milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2017 about Debt collection (I do not know) with BTH Management (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at the company. I am not sure how the alleged debt originated, I am a victim of ID theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On  XXXX /17< I contacted   XXXX   XXXX   regarding an my inability to open a checking or savings account and wanted information on the cause.  I recived a copy of informatin from   XXXX   XXXX   and began to due the inaccurate information for Bank of America.  I had disputed the same information with another company called   XXXX   XXXX  , unsuccessfully.  
On  XXXX /17, I received the ecnlosed infromation along with a copy of a check bearing a signature, that "IS NOT MY SIGNATURE". On  XXXX /17, I immediately called  XXXX , that   XXXX   XXXX   said should be used for BOA, they transferred me five(5) times and still no results.  I asked of the Collections depat of BOA, where can  fax my State Id and Social Security bearing my SIGATURE, but they do not have anyone or anywhere to send the information. BOA HAS ACCUSED ME OF FRAUD, I HAVE NOT BEEN ABLE TO GET A CHECKING OR SAVINGS ACOOUNT BECAUSE OF THIS INFORMATION, AND YET THEY HAVE NO ONE WHO CAN HELP ME RESOLVE THSI!!!

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 04/15/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Blitt and Gaines, P.C. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Blitter and Gaines are trying to collect on a disputed debt that has reached the statute of limitation and trying to collect on this disputed debt from out of my state.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in  XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on Equifax, XXXX  and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in XXXX from all XXXX and XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as Equifax, XXXX and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Experian during the month of XX/XX/XXXX regarding information showing XXXX late payments ( XXXX ), and XXXX missed payments with XXXX. The XXXX contacted me on XX/XX/XXXX and communicated that the information being reported by Experian is not correct. Today, when I viewed my credit reports is states that, under " Payment History '' that there are XXXX late payments. However, when I click on the late payment icon it states that " Experian has not negative accounts on file or you as XXXX ''. However, this is inconsistent with the statement of " XXXX late payments '' on the dash board. Also when I click on what 's affecting my score it states the following : 1 ) XXXX no payments and XXXX late payment. This incorrect and inconsistent information is negatively impacting by ability to secure credit at a fair rate. This week, XX/XX/XXXX and XX/XX/XXXX, I contacted Experian 5 times and each time I was transferred to another dept, and at this time the issue is still unresolved. How can an organization be allowed to report inaccurate information that will have a negative impact on people lives.

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 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX 2017, I mailed a formal complaint requesting verification or deletion. Some time after the 30 dyas I received a letter without the verification. Per the court, no information is supplied to credit bureaus.

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 09/29/2015 about Debt collection (I do not know) with Municipal Collections of America, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from this number XXXX asking for XXXX XXXX. There is usually a real agent on the phone and i have told them on at leas XXXX occasions to take me off their call list because this is my work cell phone. I continue to get these calls without fail everyday at XXXX. 
I have also received automated collection calls from other numbers from different area codes for this person ( at different times in the day ) which mention that this person ( XXXX ) is being collected on for unpaid debt. For some reason they have my work cell.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My husband and I have been customers of Bank of America for XXXX years. 

We have a checking account, ATM cards, XXXX credit cards, a business account and a brokerage account with them. 

My husband and I are law abiding citizens who have white collar jobs and work hard. 

We received a notice in the email from the Compliance department asking my husband to verify some information. He tried calling but hold times were always XXXX mins or above when he tried to call. 

He did the next best thing. He went into a Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and provided all the requested information and was assured that everything would be fixed. 

The next thing I see on XXXX was that my account was frozen. I go to the bank and they said that the compliance has all the information they need but they need to speak to my husband ( who was travelling for work XXXX to release the freeze. 

By XXXX the account was closed and a check shipped off to my address. I have several bounced check fees. To make matters worse, they sold off XXXX of shares in my brokerage account making me susceptible to a large amount of tax without my express approval. 


This is JUST UNFAIR. No one at Bank of America XXXX not the bank manager/compliance dept/service rep ) seem to have any power/concern to fix this issue. 

We need justice!!!! COrporations should NOT have the power to wreak havoc on people and should provide the right measures to collect information ( in this case non -critical ) My husband is a green card holder and I am a citizen. My husband works for a top XXXX accounting firm and his direct deposit has been coming to that account for XXXX years. 

They only needed the immigration status and work information and they did this to us. Worse, they acted like there was no one in the ecosystem who could help.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. XXXX, XXXX, and Equifax. The debt has been paid. The account shows a zero balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Reverse mortgage) with CHERRY CREEK MORTGAGE COMPANY INC. (MD).
Issue: Settlement process and costs

Complaint: I believe 1st Reverse Mortgage ( XXXX XXXX ) is a predatory company. They contacted my uncle ( XXXX years old ) about a reverse mortgage. He signed paper work and when asked for it, he could not locate the paperwork. I contacted the company and asked for a copy of the paper work but was told they are not authorized to talk to me. I understand that because I am not on any of the paper work. I am not sure of what to do next in this situation. Is it possible to have 1st Reverse Mortgage investigated for using predatory practices?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to XXXX XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I sold tickets on XXXX. Two days AFTER the event, the buyers reported to XXXX that my tickets did not work. I tried settling it out with XXXX and did what they asked me to do. I contacted XXXX XXXX XXXX ( the venue ) to ask for a scan report for the event and my tickets, and they told me they are unable to send me the scan report because they do not keep scan reports. I then contacted XXXX ( original ticket selling website for the event ) and asked them for a scan report and they told me they do not have scan reports for the event. I emailed XXXX all of my conversation transcripts with both XXXX XXXX and XXXX. I also emailed my original order receipt for the event. XXXX emailed me back saying they understand that it is beyond my reach to obtain the scan reports. Then I saw on my bank account that they immediately took out the money from my bank account. I asked XXXX for proof that the buyers really were not able to get in with my tickets, and any other proof that they did not just reported me just to get their money back even though they got in to the event. XXXX NEVER replied to my email after they have already taken out the money from my bank account. XXXX did not show me proof that the buyers were not lying, and I did everything I could to cooperate and get all the information that I could. I disputed this charge to Bank of America, but they decided to close the case in favor of XXXX. I would like Bank of America to research this further and help me obtain the proof that I am asking from 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 09/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Convenience checks

Complaint: On XX/XX/2016, I checked my credit card account online after receiving an email regarding my balance almost hitting its max. When I checked online, I notice that convenience checks were cashed on my account. I contacted the credit card company to dispute the transactions. I also advised them that I do not wish to opt-in to receiving those checks as I have never used them. They advised that they would opt me out and it would take 60 days. Today I received convenience checks in the mail again more than 60 days after I requested it to be stopped. The company has not followed through with protecting me from being a victim or protecting my account from being compromised. This makes no sense that a company would allow its customers to be compromised for a second time after they requested them to stop sending checks.

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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I submitted XXXX requests to Wells Fargo Credit Bureau of removing a comment from my credit report. The notices were sent via fax through secured fax machines of Wells Fargo branches. I was also informed by the Wells Fargo Banks that no phone is available for the Wells Fargo Credit Bureau. I never got a response from them and have no other methods to contact the department. 
I filed a complaint with Bureau of Consumer Financial Protection ( case # XXXX ) that XXXX Credit Report agency failed to correct mistakes on my Wells Fargo Mortgage accounts. The response from XXXX pointed out that the source of information comes from Wells Fargo. 
As there is no channel for me to contact Wells Fargo Credit Bureau, I am seeking the help from CFPB. 
The Wells Fargo mortgage accounts were closed in 2011. Their account numbers were : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. The 3 months of 30 days late and no information on XXXX are reporting mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (I do not know) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a contract with XXXX back 2013 and quit the contract 2013 and paid off all my debt, ever since then i never had anything again to do with XXXX, only for me to see this year a collection agent sent me a note of debt from XXXX, then am preparing for deployment which i am now on deployment, the collectors threatened to report it to credit report, as i check my credit report i notice a negative report from the collectors about a debt with XXXX. I never knew this collectors and am not owing XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (MI).
Issue: Trouble during payment process

Complaint: Dear Supervisor, I have asked for the servicer to provide information on the account. They ca n't seem to locate it. In the dispute is the amount owed {$78000.00} verses {$110000.00}. Because this was sold to them by XXXX XXXX XXXX XXXX. in the last two weeks. Also, we are asking for further information for Modification. A Qualified Written Request is needed to establish the exact amount owed as soon as possible because we DISPUTE the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Wells Fargo Bank is not providing info to XXXX XXXX my bank info like they are requesting.

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 06-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: my name is XXXX XXXX, my business address is XXXX, florida XXXX, I have an XXXX, on XXXX XXXX, I open a commercial account on bank of America, a week later they close the account with a positive balance of XXXX $ with ought any explanation and refer my account to a risk department, when I call to the phone number that they give me XXXX, they talk me that they will sent me a check with my money, I never receive any check, when I call in several occasion they said that the check was return to them, I was very surprise because I am in the same location for more than XXXX years, so on XXXX XXXX they said to me that they will recent the check to my house, XXXX florida XXXX, again I do n't have nothing in my mail. The only I receive is a bank statement with a XXXX $ balance and withdraw from bank of America of the remainder balance of {$2000.00},. the time past and past today is XXXX XXXX 2015. also I went to XXXX of the location of bank America, and XXXX of the employee, that call the risk department on XXXX XXXX, that now I have to wait XXXX months, and if I like or not I have to wait. I ca n't believe that even do a bank can close an account with out any notification they cant take my money that was money for the salary of our employees, I need my money as soon as possible and really I hope that you can help me with this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed this account on my credit report with XXXX XXXX XXXX XXXX. I have no idea what this is and how it ended up on my credit. I disputed this XXXX x to XXXX, XXXX, and XXXX. XXXX  verified that this was not my account and that the company did not respond in time and they deleted it from my report. Well XXXX and XXXX keep coming back saying it is verified because my name matches what the company has on their automatic report. This is not valid proof of the debt and is violating my rights to continue to have this on my credit report when it is not my account and is not being accurately verified.

Company response to consumer: Closed with explanation