milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: First Citizens Bank is reporting an account in my credit that is past the age for reporting. Not only that but this debt was not due to any fault of mine. My bank card was stolen in 2008 which is when this occurred. I went to the bank to tell them. The manager told me to fill out a police report. I did so. I was then told not to worry about it because they would take care of it. Well that never happened.
Recently, I go to buy a home. This is on my credit. I write to them and they send me an affidavit to fill out. I do so and then ask them to get this off my file because it is too old to report and nothing.
I sent the affidavit certified signature receipt because I wanted to ensure they got it. I have allowed 2 months for them to respond, remove it or something. The account is still being listed even after filling out the affidavit. The police no longer have the report because their records do not go back that far. First Citizens have also been notified it is past the age to legally report this debt. Yet somehow, it is still listed. 
They are violating laws established for reporting on someone 's credit report. I want this removed today.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have asked Trans union to remove this account for numerous reasons. Number XXXX, my social security is the account number. Number XXXX this same account is listed XXXX times on this credit agency and since XX/XX/XXXX. It needs to be removed. Please help me with this. 

XXXX # XXXX IXXXX XXXX, WI XXXX ( XXXX ) XXXXXXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : STUDENT LOANBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXHigh Balance : $ XXXXXXXXPay Status : Current ; Paid or Paying as AgreedTerms : {$140.00} per month, paid MonthlyDate Closed : XXXX/XXXX/XXXX & gt ; Maximum Delinquency of 120 days in XXXX for {$980.00} and in XXXX for {$1000.00} & lt ; Remarks : TRANSFERRED TO ANOTHER OFFICEXXXX have asked for method of verification and never recieved. I will relieve this complaint if they remove this inaccurate entry. They have been very helpful in the past. Please ask them to help with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: American Express is reporting a Delinquent Account. After two attempts American Express was unable to provide me with my signature and prove that account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with CITIBANK, N.A. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call every XXXX min at least XXXX per day.  I work during the day so I can't leave to pick up my personal cell phone everytime my phone rings. I have told this company before that it is to the point of harrassment since they call so frequently and NEVER leave a voicemail with this specific phone number. I have told them before to leave a message and I will get back to them when I am free.  But they have not honored my request.  They said it's an autodialer and they can't control it.  That doesn't make sense at atll!  I would love to call them every XXXX and hang up--see how they like it! Ridiculous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I have been authorized by my mother to file this complaint, because she does not know how to use a computer. My XXXX year old mother purchased a XXXX XXXX XXXX vehicle XXXX from a local dealer, the interest charged on the loan is 20.45 %, the car cost {$12000.00} the finance charge on the car is {$9100.00}. My mother was not aware of how much this car cost, she was paying on the car until I requested the contract to see why after 3 years her payoff for the vehicle is {$10000.00} and the car is only worth {$3400.00}. I spoke with the car dealership because there was a {$2400.00} charge for SGuard plan which she never received information on and this charged was include with the cost of the vehicle. I am finally this complaint against this company Santander Consumer USA why did this company charge such a high rate and if her credit was bad at XXXX years old, why did they advise her they could not do this loan. I check on line regarding this company, they have a high rate of repossessions in Florida. I truly believe they need to be investigated for Predatory Lending Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I went into Bank of America to transfer my IRA from XXXX XXXX to Merrill Lynch. 
Silly me. 
The account was opened using my Social Security Number but in the wrong name, " XXXX ''. VERY SCARY. How do they ( XXXX ) get away with this level of incompetence? 
See the attached letter from Merrill Edge. 
For the record, my name is " XXXX ''!!! 
I have talked to Bank of America, Merrill Lynch and Merrill Edge 9 or 10 times so far, to stop sending me correspondence in the WRONG NAME. Each customer service person is very nice and their claim, " I can fix this for you! ". LIARS The computer still sends out notices in the wrong name despite my many calls to them to STOP sending mail in the wrong name! 
HOW CAN WE GET MERRILL TO STOP, FIX OR ELIMINATE THIS SITUATION THAT THEIR INCOMPETANCE CREATED?

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 12/28/2016 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The calls began a couple of months ago. My son received the first call- a woman asked for me- he asked for her information so he can relay who was calling- She began yelling at him stating to get me on the phone or I would be arrested and sued for an owed debt- the woman was aggressive so my son ended the call. Shortly after I received a call from the same woman ( before I knew my son had just spoken to her ) - She refused to say who she was or what my debt was- she demanded I give her my address and to prove my identity to her- I stated that was not going to happen- she became angry screaming at me so I hung up- my phone rang 3 more times from that number that night & every night since- there is always an auto generated voice mail saying to call wakefield & Associates XXXX for a debt in Colorado- I have never been to Colorado and do not have ANY past debt. The continual calling & harassing & screaming is out of control. Please advise what I need to do to stop this company from this harassment

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past two weeks I have contacted : XXXX XXXX ( a Capitol One service ), Capitol One, and XXXX ( who provides the service information to Capitol One ).
This complaint concerns XXXX XXXX reporting, the failure of Capitol One to address the complaints, and XXXX for failing to provide the correct information in a timely and reasonable manner.
I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT Capitol One - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and XXXX  fails to act on the deletion.
I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months.
In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %.
I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've been submitting the information to be removed from my credit report about bk-dismissal and XXXX and Equifax are the only bureaus that keep reporting to my credit report. I 've called the court and they informed me that they do not report to the bureau. I 've been disputing this for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/2018 the amount {$1400.00} I sent a dispute through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I recently got laid off from my job. 
I went online to get information to file for my unemployment benefits with California XXXX. 
On XXXX the first link had the California edd.gov so I clicked on what I thought was the right link. It had the XXXX screen so I began going through the process when a window popped up requesting I fill out a form for my credit report. I thought it a bit strange but that maybe this was a new process for unemployment! As I continued filling this information out and providing my bank information I realized that this was most certainly NOT correct so I closed out the screen and found the right link. 
Unbeknownst to me I signed up for a Transunion monthly report!! When I saw the fee debited against my bank account I called Transunion. They cancelled my subscription but refused to refund my {$19.00}. I want this company to refund me my money. They are preying on people by putting up a phony link to the XXXX! 
The date that I mistakenly signed up was XXXX/XXXX/2016 and the charge was taken out on XXXX/XXXX/2016, I do hope you can recover this for me as being unemployed every penny counts plus this is a consumer fraud. The link was intentionally put there to look like the official California XXXX link. Buyers beware ... ... .Very upsetting

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 01-02-2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Trustee Attorney, XXXX XXXX XXXX, XXXX XXXX and their subsidiary and Trustee, XXXX XXXX XXXX XXXX ( XXXX ), misrepresented material facts related to the excess proceeds during the hearing ofXX/XX/XXXX. Specifically, XXXX XXXX XXXX, XXXX XXXX misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance while they were " conducting post foreclosure activities '' and only submitting the principal balance to the California Superior Court, case number XXXX. Also, the Trustee and Trustee Attorney misrepresented the amount of the debt and sold the debt associated with the XX/XX/XXXX Bank of America, N. A. Trust Deed and note for almost {$90000.00} less than the amount actually owed at the time of auction. This was done in order to sell the debt because no one buys a debt if they ca n't turn a profit. If all of the debt was included, it would not have sold at action since the total amount owed would have been equal to the fair market value at the time of auction ( XX/XX/XXXX ). 

Currently, Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and the interest gained or should have been gained on the excess proceeds while the Trustee Attorney was in possession and control of the excess proceeds for at least six months and all other previously requested desired resolutions.

