milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: As per bankruptcy case number XXXX, XXXX was listed as a debtor as there were " lease payments '' on a cellular device. The phone number associated with this account is XXXX. I have returned the device and paid for usage. Seven times over the last six months, I tried to reach out to XXXX to resolve this matter. Each time, XXXX assured me that the account was closed and " would have '' a zero balance. XXXX did not object, nor attend any debtors meetings. I am still receiving daily calls from IC Systems demanding payment and this debt collector has placed a collection account on my credit report. XXXX now indicates I owe a balance due to a broken lease agreement which was listed in the bankruptcy. No one seems competent at neither XXXX nor IC Systems to resolve this matter. Therefore, as a last resort, I am reaching out to CFPB. Your prompt assistance is greatly appreciated. " XXXX '' with employee ID XXXX was the last person I spoke to regarding this account with 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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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 this with both Experian & XXXX XXXX. I have inaccurate multiple late fees showing on my credit report in XXXX. This account is showing inaccurate, this account says closed but does not state when it was closed, it does not give the full accurate account number. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. This closed account was completely deleted off of my Experian credit report only to reappear again this month with more inaccurate late fees. This account wasn't even opened in XXXX of 2017. For the last time, this card is paid off & closed I am demanding to have this account deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the account from my credit file.

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 04/17/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is reporting this account to Transunion Ive already reached out to Transunion explaining to do a thorough investigation. Im going to attach these documents with this signature that is not mine from a contract that was sent to me. I want this investigated again. The amount keeps going up on my credit report I dont understand how they keep jacking the price up on this zombie debt thats not mine.

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 07-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I wanted to set up automatic payment from my bank to pay the full bill every month on my Bank of America XXXX XXXX obtained through XXXX XXXX XXXX. I filled out the form from XXXX XXXX and wrote in that I wanted to pay the full amount every month. When the approval came through I noticed the credit card company was only taking the minimum monthly bill in the future. A cozy way for them to let the balance ride and charge me interest. I called XXXX XXXX, complained and had that automatic payment canceled. The person on the phone sent me another paper application and told me I could also make the arrangement to pay the full amount on line. Well I tried on line but there was no option to pay the full amount every month. On the second paper application there was again no blank to direct paying the full amount every month. Previously I had written in the instruction to pay the full amount every month. Knowing this would not work, I did not resubmit the paper form, nor try the online form, which also did not offer the option I sought. So far I only used the credit card on my first in-store purchase at XXXX XXXX XXXX and have, which I paid by check, but have not used the card since. XXXX has an option for paying the full amount monthly on an automatic basis, which I take advantage of for two Visa cards. I think the failure of XXXX XXXX to offer this option is a sneaky way to keep running balances so they can charge interest.

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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX andXX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Theres a creditor added to my credit XXXX and I dont recall having this account open t I had no loans other than my school loans. I believe someone else is using my information. I had not open any loans other than my school loans. Please get this resolve. I also have debts that are over 7 years that are still in my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, Transunion and XXXX   report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both Transunion and XXXX have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. 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 explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: DITECH FINANCIAL LLC., and XXXX are attempting to sale my home on the courthouse steps XX/XX/XXXX with an assignment that was robo signed XX/XX/XXXX by XXXX an atty that was attempting to foreclosure a few year ago. the assignment was created after the cut off date of the of the XXXX. According to section 201 of the pooling and service agreement had to be conveyed prior to this cutt of date of XX/XX/XXXX. The assignment is fraudulent ATTY XXXX was not the vice president of XXXX. HE WAS THE FORECLOSING LAWYER. XXXX signed a verified affidavit XX/XX/XXXX, and it was filed in SUPERIOR COURT OF XXXX GA XX/XX/XXXX. This affidavit was also recorded in the deed book. I have asked that my concerns be address, and this foreclosure be stopped for XX/XX/XXXX The cut off date of the trust in section 201 clearly states that this assignment should have been obtain before XXXX, also it contain fraudulent infomation, and fraud can not be the basics of obtain a deed. my main goal is to keep my house with an affordable payment to the write party

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: we have been trying to save our home for quite awhile now. They are always missing paperwork, when I filled it all in, faxed it and fedexed it. I have been through at least XXXX or more account managers. it seems that as soon as things look close for a better payment they change our account manager. We are frustrated! now our home is in foreclosure wit a law date of XXXX XXXX and they still are doing the same thing with the paper work. We 've worked hard to upkeep our home. They were suppose to get back to us with a rate that is XXXX our income. We are dealing with family health issues that are being resolved which will add to our income. We are frustrated and do n't know where to turn. We can not afford an attorney at this time and they know this. What can you do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with TOLEDO FINANCE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Debt was included in a BKXXXX and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Bank has reset my loan to allow for more interest to be paid up front. Changing the loan number as I enter the last remaing years of my mortgage. I have a negative amortization loan that was converted from a fixed to a arm in 2006. I requested several modifications and have been denied for every reason. I have now discoveved as I enter the fully amortized payment they have changed my loan extended my term for a additional 22 years and have changed the payments which now allows the majority of the payments being applied toward the interest. They have changed my loan number to XXXX and have reset the payments to collect more interest up front as oppose to having the majority of the payments being applied toward the principal as it should now. You can review the amortization scheduke for both loan numbers and see the descrpency,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I attended XXXX XXXX, a XXXX school, and was encouraged to apply for a Genesis student loan with the understanding I would have a XXXX high paying job. After over XXXX months looking for a job as a XXXX I am working XXXX hours a week @ {$XXXX} an hour and have over {$9000.00} in student loan debt. I do not believe I was given honest information and the loan was not reasonable for me to take out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (IL).
Issue: Can't contact lender or servicer

Complaint: I FILED A COMPLAINT WITH YOU AGAINST XXXX XXXX ON XX/XX/2018. THE COMPLAINT NUMBER IS XXXX. WITHING A WEEK, I RECEIVED A RESPONSE FROM YOU AND THE COMPANY, XXXX XXXX. XXXX XXXX SENT A LETTER ATTACHED TO THE RESPONSE THAT DUE TO THE FACT THEY HAD ISSUES WITH THEIR SYSTEM AND NO ONE COULD CONTACT THEM EITHER ONLINE OR PHONE, TO CONSIDER MY ACCOUNT SETTLED IN FULL. NOW THEY WANT A PAYMENT. I ASKED TO SPEAK TO SOMEONE IN THE XXXX XXXX   COMPLIANCE DEPARTMENT AND THE AGENT SAID SHE DID NOT HAVE A NUMBER FOR THAT DEPARTMENT. I NEED HELP. XXXX XXXX NUMBER IS XXXX. I STILL CAN NOT CONTACT ONLINE.

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 02/21/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was  sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: There were unexplained charges on my account that I was not aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
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: After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. EXPERIAN has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has recently announced that they have been affected by a cyber security breach that has allowed the personal information of millions of Americans fall into the wrong hands. According to a tool offered by Equifax to check who has been affected, it is likely that my own information was also included in the breach, meaning someone almost certainly has my personal information due to irresponsible safeguarding of said info by Equifax. This breach occurred only one month after my credit history began. My new credit history has no negative marks on it, and has a credit score of around XXXX, which makes my very concerned that my personal info will be considered " valuable '' by potential identity thieves ; I feel as though my information is more susceptible to being used fraudulently. I am also concerned that whoever may have access to my information might not use it for a long period of time in order to avoid the 90 day fraud alert, as well as to wait until I, and many others, have let our guard down and may not be monitoring our credit reports as closely as we will be immediately after the breach. 

Equifax is entrusted with our most sensitive personal information, and allowing a situation to occur where the information of millions is given out to unknown, unauthorized persons is disappointing, and very frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I filed for a 90 day free fraud alert on XX/XX/2017 through Transunion and was enrolled in a nearly {$20.00} a month credit monitoring service without my knowledge. This very thing also happened to my wife on the same day.

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 09-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (MO).
Issue: Rewards

Complaint: XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. 
I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. 
This has not yet happened and has been ongoing since XX/XX/XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief