milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2016 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I 'm not certain if this choice best describes my situation. I had a medical bill from XXXX XXXX XXXX that was forwarded to Med-1 Solutions, LLC. The bill was from XX/XX/XXXX. I was unable to pay the bill do to my financial situation at the time it was incurred. I was unable to make payments on the debt during this period because of continued financial hardship. I received a notice from Med-1 that they would be taking me to court for the bill XXXX/XXXX/XXXX. The week prior to the court date I called and spoke with one of their representatives in their legal department. I advised her of my financial situation and asked if I would be able to make payment arrangements for the bill. She said I could. We worked out arrangements were I would make {$100.00} payments on the XXXX of each month, starting XXXX/XXXX/XXXX. She stated that she would forward me paperwork that I would need to fill out for them to deduct the payments automatically from my account. I agreed to do so. I received the paperwork the following week. I had not sent the paperwork back with my account information so they could start deducting the {$100.00} agreed upon amount on XXXX/XXXX/XXXX, when I noticed on XXXX/XXXX/XXXX that Med-1 had deducted a {$100.00} payment from my checking account on XXXX/XXXX/XXXX. This caused me to be quite embarrassed when I went to purchase lunch and was informed my card was being declined. I was also charged a {$37.00} overdraft fee on my account because their payment caused me to go in the negative. I called Med 1 that day and advised a representative of what happened. She said that she saw that arrangement in the notes pertaining to the {$100.00} payments starting on XXXX/XXXX/XXXX and did not know why the payment was taken out XXXX/XXXX/XXXX. I asked the representative how they obtained my bank account information since I had never sent them their paperwork back yet and that I would like to be reimbursed the {$37.00} fee. She could not answer that question and advised that she would have a supervisor listen to the call and get back with me. That has been over a month and I have yet to receive a call back. Since then I have received another collection notice from Med-1 for another XXXX XXXX XXXX bill that I have disputed with the original creditor. I have not contacted Med-1 since.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Sent certified letters to advise the info is incorrect and letter that creditor agreed to remove. Still not corrected from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Dynamic Recovery Solutions has called my employer multiple times, even after being told to not call again. First call was about 3-4 months ago, and again today XXXX/XXXX/2015. Phone number of XXXX was left. I have checked my credit report and there is nothing on there that is unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit information shows an address that I have NEVER lived at & it 's been on there for years. I could never find a way to dispute it. The address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This needs to be removed from my credit information & anything connected to that address. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax recently revealed that many accounts have had information stolen from them, and there is no way of knowing which accounts are at risk. This has been happening for about 6 weeks, and Equifax only just released a statement.
Equifax asked users to go on a new website where you could check if your account was at risk. It was quickly revealed that the website gave out random results and was n't at all a useful tool.
I am trying to do everything I can to protect my information. I have never used Equifax ( as I mainly use XXXX ) but since the 3 largest Credit Unions are so interconnected, hackers could still steal my information despite me never giving it to Equifax.
My information is n't their property, even if they believe it is. I have never used their service, and because of their neglect for their customers ( or as they believe, " products '' ) I now have no idea if my personal information ( that I have made a huge effort to protect ) is at risk.
Obviously this is n't just a problem for me, it effected millions. But I just want my voice to be heard because I do n't view myself as a product, and I do n't like the idea of a major company being able to give away information that was n't given to them willingly, and is n't theirs. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting my previous mortgage which is paid in full, as 30 days past due, which is impossible. I called Equifax and spoke with XXXX who literally had no clue. She kept referencing the wrong mortgage company ( XXXX vice XXXX ) and told me that she does not see what my report is stating. She also stated that what she sees and what I see are totally different which makes no sense. I am engaging CFPB before I engage legal resources to document I filed with CFPB. 
From Equifax : ( note loan is paid in full however current status is 30 days past due ) Once again current status, not the history of the loan is 30 days past due on a loan that has been paid in full. 
Name : XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : PAYS 31-60 DAYS Hide Details XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$330000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1800.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 2 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, 81-Month Payment History No 81-Month Payment Data available for display.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a credit card that was charged off in XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XXXX. A correction was requested on several occasions but the same information is being updated.

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 06/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Wells fargo doesnt send updates to an app i use.   XXXX   XXXX   app.

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 07/28/2015 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple calls multiple times a day. I do not have debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am unemployed and applied for the Keep Your Home CA program ; was a few days late with my XXXX 2015 paymt to BofA when the online payment system asked for a reason I told them I was working with KYHC. They started sending me home mod./foreclosure alternative paperwork via overnight XXXX and calling me daily and sending me letters requesting documents. I repeatedly notified them of the status and progress with KYHC and was even told at one point I would only be called one time per month for a status check. I am called at least weekly by " XXXX '' and asked the same questions. I received letters from her ; most recently one stating they will be receiving funds from KYHC, but she still calls me on XXXX/XXXX/15 wanting to know when they will receive XX/XX/XXXX Mortg. pymt. I am current! I have been current. I am current on my now second mortg.! She claims the letter is auto-generated ; has no clue what is being sent from her own organization ; calls and sends letters constantly ; I am current, they will get paid as always ; Bof A will never get my property ; why do n't they spend their money playing their precious employees to spend their time calling people who are behind? Or is all of America on time with their mortgage? I reached out to Bof A 3 years ago for assistance when I fell behind due to taxes owed ; since I was not underwater, they made my HELOC a second mortg, my fixed rate a 40 yr mortg. and now I can not refinance ; but I obtain help from KYHC and I can not get BofA to leave me alone. I am current and they will not stop calling and sending me letters, that is harassment! They had NOTHING for me when I needed their assistance, what possessed them to flood me with calls and modification paperwork once I informed I was working with KYHC? Less is more apparently. I will lean toward keeping them uninformed in the future. I have zero trust in the BofA. I can not wait to get on my feet soon with a job, repay KYHC what little I will owe them, sell this property, gain the equity I have in it and never again allow BofA to carry a home loan for me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Unsolicited issuance of credit card

Complaint: My husband obtained a Best Buy credit card and I DID NOT apply for this card. Best Buy added my name to the card as an authorized user at some point. My husband 's failure to make payments has resulted in my credit being negatively impacted. Best Buy refuses to supply the original credit application to verify who signed up for this card. They continue to say that I am responsible for this debt.

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 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am requesting the removal of XXXX judgment ( below ) on my Experian credit report due to Civil Case No. XXXX, XXXX XXXX XXXX XXXX Al., v. XXXX XXXX XXXX , XXXX, I did not know the source of their information on this judgement and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this judgment as soon as possible. 

Judgment Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this judgment listed on my credit report has been removed within 15 days of the date of this complaint. Your attention to this matter is greatly appreciated.

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 02-06-2018 about Vehicle loan or lease (Lease) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had a car accident on XX/XX/2017. I took a leased car on XX/XX/2017 from the XXXX of XXXX XXXX. The loan was pre-approved from XXXX XXXX XXXX, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Approximately on or about XX/XX/2016 I filed a dispute with Experian who failed to due a proper investigations because they limit the amount you can write in order to prompt and investigation. These are the following issues I have : Personal Information I have filed a dispute regarding the name XXXX XXXX XXXX. I have never gone by this name nor have I ever submitted a credit application for this name. I am requesting that this inaccurate name be removed from my credit report but Experian reported that it was accurate and that a credit agency reported this name. 
Credit Accounts XXXX recently in error reported me 30 days past due. I spoke with XXXX on XX/XX/2016 in regard to the error on my report. When I asked then to change the error I was informed by the collection rep that they can not change credit report errors and that only the credit bureaus had the authority to do that. I was instructed to file a dispute which would prompt XXXX to change my report. I filed a dispute as instructed but Experian just called to verify information instead investigating the phone conversation with the rep.

