milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wakefield & Associates sent a notice for a XXXX bill for a XXXX - which is NOT my name. My wife called and explained that this is not my name and not my bill. 
Several months later, we received another bill. This time, my wife sent a letter to Wakefield, as well as the Attorney General of both Missouri ( where we live ) and Colorado ( where they 're located ) explaining again that this is not my bill and to prove it was. 
Wakefield responded to the Attorney General of Missouri on XX/XX/XXXX that they had gone back to the original creditor and determined that this was n't, in fact, my bill so they would close the account in my name. 
My wife checks our credit often and, when she checked my credit on XX/XX/XXXX, realized that I had a collections account added to my credit report - from Wakefield & Associates and the bill was now {$49000.00} ( it started at {$25000.00} ). This is, of course, AFTER Wakefield told the Attorney General they were closing the file in my name and yet, now it 's on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 01-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i had service with XXXX. I use to pay my bill at store. until somebody used my personal information and payed online with checks from other victims while i was giving cash to this person because i was busy working. Also, XXXX fraud specialist team did not solved a fraudulent transaction from a moving truck company in other state way far from my origin state ( CA ). they gave me a new card and put my balance back to how it was before the fraudulent activity and a month after the same truck moving company took the same amount as the first transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I used my American Express card the number is a gift card XXXX the CVV # is XXXX I called to file a dispute to have my funds disputed to I spoke to XXXX XXXX and XXXX XXXX they are located in XXXX I asked the politely to be transferred to my to states they dienied my requested i file a dispute on XXXX XXXX and still have not received all my funds that I requested and yet this origination continues use third parties such the names I mentioned above they continue use false advertisement regurding call center please is there any way to get all my funds back from this card?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I paid my XXXX credit card bill via online from my XXXX account that I had sent before with no issues. XXXX ( whose payments are processed through Comenity Bank ) said they never received it. I have been reaching out to both XXXX and Comenity Bank who have repeatedly sent me back and forth to each other. I spoke to someone from XX/XX/XXXX when I received a bill from them saying that a payment was never received for the XX/XX/XXXX payment. I have proof from my personal account showing the payment was sent and received electronically from them. I 've spoken to several representatives between both of them. Some of the names are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and several letters from the customer care team. This is frustrating and I 've been really patient up to now. My credit score has taken a nosedive ( XXXX points and counting ), and my latest statement from XXXX XXXX is now {$330.00} which is all fees plus the {$98.00} they claim they never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I first contacted Equifax XX/XX/2016 disputing inquires that I did not authorize. As of this date I have yet to have Equifax honor my request. I advised Equifax to please provide me a copy of the documents that were used during there investigation process so that I can verify its validity. Equuifax is knowingly and willingly using delay tactics to assiste me regarding this matter, Furthermore, Equifax if in violation of the FCRA. Equifax actions have negatively impacted my credit worthiness and credit score causing me great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with DISCOVER BANK (VA).
Issue: Transaction issue

Complaint: I did not authorize Discover to debit my mother 's bank account for {$100.00}. Discover said that I did. They put through a payment for {$100.00} and caused my mother 's bank account to bounce and now they will not reverse the transaction and pay the XXXX bounce fees that are on my mother 's bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Home equity loan or line of credit) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My prior loan servicer, Select Portfolio Servicing ( SPS ), is reporting my account as " foreclosure started. '' However, foreclosure proceedings were never initiated. 
On XX/XX/2012, my account was transferred from XXXX to SPS. Prior to that, I entered into an agreement with XXXX under XXXX 's Cooperative Short Sale Program. The loan was not referred to foreclosure by XXXX. 
SPS informed me that they did not participate in the " Cooperative Short Sale Program, '' but instead invited me to participate in " Cash For Cooperation ''. I accepted the invitation and the account was settled in a short sale. 
Thus, SPS is incorrectly reporting my account as " foreclosure started ''. This is damaging my credit score and causing me to pay significantly higher interest rates on financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I know newspapers are struggling to stay in business these days because it seems only old people read them. But they can not force you to take their paper. We had a 13 week subscription, for {$27.00}, that had ended. The XXXX sent a renewal for 13 weeks for {$55.00}. My husband decided it was too much money so he wrote cancel on the renewal and returned it to the XXXX. The XXXX continued to deliver the paper and send us bills. The XXXX called day and night to get us to renew. We kept telling them we did not want the paper to take us off their phone list. Then a women called from the XXXX to say we had to pay for the papers. I told her we had not ordered them and were not going to pay. We then received a letter from A.R.M. Solutions, Inc. at XXXX. XXXX XXXX, XXXX, Ca XXXX a collection agency. All this time the XXXX kept calling to get us to take the paper. Finally someone offered my husband the paper at a cheap price for 13 weeks. He said ok, then they told him he would have to pay the {$55.00} for the papers we had not ordered. He told them to forget it. My husband is XXXX years old. He enjoys reading the paper, but not at any price. I do n't like to be taken advantaged of. At the advice of the Consumer Financial Bureau we sent a letter to the collection agency saying we disputed the charge. This is very stressful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with DriveTime (OH).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I was sold a vehice by drivetime and XXXX XXXX-upon trying to switch insurance companies I discovered that my car has a salvage title which was not disclosed to me in any of my loan documents and nor does it show in the banks system according to drivertime and XXXX  I have spent over an hour on the phone with both companies and nothing has been offered to me except for an image of my title and they told me to take the matter up with the XXXX. Drivetimes address is XXXX XXXX XXXX XXXX XXXX, XXXX, Az XXXX please help me at this point I feel powerless and they are not helping 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 05-06-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (WA).
Issue: Trouble during payment process

