: NO REMOVAL OF THE INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX   continues to report account as being delinquent. Credit report shows last payment was   XXXX   2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.

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 06-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit decision / Underwriting

Complaint: BoA, after collecting {$680.00} for a credit check and appraisal, was unable to get underwriting approval for my refinance because my home is subject to a leasehold, aka ground rent. In XXXX, ground rent is public knowledge and is available online via a simple address lookup from the Land Records Office ( XXXX ) and Dept. of Assessments and Taxation ( XXXX ). Furthermore, I chose a loan officer in XXXX to avoid issues like this - ground rent is common in a few states that I know of : XXXX, XXXX, and XXXX. If BoA knows it can not close a loan on a property subject to a ground rent, then it should not accept money or string customers along. In this case, I applied XX/XX/XXXX and on that date, paid for the appraisal ( {$670.00} ) and credit report ( {$15.00} ) and was denied at the end of XX/XX/XXXX! XXXX help me if this cash out refinance was to help with medial bills or school and not home improvements - I would be XXXX feet deep or a drop out because of the negligence and possible fraud committed by BoA. I have contacted BoA regarding a refund for the appraisal and credit report several times via my contacts on this loan ( Retail Sales Manager, XXXX XXXX ; Mortgage Loan Coordinator, XXXX XXXX ; and Home Services Specialist XXXX, XXXX XXXX ). I have n't even begun to calculate damages for stringing me along for XXXX months. 

I was extremely disheartened yesterday when I learned that a fellow XXXX resident had the same thing happen to him. I have encouraged him to file a complaint as well. The bottom line is that BoA is unfit to do mortgages in XXXX. Plain and simple, no questions asked. We have XXXX cases of extreme negligence bordering on fraud. Cut BoA off from these deceitful practices in my state!!! 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed with Experian an entry on my credit report for XXXX XXXX XXXX. I have also disputed it with the company, XXXX XXXX XXXX to no resolve. I became aware of the entry when I was denied credit a few months ago. I was not aware of this debt. Since my original dispute, XXXX XXXX XXXX updated on my report that they received the account from XXXX XXXX XXXX. The inaccuracy in my report is that XXXX XXXX XXXX is not reporting the correct 1st Date of Delinquency. My account became delinquent with XXXX XXXX XXXX in XXXX 2010, which means that XXXX XXXX XXXX should be reporting the same delinquency date if they are stating they own the account. I have never paid them anything and just find out they owned the account a few months ago after applying for credit. I have communicated with Experian and XXXX XXXX XXXX with no resolve. XXXX XXXX XXXX continues to say they are researching the information while continuing to report inaccurate information on my report. Experian states that they investigated and verified but neither organization has provided me with anything from the investigation. I submitted correspondence to both. I have enclosed letters that I have sent and a copy of the report I am referring to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I received an alert from equifax that my home address had changed to XXXX XXXX XXXX XXXX XXXX Florida XXXX had changed to XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

I said that XXXX XXXX " XXXX XXXX '' does not exist and that I did not authorize it. I was told I 'd have to fax my drivers license XXXX utility bills, a copy of my ss # card. 
I asked to speak to a supervisor and spoke to a supervisor " XXXX '', who said if I did not like my service I could cancel it. Well, three seconds after my call I received an email that my membership was due to cancel on XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Rent Recovery Solutions (NC).
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: XX/XX/XXXX XXXX filed complaint against Rent Recovery Solutions LLC. Complaint was completed  and justified but Rent Recovery Solutions still appear on XXXX and XXXX  when they were to be removed. Rent Recovery Solutions LLC appeared on XXXX twice only 1 was removed it also appears on XXXX now and still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with Knight Adjustment Bureau (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Knight Adjustment Bureau is reporting and attempting to collect on a debt that is not valid and that I do not owe. It is for an erroneous day care bill. I paid for my kids day care and was never one time late. I advised them I was needing to remove my kids and they advised me the only person who could cancel services was the owner who was out of town, they are always out of town for weeks at a time. I was paid up and cancelled. I do n't even know what this is and nobody at XXXX XXXX ( the  original creditor ) will help me and Knight Adjustment wo n't help either. This is not my debt, its not valid and it needs to be deleted & cease collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agency repeatedly calls my husband, and even went as far as to tell him they were a collection company and give him the amount of my debt. They ALSO shared the type of credit card it was and when it was taken out with him. It is my understanding that they can not share this information with him. The debt was from 5 years before we were married, and he has not affiliation with it. This happened XX/XX//18. 

The company is called Portfolio Recovery Associates. Their last call to him was about 10 minutes ago, and they hung up on him as soon as he told him his last name was different than that of my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Caller id says gila Corp but when answered it is a message instructing me to call an XXXX nimber for " municipal services ''??? Well I have no idea who this company is and according to my credit report which is free of collection items that I do not owe, then there isbnobreasoj for me to call the number. On XXXX/XXXX/2015 this number called me three times. They call once a day but they called three times at XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation