milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Mortgage servicing was transferred from XXXX company to another in XXXX XXXX. The new mortgage servicer ( Freedom Mortgage - XXXX TX ) did not start reporting information to credit bureaus until XXXX XXXX. XXXX are properly reporting status ; Experian refuses to investigate why Experian is not reporting the information - referring me once again to XXXX Mortgage. My credit score has decreased from XXXX to XXXX since XXXX and as a result of the bad/incomplete information a {$19000.00} unsecured line of credit was closed by XXXX XXXX XXXX and I have been denied a HELOC from XXXX XXXX XXXX. Experian 's lack of cooperation to resolve this matter concerns me as not only am I suffering loss of credit, but I am also concerned about potential impacts to my XXXX XXXX XXXX as the credit score continues to go down.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry

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 12/30/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: When signing up for XXXX XXXX XXXX Cell phone service on XXXX of 2015, I was told multiple times that XXXX XXXX XXXX would not do a hard inquiry into my credit report and that it would not show up on my credit report or affect my credit score. However, the company did do a hard inquiry. I disputed this claim but Equifax determined within 24 hours and getting no documents from me that it was authorized. However, I have screen shots proving that XXXX claims that they will not do a hard inquiry when signing up for cell phone service. 
I have tried multiple times to contact XXXX ; first by using the number provided on the dispute and then calling all the different numbers that XXXX employees give me. I have not been able to speak to anyone at the company about removing this inquiry. 

On this dispute, I also disputed XXXX 's claim, but the company is working with me to remove it. I am also in the process of contacting XXXX and XXXX for the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and BoA without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with " Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. " Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to BoA. 

I have been a loyal customer since the day I opened my first bank account with BoA and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year BoA has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with BoA if your customer service representative had simply just refunded the {$35.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: To our surprise, Chase is being charging us 23.99 % on the credit card and when I called them, they claimed that they had told me this when I signed up for the card which is n't true because I recalled the guy telling me 13 %. Then they said they wanted to check the recording and came back to tell me they did n't said 13 %. when I said I was recording the call and they will provided it to the State Attorney General office, they suddenly left and came back to tell that they ca n't talk if I am recording.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 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: A.R.M. Solutions Inc. has attempted to collect a debt on behalf of The XXXX XXXX ( newspaper ) for an alleged charge I never agreed to. I contacted both A.R.M. ( the collection agency ) and XXXX XXXX XXXX. Both agreed to stop calling, but neither offered to clear the erroneous charge from my record without written follow-up from me, which I believe is unnecessary since there is nothing in either of their files to substantiate that the debt was rightfully charged in the first place. I believe both companies should be warned or charged for both fraudulently originating charges as well as aggressively attempting to collect on such charges, and finally for not promptly and simply taking action to remove the erroneous information from their tracking systems without undue burden on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Delinquent account

Complaint: XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (MI).
Issue: Trouble during payment process

Complaint: Home Point Financial 's servicing agent XXXX XXXX sent me a Notice of Servicing Transfer which was inaccurate. The servicing agent also made multiple misstatements which misstatements made it impossible for me to timely pay my mortgage and more difficult to make my mortgage payments at all. First, they admitted in my prior complaint that their escalation specialist incorrectly and deceptively told me repeatedly that I could only make my first payment by mailing a check. In fact, eventually I made the payment by means of a check by phone. Second, the same agent on XX/XX/XXXX lied by telling me that my first statement had been mailed to me on XX/XX/XXXX. In fact, the notice of servicing transfer is dated XX/XX/XXXX and the first statement was dated XX/XX/XXXX. Their agent simply said whatever he thought might get me off the phone and without regard to truth. Additionally, their servicing transfer notice deceptively says Home Point " began accepting payments from you on XX/XX/XXXX, '' but in fact, they said they were unable to accept a payment on my account during my call on XX/XX/XXXX. I had called twice between XX/XX/XXXX and XX/XX/XXXX trying to make a payment, but they could not even find my account the first time and the second time they found it but insisted I could not make a payment except by mail and with an invoice that they had not yet sent. Further, on this call, they confirmed my phone number, but I specifically told them I did not consent to atds or pre-recorded voice calls on my cell phone. Before I received my first statement in the mail, they violated the tcpa and called my cell phone with an atds and left a message for me with a prerecorded voice. This was a willful violation and is subject to a {$1500.00} statutory penalty. I never consented to auto-dialer or pre-recorded voice calls to my cell phone. Taken as a whole, their servicing is incompetent, untruthful, and illegal. I 'd like an acknowledgement of their servicing errors and misstatements, of their violation of the tcpa, and a credit of {$1500.00} to my account as a result of their willful violation of the tcpa.

