milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my credit file it shows on credit bureaus has me showing on pay status as a charge off in which means an account that is unpaid or unpaid debt. I do n't owe XXXX XXXX no balance in which I have a letter from them that shows a {$0.00} balance. 
I was mail my title from XXXX and I sold the car in 2015. So if I had a charge off how is it XXXX title mail my title and I have a letter from XXXX XXXX stating that my account was paid in full. 
Under pay status or status on my credit file there should not be no charge off showing there is no balance or money owed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I were approved for a trial period plan for possible modification of our mortgage loan. I ask our single point of contact how would the trail payments be reflected on our credit reports, he mentioned as long as you make your full agreed payment amount within that month you will be reported " current '' to the credit bureaus. We just recently discovered our mortgage is being reported 60 days past due. My wife and I value our credit history, we are very disheartened by being mislead by our single point of contact. Please do what you can to honor your commitment so we can continue having a good relationship with Freedom Mortgage. 
XXXX, Ohio XXXX Loan # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX 2014 someone placed a security freeze on my account without my knowledge. 
As you might imagine I had issues straightening this whole mess out and rebuilding my credit. XXXX says they picked up the report from Equifax, Equifax denies this and so forth. 

I asked Equifax for the police letter which must be on file to freeze credit. They have denied me a copy, then refuted their own position and told me it was not a freze but a fraud alert. 

Until I get to the bottom of this massive inconvenience I 'd like to keep all alerts as they were so I may discern if law enforcement ( XXXX ) wrote their own letter without my requesting it. 

At th same time XXXX XXXX ( then owned by XXXX ) Cancelled my service because they have the right to do so for no other reason but they can- XXXX XXXX XXXX of XXXX XXXX corporate office prepaid division. The number on my credit reports was the old number so when companies called to verify the freeze/fraud they got a wrong number. 

These series of events may be coordinated in order to create havoc in my life but to also discredit me in a case with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Special Financing Company, LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/2016 I signed up with company called XXXX who stated I was eligible for Student Loan Forgiveness through a program and after 10 years debt would be erased and lesser monthly payment that was owned by XXXX ( now XXXX ). XXXX did documents and payment came back at XXXX as loans were bought by Dept of Education. I was told that I would have to recertify each year and once I did recently I was denied this program as they misrepresented my income as being single last year which I was not. When I recertified I used mine and spouses income and was denied while XXXX informed me my income went up significantly which is not accurate. What is also very bothering is I was informed by XXXX that they have numerous complaints with XXXX and that I should consider filing complaint as I continue to be charged XXXX a month automatic withdrawal for them doing paperwork which was not represented accurately. The automatic payment is taken by a company that evidentally represents XXXX account and it is called Special Financing Company LLC. I have called this company and had my account noted and I also contacted my back and placed a stop order on this monthly withdrawal. 
I would appreciate any help you can provide with this. I also believe I am entitled to 11 months of payment X XXXX be refunded for their inaccurate representation of a plan I am not even qualifed for. 
Very frustrating considering I have made over 20 years of on time payments for student loan and yet I am no further along. I am pretty sure I have paid these off and then some. 
Any support you could provide against my complaint regarding XXXX would be appreciated. Total paid to date is {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: went to the bank and cashed a check that was later found to be counterfeit ... i had no idea it was when it was sent to me ... the bank cleared it and did n't even hold it to just make sure it was n't counterfeit.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was contacted by Experian that a hard inquiry was on my credit report from XXXX XXXX. I found that odd because I've had a XXXX XXXX card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called XXXX XXXX today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 disputed an error on my credit report previously. It was fixed at that time. Now Experian has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XXXX of XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust Experian to not change it back. 

Remove XXXX XXXX " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. EXPERIAN IS TRASH.

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 07/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I spoke to the bank about geting some fees waived on my account, I spoke to someone over a chat and they had a manager call me. The manager advised me that he would be able to help me, and that he would make sure my account would decline every transaction moving forward if my account was overdrawn. None of what this individual told me happened. This occurred on XXXX/XXXX/XXXX. Back in XXXX XXXX I was given wrong information by both a branch manager and a customer service manager. I was unable to pay rent and was forced to sleep in my car due to the incorrect information provided, I was also advised all my fees would be waived in light of the " miscommunication '' That did NOT happen. Every time i contact the bank I am talked down to, disrespected, not treated with dignity and lied to.

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 monetary relief
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Chase closed my account on XXXX XXXX. I went into their XXXX XXXX XXXX. XXXX Texas location on XXXX XXXX. I was told by an officer that I would receive the money in my account in no later than 10 days. It has now been 15 days and I have not received my money. An employee check bounced on XXXX XXXX and I need to pay her.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My second mortgage loan with XXXX XXXX XXXX past due amount was paid in full in XX/XX/XXXX. And, I continually pay the monthly payment due each month until the full amount, showing on my credit report to date, is fully paid. XXXX XXXX XXXX must change the status of my loan to " pays as agreed ''. Charged off account, as committed by XXXX XXXX XXXX is false, as I am current on my monthly dues as noted on my credit report. 
On my personal information, the XXXX addresses showing and reported that I have lived in : former addresses XXXX and XXXX need to be deleted. I do n't recall living in these XXXX addresses. 
Lastly, there 's a query listed from a XXXX XXXX on XX/XX/XXXX. Please remove that on my profile, I have never dealt with XXXX XXXX before. 
Lastly, how do I go about clearing the 'negative accounts ' on my credit report? 
I appreciate your help resolving the issue as noted here. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX   XXXX ,  2016 {$34 .00} I talked with  XXXX  and said I could pay what they offered. Though, when I had more money to pay the account for full. " They did not fill in the remarks on the the credit bureaues, credit reporting agency 's ''. I said, I can pay for the full amount. They said no what was agreed you can pay for. During the conversation, I suggested to pay more. And initiated the clear communication I can pay for the full amount of  XXXX   XXXX  dollars. Then, she said no. Only the amount, you were talking with  XXXX  about. They were damaging my  credit score.

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. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Equifax mishandled my information, which puts me and millions of other people at risk. They did not notify me quickly enough for such a potentially harmful issue. 

I have put a freeze on my credit report but they sat on the information for so long I have no way of knowing if I was impacted yet or not.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife and I have been receiving calls from a company claiming that we have an outstanding medical bill. They said they can take payment over the phone and that a form of payment has been mailed to us. We called the doctors because we were/are not aware of any outstanding medical bills. The doctors office told us that they do not even use a collection agency and that our account is up to date and paid for. The calls from the " debt collector '' will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.

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 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did n't know about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account with Credit Check total. I logged in a few days back and discovered within XXXX weeks a number of unauthorized inquiries processed with about XXXX weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right! 

I have now enclosed two items with My address which I judge to fulfill your requirement for a complete investigation : 1 ) My State Drivers License 2 ) My full credit report from Experian Credit report showing my address

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 08/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express sent a new credit card in my name to XXXX California and cancelled the card I possessed in XXXX. My identity theft service and I spent numerous hours with XXXX resources around the world, and all American Express personnel continually refused to give me details about the fraudulent telephone call, and most did not call me back as they said they would. Their response to my original letter did not in any way answer my question or resolve my issue. Specifically, I want to know what that criminal said that caused American Express to send a credit card in my name to an address that was never ever on my account. I also want to understand the policies and procedures for sending credit cards to addresses that are not part of the account, and what the law states. 

I placed my American Express credit card on hold until I received the info that I requested, and I never did. This month, they have billed my account for an annual fee, which I am obviously not paying, I only used the card for 4 months after I got it and until this situation is resolved to my satisfaction, I will keep the card in an inactive state. 

I would like someone to contact me with the information requested so that I may evaluate the security practices and my desire to keep this credit card. I have a right to know the details of that call and am at a loss for why American Express will not provide it to their customer. I have been using corporate American Express cards for may years and this unresolved issue will cause conflicts with corporate customers that I may be employed by in the future. 

I can try contacting an investigative reporter from XXXX of the major networks, but I prefer to avoid that headache, so if CFPB can get a better response than I got the first time American Express sent a letter to me, I will be thankful.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I purchased a 2011, XXXX XXXX from XXXX XXXX XXXX. They shopped around and obtained a loan through Capital One Auto Finance. The terms of the loan were that # 1. I must purchase the Auto Warranty ( {$2200.00} ) or the deal would not go through and # 2. The selling price including the warranty was {$18000.00}, the interest was 19.79 %. Before I made my XXXX payment on the vehicle I received a letter that stated I owed an additional {$280.00} Plus dollars. I am charged a daily interest rate that I was not informed about of {$9.00} per day. This interest negates my monthly payments. I am charged this interest whether I pay before my due date or not. My payment is due on the XXXX of the month but I pay usually on or about the XXXX except for the month of XXXX. I wanted to see what they did regarding interest. Surely this is a predatory loan. This loan is also forcing me to take out GAP insurance as added protection in the event of loss because I am sure I am or will be upside down on this loan as a result of the forced Warranty, the high interest rate and the daily interest. Below I feel that XXXX of the issues apply to me but I can only pick XXXX, they are : Shopping for a loan, Taking out the loan and Managing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: i and my wife was renting a apartment from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX i infomed them, that becaue of job change i will be serrendring that location on XX/XX/XXXX which i did, my balance due was {$2000.00} which i told XXXX XXXX will pay, by XX/XX/XXXX they said i had to work everything out, kimball, tirey & St John LLP , i called them at XXXX XXXX to pay theysaid we can not located account, they said they will contact me after get a judgement on my and i, they sd our balance was XXXX. then over the course of 4 month we finally talk with the atty office XXXX XXXX said thay had judgement for {$2500.00} i asked how can you get a judgement without contacting me or serving us he said that wha they do, and that i have {$7300.00}, still due bring the total to {$9900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (IL).
Issue: Problem when making payments

Complaint: When this line of care credit was opened with Sychrony Bank I was paying my payments as per the agreements. When the statements were coming in they were not reflecting my payments. After speaking to sychrony bank due to my concern with the balance and the charges for late fees they assured me they were aware of the mistake and that this would be resubmitted and the payments would be applied. The balance we agreed upon was not correct. I called Sychrony bank to resolve this and I was met with challenge after challenge.
I stopped my payments and continued to call Sychrony Bank, During this process the interest kept adding up.
Regardless of my attempts I was met with opposition.
As of today my balance on the account is XXXX and the interest is XXXX. I called and was transferred to 3 different departments. I was told I can not access full accounting on my account and that there was not a department that could help me. I was given an address to write in for any information that I needed.
I said this is my third attempt to bring resolution to this account. I wanted to pay in full my balance of XXXX  if it reflects the right amount as per my payments and then discuss the interest. Regardless of my efforts I am met with the same response. Mam we can not help you with your requests you have to write in and when I ask to move up the line to a supervisor and demand some type of assistance in bringing this account current I am hung up on.
This account has dragged out this far because I can not get any communication or resolution even when I try to pay The fact that I can not access any of my account information online ( they locked my acocunt ) that I am trying to pay and that I am trying to resolve this matter and they hang up is outrageous. It is truly my belief that they want these accounts to incur interest and these problems with payments not being registered is by design. I could not pay this bill and bring it current if I wanted to.
I now owe more in interest than the charges. I want to pay this bill and be done.

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 04/17/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account in collections that was paid. Exquifax has not updated or removed the account. I submitted a dispute, which they " investigated '' and responded with the information being " verified '' and an overdue balance. I contacted the creditor, who verified that the account was paid over a month prior and that the account had been updated with all XXXX major credit bureaus. I again contacted Equifax, they refused to update their information or attempt to resolve the misinformation.

Company response to consumer: Closed with explanation