Complaint: XXXX  transferred t o Selene finan cial and had overcharged me by {$13000.00} Dollars and raised My escrow to {$560.00} when taxes and ins only {$200.00} per mo.      XXXX  charged me outrages late fees along with  Selene Financial when I was in review for modification.       Loan  has been securities and transfe red 7 times af ter mortgage ins paid it off in  2003.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I financed the purchase of my Toyota Corolla XXXX in XXXX XXXX through Toyota Financial Services. I paid off the loan at the end of XXXX XXXX and took delivery of the Certificate of Title from Toyota Financial Services on XXXX XXXX, XXXX. I was however, shocked to read their attached letter which clearly stated that " We encourage you to re-title the vehicle immediately upon receipt of the title/lien release document since all records maintained by your state of residence will continue to reflect our lien on the vehicle until you do so. '' I called Toyota Financial Services to complain that they should re-title the vehicle and not pass the cost to me. The representative who took my call ignored and was informed that I would lodging a complaint with the CPFB. In fact, I even finished paying for the vehicle over four ( 4 ) months before its original maturity date and deserved not to be treated rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NY).
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 contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Checking or savings account (Other banking product or service) with BOK FINANCIAL CORP (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX, a division of BOKF, NA ( the " Bank '' ), is the trustee for a Special Needs Trust ( the " Trust '' ) which was established for the care of a XXXX injured individual ( the Decedent ) who XXXX away suddenly and unexpectedly in XXXX XXXX. The Bank is in regular communication with the father and caretaker of the Decedent ( the Caretaker XXXX, and knows the Caretaker gave up employment opportunities and dedicated himself to the care of his now-deceased son for the last decade. The Bank knows that the Caretakers sole income was a stipend he earned as Caretaker, which the Trust stopped paying after the XXXX of the XXXX. The Caretaker is the primary beneficiary of the Trust.
The Bank has unfairly and unreasonably delayed closing the Trust and disbursing the remaining funds to the beneficiaries of the Trust. The Bank has also refused to reimburse the Caretaker for trust expenses the Caretaker paid out of pocket over the last decade. The Bank misled the Caretaker by indicating it would reimburse his expenses after paying a healthcare lien, yet the lien was paid in  XXXX XXXX and the Bank has not reimbursed the trust expenses paid by the Caretaker. 

In addition, the Bank refuses to communicate with the Caretaker about basic daily administrative items such as vehicle and home insurance for Trust assets. Caretaker lives in a home owned by the Trust and drove a vehicle owned by the Trust until he was forced to report it as a planned non-operational vehicle based on a lack of communication from the Bank about auto insurance. 

The Bank is unreasonably and wrongfully delaying disbursement of the Trust proceeds to the beneficiaries. It is unfairly maintaining control of Trust assets and has made deceptive representations about reimbursing the Caretaker. The Bank is required to file a final accounting in order to dissolve the Trust, has not done so over nine months after the XXXX of the Decedent, and ignores all inquiries about when the document will be filed. 

In fact, in the last communication it had with the Caretaker, via e-mail on XXXX XXXX, XXXX, the Bank admitted it was having difficulty complying with California regulations because it was unfamiliar with California law, stating, I am trying to get this wrapped up as quickly as I can, but am not as familiar with navigating the California rules as I am with Kansas or Missouri. As such, it appears the Bank is misleading consumers by offering services in numerous states when it is unqualified to do so in a competent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Last year in XXXX and into XXXX of this year XXXX, Bank of America Homes Loans had been looking at my loan ( # XXXX ) for a loan modification. During the review process, my Privacy Laws were severely violated, which cause unbelievable damage to myself and my children. An employee of Bank of America at the time, XXXX XXXX, gave my ex-wife, who was not on the loan or had any authorized access to my information, damaging and incorrect information without my consent or knowledge. My loan modification was recently denied and now being foreclosed. Bank of America has a duty to keep my loan information, and any personal information private. The entire loan review modification process of my loan was tainted, and my Privacy Laws severely damaged. I have proof of this with phone records ( texts, e-mails from my ex wife ), as well as testimony from myself, my children, and others. The information was used to slander me as well as torture my children with incorrect information that my ex/wife used to scare them to sleep at night about losing their home, among other threats. The occurrences took place mainly in XXXX, XXXX and XX/XX/XXXX. My life and financial stablility have been crushed by Bank of America 's poor and pitiful attempt to protect my Privacy Laws. I have retained an attorney to represent me, and this is also another financial burden. I would like a response asap as my home is in foreclosure, and my kids and I are going to be kicked out because of Bank of America 's callous and ridiculous actions. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have asked and provided enough information to transunion to delete personal wrong information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all reporting unknown debts on my credit report but have all ignored my requests to provide me with any documentation they have on file which validates the authenticity of these accounts. I sent each data furnisher this request by certified letter on XXXX XXXX, 2016 and to date have not received any such documentation from them. I believe this to be in violation of Section 623 ( a ) of the FCRA. I have notified Experian of this failure by above mentioned data furnishers to comply with section 623 ( a ) of the FCRA, and yet they continue to persist in reporting this item on my credit file. The FCRA states under Section 611 ( 5 ) ( A ), that if they ( the CRAs ) are unable to verify these accounts then they are required to " promptly delete all information which can not be verified ... '' They have ( as of yet ) failed to do so. Please step in to resolve this matter.

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 09-12-2016 about Credit card () with Continental Finance Company, LLC (TX).
Issue: Billing disputes

Complaint: I have not used the XXXX card in over 1 year, I have attempted to close the account on numerous occasions and the autamated system disconects me after a brief hold and recording. I have been threatened by a company on behalf of continental credit that they will persue legal action. I have not received any written correspondance from XXXX Credit card, and my online account shows no balance due as of XX/XX/2016. The acount remains open so they can charge me interest and fees.

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 05/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are 11-12 years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it 8-9 years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation