milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing disputes

Complaint: For the most recent statement cycle of my credit card, after that cycle had closed, I received a new billing statement ( received XXXX/XXXX/16 ) from my bank stating that a new bill was due on XXXX/XXXX/16 in the amount of {$48.00}. On that same day after receiving the new statement, I promptly went online and paid my bill for the XXXX due date but it still stated that the payment was still due in XXXX. I was told by a representative that my payment was actually applied to the previous cycle and am not sure why that was since the previous cycle had closed and a new statement was generated. I argued with them to apply it to the XXXX payment but was told that when I made the payment it would not count as my payment for XXXX. I need them to fix this and need some confirmation from them that this will not affect my credit report or that this will occur again in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ULRS, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband had a tenant he turned over to collections thru United Legal group. The tenant then filed a lawsuit against both of us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect XXXX times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send XXXX letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX XXXX, which is also threatening to damage our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Went on Equifax website XXXX/XXXX/XXXX to enroll for free 1 year TrustedID XXXX protection offered by the company. Received acknowledgement that enrollment date was XXXX/XXXX/XXXX. 

Enrolled on XXXX/XXXX/XXXX and waited for acknowledgement email to activate product. Did not receive any notification so contacted Equifax by phone on XXXX/XXXX/XXXX and was told that due to the number of people involved, it was taking longer than anticipated and to wait a bit longer. 

Received an activation email on XXXX have tried to activate the product for past 3 days but each time I received a message that the system was unavailable. The initial attempt on XXXX/XXXX/XXXX asked for my birth date which I provided and from that point on I received messages that the system was unavailable. 

Contacted Equifax by phone on XXXX/XXXX/XXXX, explained the problem. I initially was told that the system was experiencing problems due to heavy use and to keep trying. Then I spoke with XXXX XXXX who said I 'd have to re-enroll because my name was not in the system. I questioned that since I received an enrollment date and an activation email. Both had to reference my personal information on the system in order to do that. 

I then spoke to XXXX XXXX who said that I should try again tonight. I told her I tried repeatedly at various times of day and night for the past 3 days. She also said my name could n't be found in the system but that the system was having problems. I than asked her what the problem was, is it a system problem or is my information not in the system because I 've been told both. She could not provide an answer. Her only suggestion was to try again tonight. I told her that was unacceptable and I 'd report the problem to the CFPB.

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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.com/XXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.com/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A credit info by XXXX without my knowledge or permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continues on sending me bills that I did not owe, until they hired North Shore collection Agency. I explained to XXXX several times that I transferred to XXXX XXXX on XXXX XXXX, 2016 before XXXX took over XXXX, and that I fully paid XXXX. I gave XXXX the service discontinuation reference number from XXXX, but this did not work. I spoke several times with XXXX ' representatives and was transferred to different departments/phone numbers but nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: I currently bank with Wells Fargo and am using an app called XXXX XXXX. In order for the application to run properly, my bank has to communicate with them and send them my information. This is being done at a very slow rate and it is literally costin me money. I would appreciate it if my bank was able to more efficiently, and effectively send and receive information from other companies so that this error would n't come up as much

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 12/20/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Improper use of your report

Complaint: I just found out Bank of America pulled my credit report. I have not applied for credit, held an account, or had a balance owing with this company for the better part of a decade. 

I do not have a balance owing. 
I have not applied for any new accounts. 
I am opted out of promotional lists. 
I did not give my permission or authorization. 
I just pulled my credit report and found out that they ran my credit on XX/XX/2016.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I wrote to the credit reporting agencies as well as speaking with an XXXX agent for at least 20 minutes telling him why I am disputing charges made by XXXXXX/XX/XXXXXXXX and XXXX XXXX. I have not received any decision after over a month and it has affected my credit score as well as ability to apply for loans and related services. I feel they have not responded in a timely manner nor given me reasons why the two negative items have not been removed from 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 explanation
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with National Commercial Services, Inc (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was involved in an accident on XXXX XXXX, 2015. I was moving from XXXX to XXXX. Police came to the scene of the accident, and the police did not give me a ticket. The officer said he did not draft a police report. I never received any calls regarding a claim against me, or issues with being an uninsured motorist. XXXX paid for damages, and I paid a {$1000.00} deductible. Nothing happened until two weeks ago, when my parents got a call about a debt owed for {$3000.00}, but no cause for the debt. I contacted National Commercial Services, and they told me the debt was for {$5000.00} due to a tort claim as an uninsured motorist. They did not provide any further details as to the debt, except that the other driver 's insurance had already paid their claim. I was told by NCS that this debt was for being an uninsured motorist. I received a letter in the mail stating they 've tried to communicate previously, but I never received any information. They have threatened to request the DMV to suspend my license. I have not been sued, so I have no idea where this debt came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XXXX XXXX, XXXX I submitted correspondence to Capital One because of suspected fraudulent activity by the bank for accounts in my name ending in XXXX, XXXX, and XXXX. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Capital One on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with Credit Bureau Collection Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Despite my formal notification to the collection agency on  X/X/2016    that the charges assessed me by   XXXX   were fraudulent and the evidence I submitted indicating that the utility company actually owed me money because of the many  XXXX  and late fees erroneously assessed to me either by or because of the utility company over the course of my 14 years as a customer,  XXXX  failed to forward the charges back to the creditor -- as required by Federal Law -- and went ahead with reporting the debt to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America Appeals Department GRANTED Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) and directed the Bank of America Underwriting Department to forward borrower to MHA HAMP Trial Payment Plan ( TPP ) on XXXX XXXX, XXXX on a escalated case requested by me, but never ordered me, the borrower, a MHA HAMP TPP on or after a MHA HAMP was approved based on my XXXX XXXX Request for mortgage Assistance ( RMA ) complete package was received and an initial evaluation was conducted in XXXX XXXX resulting in a MHA HAMP denial on XXXX XXXX, XXXX that was timely appealed in XXXX XXXX for which a written determination was never issued by the Bank of America Appeals Department to the borrower. However, the Bank of America Underwriting Department issued several written correspondence to me, the borrower, stating MHA HAMP was denied on appeal after the Bank of America Appeals Department granted MHA HAMP. Bank of America and their representatives have made knowingly false statements by representing to me material facts related to my home loan mortgage account during the modification and loss mitigation processes and are guilty of the following in violation of RESPA enforced by Regulation X, MHA HAMP Guidelines, California Civil Code 2920 through 2944.10, California Code of Civil Procedure 2015.5, and their duty owed to me as a disstressed borrower who was proactive at a time when it was clear I would not be able to continue to pay the then monthly installment amount per the XXXX Deed of Trust : Poor and Deceptive Practices ; Modification Fraud ; Mortgage Fraud ; Foreclosure Fraud ; Intentional Infliction of Emotional Disstress, and ; Negligent Emotional Disstress. 
Also, as a matter of law, regulations, and guidelines I am still considered pending in the modification and loss mitigation processes and no negative credit reporting is to occur. Specifically, the bank, the servicer, and their representatives are not to assess late fees or report a late or missed payment while workout assistance is pending and are to make any required fee adjustments and credit reporting corrections upon completion of the modification and loss mitigation processes. This has not been the case in this instance and not because Bank of America believe that I am currently pending in the modification and loss mitigation processes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The inquires on my credit report were deleted. I checked my credit report again and they had been reinserted. I received no notification that the inquires had been reinserted. I also requested that the fraud alert on my credit file be removed. The fraud alert was reinserted also, and I did not request it.