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 Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient apparently has issues with how they process their debt collection. Never in my life have I - or my wife - had a student loan. However, apparently someone with the same first and last name as me, who happens to live in the same state, has had a student loan, and they decided to not make payments on it. On more than one occasion, Navient has obtained my wife 's phone number and attempted to call me on it, in an attempt to collect a debt I do n't owe. Every time I talk to them, I tell them the debt is not mine. They verify the birthdate does n't match, and they claim that they 'll update their records to remove my wife 's phone number from this other person 's account. And yet, they have n't done it. I 'm tired of getting these phone calls, and I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: NCA ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NCA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (I do not know) with ERC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. ERC has received payment from through deception and misrepresentation. I have not done any business with ERC previously and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Can't contact lender or servicer

Complaint: I filed my claim to ACE Cash Express Refund Program well before the deadline. Now the phone number does n't work and I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Credit card) with Convergys (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call constantly, but now they are texting me saying they are 'on their way, ' like a threat. They, Encore Receivables, did not disclose who they were ( I only know from googling their number ). I have spoken with the original creditor, XXXX XXXX now XXXX XXXX, several times, and have been making payments. Also, XXXX told me that Encore 'would not bother ' me as long as I was working with XXXX, and this was not true. The number I received text from was XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Struggling to pay your loan

Complaint: I had a line of credit with Advance Financial but during the loan I got laid off. I was paying a monthly minimum to keep the loan from defaulting. I was offered a settlement of {$500.00} to settle the loan ( they recorded this offer ). When I called back to pay the loan off, the offer had changed dramatically to nearly {$3000.00} which I can not pay. The ridiculous interest is so high ill never be able to pay this off. I want the originally offer of {$500.00} enforced so i can end this mess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am not really sure who to complain about. I was delinquent on XXXX Capitol One cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing Capitol One, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX XXXX XXXX, attempting to collect. I looked at my credit report and saw that both Capitol One AND XXXX were listed as companys that I owed. When I contacted Capitol One, they told me that they sold my debt to XXXX XXXX. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented Capitol One? If so, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: I went to US Bank to get a home equity line and the appraisal was completely botched. I mean they used comps that were a year old and average prices for my zip code were up 13.7 % versus last year. It appears that the appraiser was completely incompetent or the lending department gave him instructions on a number to come in at.

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 08/20/2015 about Mortgage (Home equity loan or line of credit) with TCF NATIONAL BANK (MI).
Issue: Loan servicing, payments, escrow account

Complaint: This is a new complaint about TCF Bank. Piggy backing complaint XXXX. 
As most of the issues from the above complaint have been resolved after about XXXX months of XXXX from TCF Bank, we have repeatedly asked TCF Bank to send corrected statements for this XXXX mortgage account with an amount due and due date. This has not been completed yet and we have spoke to many TCF people. We paid our XXXX XXXX mortgage payment and the clerk said she would send an updated statement XXXX days ago and still no statement. We have asked XXXX in TCF call center in Colorado, XXXX XXXX VP in XXXX TCF, as well as another call to the normal XXXX that we make our payments to and have not received the requested hard copy of our statement.

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 03/27/2015 about Consumer Loan (Vehicle lease) with VW Credit (NY).
Issue: Managing the loan or lease

Complaint: I was charged by Volkswagen Credit XXXX for wear and tear upon returning my lease vehicle. This bill came almost XXXX months after I dropped off the car. To dispute the charge, I paid the bill with an XXXX card. Supporting documentation was submitted to XXXX and on my behalf, they waited for a evidence and a reply from VW to support their claims of the damages, but there was no reply. After almost XXXX months, I was then issued a credit of XXXX ( minus the return fee of {$350.00} which I paid ) from VW. A few weeks ago VW sent me another bill for XXXX. They called and threatened that the charges would go to a collection agency if not paid. [ In addition to this over a year ago, the maual transmission, for the same car in question, failed on the highway. VW claimed abuse, and I was charged over {$2000.00} for a car barely XXXX years old. According to them XXXX other women have had the same issue and was not aware they did not know how to drive a stick and was responsible. They offered this unsolicited information despite the fact that my previous car was a VW XXXX as well. XXXX stepped in and disputed the charges and I was issued a refund. ] Because of their questionable practices I decided to return my car a month early and paid my last month 's payment early. This was a clean car that I returned. The has a parking space both at work and at home and rarely parked on the street.

Company response to consumer: Closed with monetary relief