milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to duplicate report my student loan on my report. XXXX loan has XXXX reportings, because of consolidation. There should only XXXX reportings. Also, Experian does not put full account numbers on my fed loan servicing accounts, when the base account numbers are the same ; so they ca n't differentiate when I send a detailed dispute, because I am unable to differentiate between the XXXX accounts. Experian continues to allow the base student loan accounts, ( fedloan servicing XXXX-open date XXXX & XXXX acct # XXXX ), to be reported as delinquient ( payment history & account history ) even though the consolidation paid them in full. Both XXXX accounts, should not be reporting on my credit report any longer because they are not the original creditor or the current account holder, that 's why they are double reporting. I have disputes these accounts several times, with detailed disputes, & Experian continues just to verify name, date if birth, etc. No specific account information is verified as correct. I only had XXXX loan for XXXX which was consolidated once. So I should only have XXXX accounts reporting on my credit report, not XXXX. Experian reps continually state they as a company have no lawful obligation to report correct information. Experian, again does a horrible job, verifying detailed disputes, even if I tell them exactly what is wrong. XXXX account XXXX-date open XXXX, should have always had a status of " paid, closed '' - not transferred & closed. It was paid by consolidation loan, & paid in full in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: My complaint is against Bank of America. I have had a account with them since XXXX, we started in XXXX with a local bank, XXXX, Nations Bank bought them and Bank of America bought Nations. I started to use my debit card & found the account was frozen, I called for the reason & after being on hold and XXXX or XXXX different people they said reason was they needed more information and gave me a number to call Monday. I waited about XXXX hrs and called the same XXXX number again & told them I wanted to talk to their supervisor, after XXXX more people I finally got him. He said the reason it was frozen was they had sent out a letter with about XXXX questions on it & it had not been returned. I told him I had never gotten it He said anything that important should have been sent Registered Mail. I ask what the letter was about he said about maybe XXXX questions, I ask what they were & he said the following : What Country was you born in. was you a US Citizen & where were you living now also the main source of your income, the way the country was now they needed this up-dated.I said you mean they froze my account for this. They could check this as most all of our checks are direct deposit Our total income is {$XXXX} less taxes .Income derived from pensions, farm land rent, Bank of America dividened shares which we inherited. Our balance in bank now is {$1700.00} and I need to pay my monthly bills. He gave me a number to call Monday & I would Fax information & maybe it could be released by Wednesday. I would think this would be illegal & certainly not fair, I am XXXX & my husband is XXXX and certainly not a XXXX. They had to word it as up date information to keep them legal. Then last week I checked my account & I had wrote a check for {$240.00} ch # XXXX to XXXX for my Mothers care, the next entry was ch # XXXX for {$4200.00} to XXXX, and it came bac Insufficient funds but they put that back in there & said was a computer glitch, then they charged me {$35.00} for in sufficient funds, I called again told them off since this was not my fault so they took this off. I think they are out for everything they can get. They were so crocked & XXXX XXXX so greedy they got themselves in this position and the rest of us are paying for this, Our Bank stock income was around {$XXXX} per year & now XXXX cent per share. We are now in the process of selling bank stock for something to make us more money and changing banks, they wo n't miss us we are to small but if enough did they would realize it. When proxy fight was for XXXX to keep both positions they called us to see if we would vote for that, which we did but it looks like they just try to keep themselves under the legal radar. Totally fed up with them & disappointed please help me I need our money it is ours & to keep them from doing this to anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Medical) with AR Resources, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AR Resources, Inc. sent a letter on XXXX XXXX, 2016, requesting a balance of XXXX. I sent a letter of validation and verification of the alleged debt, which was received by AR Resources on XXXX XXXX, 2016, via US Certified Mail # XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX, Supervisor, verified that my letter of verification was received in their office. AR Resources applied this account to my credit file days after becoming aware of my letter of validation and verification. AR Resources has not provided me with proper verification and I am requesting an immediate removal of this account from my credit file. I am requesting a cease and desist on this account until AR Resources can validate this alleged debt and send proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: JPMorgan Chase  attempted to contact me regarding a credit card debt collection on another person 's phone number, without permission or my providing that person 's phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was approved for a short sale with my second mortgage lender USAA on XXXX/XXXX/XXXX and have proof of my lenders approval and a XXXX closing statement showing that i was the seller. However, I have proof that XXXX is reporting this and it is showing up as a foreclosure on my credit report under XXXX. I also understand that the " Date Reported '' can appear more recent due to attempts to get my short sale credit correctly coded. This error in credit code and date has impacted my ability to get a new conventional mortgage after my XXXX month wait time frame. It is causing me to not be able to purchase this new home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: To whom it may concern I am writing you now, because I do not know were to turn for help. I have XXXX private loans with Navient, which was originally XXXX XXXX. I received the loan from XXXX back in XXXX. I was under the impression that it was a regular loan. I did not know it was a private loan until I went to consolidate my federal loans and told I could do all, but XXXX. Since XXXX I have been paying Navient, at time even paid extra. for the past 2 year all of my payments even the extra payment have went to interest only. Non of my payments have went towards the principle, so the balance remains the same. My original loan balance for XXXX was XXXX and XXXX. However while in school was being charged interest at a high right. Now the balance of the loans are XXXX and XXXX. I called to see how can I rectify this since I am paying, but nothing is going to the principle. I was told I had to pay if all off at XXXX time. So my payment will continue to go only to interest. I feel like I am trapped. I filed Bankruptcy in XXXX, but found out that the loan are protected. So I still have to pay them. I do not know what else to do. They use to call me all the time, but my Bankruptcy lawyer at the time was able to get them to stop. 
I do n't know were to go from here I can not afford to pay them off as I have other federal loans and a family. So far I 70 % of my original balance in Interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not 30 as inaccurately stated and reported by XXXX XXXX XXXX XXXX XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.