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. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled personal information, which puts me and thousands of other at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with MRS BPO, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MRS BPO continues to mail me letters saying that I owe them money or they are attempting to collect a debt from me.
I have never done business with MRS BPO nor do they have a contact with their company containing my signature. I sent them a letter requesting a contract from MRS BPO   reflecting my signature and they continue to send me letters from  XXXX   XXXX   XXXX   XXXX  instead of documents showing my signature listed.    MRS BPO needs to produce a contract from myself to them with my signature as I originally requested. I HAVE NO CONTRACT WITH MRS BPO. MRS BPO  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I have disputed multiple   XXXX   XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

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 06/13/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: XXXX credit card accounts I had with Chase are still being reported in error as charged off with a balance owed when in fact they have been canceled and I have already included the cancelled debt as income on my federal taxes and paid any taxes due on that income. 
I received XXXX XXXX forms along with form letter XX/XX/XXXX. The both XXXX has event code XXXX. According to the IRS, code XXXX is used to identify cancellation of debt as a result of a decision or policy of the creditor to discontinue collection activity and cancel the debt. The form letter states " We recently cancelled an unpaid debt on your account ''. 
To this date I have been unable to get Chase to update the information on the credit reports for XXXX, XXXX and XXXX. As a result of their inability to properly update my credit reports I have been denied a car loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brumbaugh & Quandahl (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was paid an odd amount from my employer. Initially confused, i reported to work and check my paycheck stub online. There i discovered that there was a case filed and a wage garnishment had occurred. Checking my spam mailbox i see a message from payroll explaining the deduction. At this point, I knew something was amiss. I have recently discovered how to keep track of my credit online. to my dismay there are several instances on my credit report that are erroneous. The company in question has since removed the item from my credit report " XXXX '' after i filed a dispute on the credit item. They have since re-added this information. This is regards to a bank account closed in 2009. I also live in nebraksa where Nebraska Revised Statute XXXX stipulates a 5year SoL on written contracts. I do not understatnd why now of all times to pusue the debt or the errant disregard of the statutes of the state of Nebraska. I have not been contacted in any way by this company to date and have just acquired their phone number from our payroll department

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I was divorced in 2013 and the mortgage was refinanced this year in my ex husband 's NAME ONLY. I have tried for 3 months to get the remaining balance of {$140000.00} off my credit report and Equifax still says it is my responsibility even though the credit union does not show my name anywhere on the mortgage now.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I ca n't log into my online experian account and I know I am answering the security questions correctly. I looked on XXXX XXXX and an address in XXXX is showing up and I 've never lived anywhere outside of XXXX. I researched the property and.it says the property owner is a XXXX year old 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 non-monetary relief
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with PREFERRED CREDIT INC (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, XXXX, I purchased a XXXX vacuum from XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX, OK. The vacuum cost was financed through Preferred Credit Inc ( PCI ) for the amount of {$2500.00} and finance charge of {$990.00} total debt {$3500.00}. The financial contract stated that this debt could be cancelled three ( 3 ) business days after the date of the transaction. On XXXX XXXX, XXXX, I contacted XXXX and requested this purchase be cancelled because it was too expensive, he refused to take action, by trying to reduce the price or not answering my text/phone calls. On XXXX XXXX, XXXX, first business day, I called PCI requesting termination/cancel this contract, but the representative informed me I could not termination/cancel this action, the seller had to request this action. 
Note : The sale was conducted over a weekend when individuals could not be contacted or were still trying to negotiate a deal. On XXXX XXXX, XXXX, last day to termination/cancel contract, I returned the XXXX vacuum to XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, I wrote a letter to PCI informing them of the return of merchandise, that the XXXX Salesman, was avoiding me to delay the termination of contract As of this date, PCI has never contacted me. The PCI has placed on my credit reports a charge off of {$2400.00} which lowered my credit score by 100+ points. In my opinion, XXXX, XXXX XXXX XXXX XXXX XXXX and PCI are predator sales and lending services. I am currently contacting the credit reporting bureaus, providing this information, documentation and a request to remove the charge off. Any assistance with this situation will be appreciated. I hope this information will help inform other people of these type individuals and to avoid their tactics. I am a senior citizen and recently retired from the XXXX XXXX.

Company response to consumer: Closed with explanation