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 12-01-2015 about Credit reporting () with Credit Technologies, Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A credit report was run for me as I 'm trying to get a mortgage. A debt collection that I paid off with a {$0.00} balance in XX/XX/XXXX is being reported as a {$0.00} balance every month by the collection agency. The report comes back and shows the most recent report of a {$0.00} balance as XX/XX/XXXX instead of the date it was originally paid off ( XX/XX/XXXX ). The credit reporting company ( I assume ) must be looking at the most recent report of a {$0.00} balance instead of the first date it was reported as a {$0.00} balance ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received frantic phone calls from my secretary today, stating she received a call from XXXX XXXX, and that I had 2 hours to call him, or they would send out the police, that I was being sued for not paying my bills, she said I was urgent that I called within 2 hours. I called XXXX, was put on hold, then asked if he could help me, I told him I was returning his urgent call, gave him a case number XXXX, I asked him what this was regarding, he repeadely said, well, you called me? I told him Again I was returning his call, and repeated what was told to me, he said that I was being sued, that he did n't call me, that must have been the constable trying to serve me? I told him AGAIN, I called him back due to his call, he kept on saying that he did n't call me that it was the constable trying to find me??? we went through this for about 5 minutes, he told me that he would have me re served today within 2 hours! I told him I am standing by! my husband called him about 30 minutes later and asked what this was about, XXXX told him he could not speak to him without my permission, which I gave, my husband asked him for his name and address XXXX told him " listen dude, this is not no XXXX XXXX..my husband told him that we will get to the bottom of this and XXXX hung up on him.

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 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient continues to try to collect a full payment ( monthly ) by requiring me to reset the online payment amount shown on their website ( on a monthly basis ) in order to pay the agreed upon income repayment plan amount. I can not enroll in the automatic online repayment or the full {$1200.00} will be taken from my bank. So every month I pay manually ( online ) by going in to 'reset ' to the lower amount prior to submitting my payment. I asked Navient about this and they said I ca n't remove the higher amount. So I tried paying the higher amount down- but it ca n't be done. It just renews to the {$1200.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (I do not know) with AMERICAN EXPRESS COMPANY (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Companies keep calling - AMEX called me this morning at XXXX in the morning. I have told them to quit calling me because they are seeking a person named XXXX XXXX ( unsure of spelling ) and I keep telling them my name is XXXX XXXX and I do not know how this person is. I have my number on a DO NOT CALL REGISTRY and AMEX called me at XXXX this morning and woke me up. I asked multiple times to for them to identify themselves and he kept asking me for this XXXX XXXX and would not identify the company name. I had the caller on my caller ID so I called it back to get the identification of the company and found it was American Express. I gave them instruction never to call my number again - but have given instructions in the past. I do not want people calling me at XXXX in the morning. I need help and if I need to get an attorney to sue AMEX for this harassment then I need your direction on what steps I need to take. I could understand if it was me with the debt issue, but I have no credit issues with anyone. I want this harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Mortgage debt) with ProCollect, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This collection agency is reporting on my credit reports for a debt that has never been mine. Someone has used my information for an apartment that I have ever stayed at. If they did a skip trace, look at any recent inquiries or credit reporting reports this address has never been attached to me. I stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX from XXXX through XXXX. Then, I moved to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX where I am still residing. This is not my debt, I pay my rent timely. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I purchased a home in  XXXX  in cash for {$14000.00} and then refinanced the same year through  XXXX   XXXX   XXXX  for {$30.00}. I was involved in a car accident in  XXXX . This caused me to fall behind in my payments. I still tried to make the mortgage payments but  XXXX   XXXX   XXXX  began to stop taking my payments. A short time late r Ocwen Loan Servicing introduce themselves as the new Leander that was taking over the loan. I began  to work with them in regards to getting an affordable modification. They modified the loan but the payments were not affordable for me. I tried to continue to work with the bank in getting payments i could afford so that I could keep my home. But to this day no resolution had been reached. Currently I had been notified that there is a Foreclosure day set for  XXXX / XXXX / XXXX . Also at the same time Ocwen notified me that they owed me {$1100.00}. The check was also enclosed with the letter. This settlement was given to all borrowers that they tried to foreclose on between  XXXX   XXXX   XXXX   XXXX ,  XXXX  and did not follow through with there actions. At this point I do n't want to loose my home behind unwillingness from this bank to assist in helping me to obtain a affordable modification. I would appreciate any help or assistance your institute can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : 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 non-monetary relief
Consumer complaint received 06/13/2017 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: Account status incorrect

Complaint: XXXX   XXXX     account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX .   XXXX   and Transunion are both still reporting this account as late for a payment status instead of paid. Also,   XXXX   is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.

Company response to consumer: Closed with explanation