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 09/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: I applied and was approved for Amex Platinum Personal card on XXXX/XXXX/2016, where the terms and conditions stated a bonus of XXXX points on spending {$3000.00} within 3 months. 

I satisfied the bonus terms and received the points within 3 months ( before XXXX/XXXX/2016 ). The purchases and spending made qualified under those terms as appropriate ( I was over the threshold spend even after credits, returns etc, and none of the spending was for cash-like instruments like gift cards and so on ). 

However, today on XXXX, the points have been taken away, which is against the terms and conditions, given that I satisfied them completely and fully. I have fulfilled my end of the terms and conditions, and expect Amex to do the same please.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (I do not know) with Aargon Agency, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not the dentist I go to I have been going to the same dentist for the last 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: 360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$390.00} and " Other Charges and Fees of {$120.00} ''. The company denied me a refinance under the VA refinance loan program or the ability to modify my loan after I submitted multiple applications and request after having a financial hardship and the death of my mother in XX/XX/2016 of XXXX. The after speaking with me initially about my hardship the representative XXXX, who would initially ask me to submit an application ; which I did and she would in turn state I had 15 days to complete and return it with supporting documents such as bank statements. This happened 3 times ; which put my account further behind. XXXX and her Manager XXXX She then requested on the XXXX day into the process to circle all debits and withdrawals that went towards my mortgage and expenses. This information was seen in the monthly statement as debit or withdrawal. This was a tactic that was unethical, racist, and deceptive to compound cost to have my account in a default state to obtain monies in a deceptive manner. The company has violated the Fair Housing Act by imposing overly restrictive rules because I have children and am XXXX. Since I am a veteran I contacted my VA loan representative which monitors my loan XXXX. The company has stated my funds were being held in escrow to pay for insurance and taxes. The company refused to allow me to independently pay my taxes and insurance. Which is now not fully paid as agreed on the Mortgage Note in my Loan Contract and my Insurance was paid before my annual taxes which should have been paid monthly due to my insurance service contract. The company sent me an agreement ( payment arrangement ) for my loan and stated my loan could not be modified and brought current even though I was 4 months behind at the time. The company has charged me " Default Related Charges and Other Charges and Fees '' even though this payment plan included all other fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (NC).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  XXXX   XXXX   XXXX  of what I owe from credit card from Barclays bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  XXXX   XXXX   XXXX  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to cont act Barclays. I called Barclays to see if  could pay them and they told me no too because my account was closed.  XXXX   XXXX   XXXX  told me they would have to ask Barclays for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  XXXX    XXXX    XXXX  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help 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 03-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am nationstar mortgage I am making my payments on time every month I try to pay something extra on principal I looked at my payment history I saw that $ was n't there I called them they said the $ is in suspense account that I have no history on account or in payment history no discloser at all no contact at all if I did n't check my history and that happened if I did n't I will lose all my hard earn $ behind it this is not fair. Unfair of this company to treat me this way and I do n't know how many more

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Medical) with Alpine Credit, Inc (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I decided not to argue about the debt as it was {$110.00}. The issue is she wrote down all XXXX digits of the credit card which is a violation of the XXXX rules and regulations and I am filing a complaint with them. She also wrote down the security code. It is a violation of Federal Law to write down the XXXX digit security code. She refused to provide me with a copy of that form. She admitted that they do this every day. 

This business needs to have a surprise visit so they can not hide the violation. Business name and address : Alpine Credit Inc. 
XXXX CO XXXXXXXX advise how this illegal practice can be stopped and the business fined?

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NM).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX email XXXXXXXXXXXX I am writing to these person to get my mother 's check from the settlement with Ally. She was promised XXXX in a letter and no one deposited the money in her autoloan, mother sent the next payment minus the XXXX promised and this company kept on charging her late fees every month to the point she is soooo behind. I helped her fill out a form on XXXX or XXXX, we have a copy and they were ( ally ) supposed to give her that money in her loan. Anyway, she is still paying an exhorbitant amount in interest more than anyone can go to pay for a car loan, this has ruined her credit, making her unable to refinance her home and affected her emothionally. When we complain, they threaten us that will impact our credit more and more. Where is the money, they promised us? They gave us a number XXXX XXXX XXXX and it says that in a recording you got all the money left for you guys to use at the CFPB which may be mom 's too. 
Anyway, she is concerned about the credit and the money. She wants the credit information revised to show the XXXX in XXXX 2015 when she was DUE that money and that would have made a lot of difference, she has paid the loan over already if you take into account the late fees, and the interest rate. She does not speak XXXX as her tongue. I am from XXXX. We can not even refinance it due to the impact of the ally fees into the " lateness '' of the payments because of that supposedly money will help people like us. We use the car to work

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 08-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than XXXX and 120 days past due with XXXX and XXXX XXXX XXXX. The Credit Bureaus including XXXX, XXXX, and TransUnion are in violation of the FCRA.

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 10-09-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A Public Record information is reporting on my personal credit profile and I am challenging it as inaccurate in its filing. The Federal Bankruptcy Court has concluded the action as dismissed. By definition, the term " Dismissed '' means that it is adjudicated by the law. The filing concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for XXXX years. The Bankruptcy Court has confirmed that they did not " verify '' information to the credit agencies as they are stating. By Consumer Law I have the RIGHT to have information of who has verified this as a derogatory. This discrepancy has prevented me in my personal life 's pursuit. I want the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation