milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Shopping for a loan or lease

Complaint: I applied for a Home Equity Line of Credit with Bank of America ... I have been with them for 19 years and am a platinum preferred customer. At application, I explained that I wanted the line of credit to fix my decks on my house. At that point I had not started the project and they did not inform me that in order to receive a loan, the project could not start - in fact, the duration of the process took so long that that I was at risk of losing the contractor and price we negotiated. 

I provided all the documents and everything was fine, but the automated appraisal came through a little lower than expected so they suggested they send out an appraiser for a full walk through. I said okay, but that extends the time it would take them to fund the loan. About 1.5 weeks later, the appraiser came, but at this point I had to start the project ... they were doing construction when the appraiser came and he mentioned that they probably would n't fund the loan with construction ongoing - I said, that was silly as they knew that was the purpose of the loan. Sure enough, when the appraisal was received and reviewed they told me they could not complete the loan until the decks were complete ... I was floored as they knew that was the purpose of the loan and they are the ones that slowed the process. They claim there is some liability if they fund the loan and someone got hurt, but that was never disclosed. On top of they they could see my insurance and umbrella policy with over {$1.00} XXXX in coverage, which should have been considered. Instead they said they could not move forward and no one would do the loan not just Bank of America. They then told me I have 30 days or the loan application would be closed. To me this whole process is offensive as it was not disclosed that I had to wait until the loan was approved especially when i was going to lose the contractor and I am doing the work on the house that I said I was going to do when i applied for the loan. Now I am in a bind and if I do n't find alternative financing, could be suit by the contractor for non-payment or have to max out my credit cards to pay for the supplies at a double-digit interest rate ... this does not make sense to me. Note they would have approved the loan without the walk through appraisal, but it would have been at a higher rate. So because I got the appraisal, I invalidated the loan because they actually saw i was doing the work, I said I was going to do.

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 06-09-2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Kay jewelers has been incorrectly reporting a over 6 year old debt to my credit bureaus. It has been reaged every time it was sold off to another collection agency and is still in the name of the original creditor who no longer holds the debt.The XXXX now owns my debt and has been unable to validate the original date as it has been closed and in collections for over 6 years. They are refusing to remove the negative account on my credit reports and have been negatively effecting my credit score each time they reage my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Services, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I paid off another account a couple of years ago with COLBRSRV and then they decided to add this debt to my report after I paid off the other debt. I have never been to XXXX before. I have asked for a copy of their investigation, but they refuse to provide it. I have also asked that a HIPAA Compliance officer provide signatures and any other documentation that shows that this is my debt, but nobody is providing anything. There are XXXX debts from XXXX on XXXX totalling XXXX and XXXX debt on XXXX totalling XXXX. Neither of these debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to annualcreditreport.com and got my report. Only XXXX provided a report and score. I then contacted XXXX and reached them quickly. They noticed an account that belonged to my deceased father on my account that prevented them from giving me a report. 
They quickly moved to remove that account and it is in process to be fixed. 
On the other hand, any attempts to get a report or contact Experian has been futile. 
Every time I either try to sign up online for a report or start a dispute, I am kicked out of their system/webpage and any attempt to reach a person to help me has gone to dead end menus on their system. I know there is some reason why my Experian score and report can not be obtaned, but there is no way I can get through to them online or by phone. 
Please help as Experian is impossible to reach and there system is not letting me get anywhere. 
Thank you very much for your help, XXXX XXXX Concerned Citizen Consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In  XXXX  , 2015 I disconne cted services with  XXXX  prior to the contract end date. I knew I would have to payout the contract so I continued to make payments as well as being issued a credit from  XXXX  corporate offices when I called to complain about the representatives low level customer service abilities. I requested an itemized statement of final charges from  XXXX  reflecting all payments as well as the credit. I never received the information but in turn  XXXX  turned the account over to the  XXXX  collection agency, I notified them within 30 days in writing that the account was in dispute and to cease any attempts to coll ect ( they complied ). I sti ll never received the information I requested from  XXXX  and they in turn sent the account to the  XXXX  collection agency, I notified them as well within 30 days in writing that the account was in dispute and to cease any attempts to collect ( they complied ).  XXXX  continued to not provide me with the information I requested but they in turn sent the account to a  XXXX  collection agency. I notified the  XXXX  collection agency via fax and in writing within 30 days that the account was in dispute and to cease any attempts to collect. They instead put the account on my credit report which has now put a negative mark on my report. I contacted them advising them that they were notified via fax and in writing that the account was in dispute and they were not to put it on my credit report or continue to collect. I stated that they were in violation and they are to remove that from my credit report. It was stated to me  by one of their re presentatives, that as long as I " owe '' that amount it will remain on my credit report.     I then contacted  XXXX  corporate office, escalation team again and stated this is ridiculous for it to have gone on for a year and a half when all I requested was an itemized statement of the final charges. I also informed the rep again, that I was not disputing that I owe  XXXX  I was disputing the amount and by law they were required to give me that information.     After almost anoth er 2 we eks the escalation rep at  XXXX  stated he could not make sense of their records and out of the good of customer service, would issue me a {$300.00} credit toward the final amount of {$430.00}, which would make the final amount {$130.00}, which was paid.     I worked really hard to get my credit back on track now only for this collection agency to disregard the notifications I sent, not listen to what I was saying and to put this blemish on my credit report. Now because of their form of bullying, I have to hold off longer on trying to buy a new home.     Thank You,  XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My mom applied for student loans from Sallie Mae when I started college in XX/XX/XXXX. I had no idea how to address paying for college or what applying for a loan entailed, so she took care of that. I just graduated in XX/XX/XXXX and my loans are about to be in repayment. I was just handed my password to the account and saw that interest has been acquiring the whole time on twelve different student loans. I have called Sallie Mae on multiple occasions asking if I can consolidate my 12 student  loans or if they had any income driven repayment programs. They repeatedly informed me that neither were possible and that I should try reaching out to my cosigner. They keep encouraging forbearance, but that is only going to be a short-term fix. They want me to pay over {$1500.00} a month and I only make XXXX a year. The interest rates on my TWELVE different loans range from 9 % to 11 %. They are offering no realistic options and I ca n't afford any of the options that they are giving me. 
They are the most unhelpful company I have ever encountered and I am going through a financial hardship because of them and their lack of help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and XXXX. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I worked for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX XXXX in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XX/XX/XXXX/XX/XX/XXXX almost the same dates as I worked for them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Current debt collector is Credence RM. This was submitted to them for collection by XXXX XXXX XXXX. This is probably the 3rd or 4th collector. This has been removed from my credit report multible times yet only to reappear. The original dispute was for a cell phone purchased from XXXX & XXXX They sold me a phone knowing they did not have coverage in the area at the time ... not sure if there is coverage now..do n't think so. I have a written transcript from XXXX XXXX XXXX guaranteeing coverage in that area. When I could n't use phone I cancelled plan and the bill they are trying to collect is for cancellation fee. This is uite ridculous to sell a product knowing you ca n't use it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). 

Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (LA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: On XXXX_XXXX-XXXX I made an attempt to Register and Create an online account with my American Express credit Card. the system asked for my mother 's date of birth. Needless to say I do not know it because we are trained not to carry or use someone else 's " Person Identifiable Information '' ( PII ). I contacted American express on XXXX-XXXX-XXXX by Express Mail with a copy of my certificate of completion on " Security of Personal Identifiable Information '' ( PII ) and asked if I can have that portion changed ( Security ), because I do not know my mother 's birthdate. also, I asked that I be contacted in writing and not by telephone, ( I had telephone technique training ). I was still contacted by telephone. A XXXX or XXXX XXXX XXXX asked to give her a call from voice mail message, XXXX extension XXXX. I called her and she stated that all I have to do is give the month and day of her birth and I told her it is still my mother Identifiable Information regardless, because month and day ID her and not me. XXXX or XXXX XXXX was very adamant that this will not be PII violation. My complaint? To make you all aware that we will never get credit card fraud under control and Cyber Security corrected until these people in corporate places learn to cooperate with government and revise their settings and profiles. I quit looking for Justice with these complaints ; there are no resolve to my personal issues. I WILL NOT REGISTER MY CREDIT CARD ONLINE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a telephone call from a XXXX XXXX XXXX representative in regards to XXXX credit card account : XXXX. I was asked by the representative did I apply for a XXXX credit card account. I informed the representative that I have never applied for a XXXX credit card account, someone stole my personal information and identity, applied for the XXXX credit card and has been impersonating me for years. I am a victim of identity theft and has been a victim of identity theft for 11 years. I have never ever applied for a XXXX credit card account. The XXXX credit card account : XXXX do n't belong to 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 05/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried contacting Pinnacle Credit Services LLC for the past year and a half to verify a debt that has been reported on my credit report and have not received anything in writing. Whenever I dispute the items on my credit report, they come back 3 months later and report back again. They hired another company that has been calling me and unable to verify the debt either. Apparently this so called debt has been in existence for 8 years which has already passed the statue of limitation for them to collect. The credit reports are also still reporting it even when I have disputed this item numerous times. Please help. This organization is in violation and they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft. 
XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Homebridge financial in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case Homebridge Financial. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Making/receiving payments, sending money

Complaint: Key Bank failed to deliver funds by the " guaranteed date '' to a payee from my checking account.

Company response to consumer: Closed with non-monetary relief