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 12/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Trouble during payment process

Complaint: Our mortgage was recently sold to Select Portfolio Servicing, inc. We had XXXX which sold our mortgage to Select Portfolio. We had XXXX XXXX which was renamed to XXXX because of the complaints coming in because of their intimidation toward their customers. 

Select Portfolio Servicing was calling our home when our payment was not even late. It was not past 30 days at all. We are now receiving letters stating we are late and trying to state that our loan is in jeopardy and I have already paid it. This letter was received XX/XX/XXXX. 

I told them when they called, do not call me again. Today, we received this letter, when the mortgage was paid. 

These mortgage companies are harassing their customers when they have never been late. This has to be against the law. We have never been late by 30 days ever. This harassment by these mortgage holders has to STOP. 

By law, they should not have the right to intimidate!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CACH LLC did not validation for this debt. I do n't have any sign document or any business with them. on my credit repot claiming unpaid debt by CACH LLC.

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I 've had a XXXX account with Bank of America ( formerly MBNA ) since XX/XX/XXXX. On XX/XX/XXXX at XXXX I received an e-mail from Bank of America ( BAC ) informing me that my Virtual Card was deleted for XXXX. When I called BAC to inquire, they told me that the XXXX account was closed and that I was mailed a letter informing me that it would be closed on XX/XX/XXXX for inactivity if I did not make a transaction. When I questioned how this could happen without informing me first, they told me that either a letter was mailed or an email was sent. I told them I received neither. They offered to open a case # for someone at BAC to research the issue and I agreed. On XX/XX/XXXX, they called to let me know that the case investigation was completed. In speaking with the assigned person at BAC, he confirmed that BAC had no record of a letter nor did they have a record of an email being sent to me to notify me of the impending account closing. If I had received such notification, I would have made a transaction which would have maintained the account in Open status. He placed notes in the file confirming this and then transferred me to the Credit Dept. where I was informed that they could not re-open the account and that I would need to re-apply if I wanted the card again. They said this was non-negotiable. I feel this is unfair treatment of a consumer and that they should take responsibility for their inaction by not mailing or emailing the notice to me to give me the opportunity to maintain the account.

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 11/20/2017 about Student loan (Private student loan) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The customer service provider of the loan issuer isnt providing the adequate details on what the credit score minimum requirements to be elligible for their cosigner release program along with the 12 month payment requirement but simply just denies the cosigner request without providing these adequate important details so that the customer has an idea on what is required with a minimum credit score instead of just postulating on that particular credit score number. I 've been denied twice as a cosigner loaner with AES with this terrific customer service as countless others can concur to as well.. The issue of the payment is a concern to the customer service provider and the loan issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is a XXXX XXXX XXXX that has been reporting negative for a long time. I disputed it multiple times telling experian that I was released from apartment contract due to a fire that happened in 2009. I tried contacting XXXX XXXX XXXX XXXX themselves to get this taken off and they were n't having it. very rude and would not send me and documents about this account. I asked experian to show me documents proving that it was legit and my but they said they do n't have to prove anything to me. I need this negative off my report ASAP. as XXXX and XXXX both removed it but experian wo n't. I do not have the release form anymore and ca n't get the information to the former management that was running the apartments at that time. without any information I ca n't even try to prove it was released and they are stopping me from any information. As you know the apartment complex always changes management ever so many years. I tried going to the apartment and talking to them and they said there has been like XXXX different management companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out a {$5000.00} loan with XXXX XXXX back in XX/XX/XXXX or XX/XX/XXXX for my attendance at University XXXX XXXX. Once I started repayment on them my loan has increased to almost {$10.00}. So I accumulated double in interest. How is this possible. I went back to school and deferred my loans which was until XX/XX/XXXX. By this time navient has now taken over my student loans. I was n't advised of the change. I 've to one person in regards to my account and they say I owe {$300.00}. which I was only pay {$100.00}. They have been calling me nonstop all day. I do not want to speak to them unless someone is willing to help. No one is willing they only want there money. Why is my interest so high? Why are n't you trying to help me lower my monthly payment. why is the interest that much on a college student.

Company response to consumer: Closed with explanation