milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly protected my most personal information and allowed it to be leaked to unknown parties which could negatively impact my finances. This potentially could cause difficulties and stress at a later date for me and my family. I have placed a 90 fraud alert on my account, however, after the 90 days, I would be unprotected and my information is still in unknown hands. After the 90 days, I am still at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Deposits and withdrawals

Complaint: Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Bank of America. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. BAnk of America is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Bank of America. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/17/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for bankruptcy and it was resolved XX/XX/2016. Citi Mortgage refuses to take my name off of the house. I called and spoke with several people pertaining to this matter and was given the run around. Several of the employees refused to give me Citi Mortgage bank information so I may contact them and have my name taken off the property. I 've called them several times to let them know that the house was surrendered back to Citi Mortgage. XX/XX/2016 I spoke with XXXX who told me the foreclosure processes for my house should be over within 5 months ( XX/XX/2016 ) and that 's not happened. I 'm still receiving letters from Citi Mortgage with information that I did not request. What I request they refused to give me. They refused to help me with anything I asked for.

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 11-10-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE INVESTMENT TR (FL).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX I contacted Reverse Mortgage Funding LLC to negotiate a reverse mortgage. I asked for {$5000.00} at closing for upgrades on my master bathroom, and {$1000.00} a month. Closing was on XX/XX/XXXX. My house was appraised at {$210000.00}. Everything went very smoothly and XXXX was easy to deal with. I received a monthly statement which included a " Credit Draw Request Form ''. 

In XX/XX/XXXX, I contacted XXXX and requested a draw of {$25000.00} to add a garage to my house. I was told I would have to apply for a NEW reverse mortgage and get a new appraisal, which came in at {$220000.00} ( without the new garage ). The XXXX agent sent an email stating the I could only draw {$20000.00} plus {$1000.00} monthly. A contractor was signed to do the work and he put a lien on the property for the work to be done. XXXX called to say they could n't close until the construction was completed and the debt paid. I paid the contractor in full from my savings, leaving a very small cushion. 

I told the XXXX agent I would like a new appraisal. He said the new appraisal could n't be done until XX/XX/XXXX. I agreed to wait. In the middle of XX/XX/XXXX, the XXXX agent called to let me know that the laws would be changing in early XX/XX/XXXX, limiting the amount I could access. He suggested I should close ASAP. Closing was XX/XX/XXXX, at which time I was told I would only receive $ 17,000+ on the initial draw. I gave the notary a voided check for direct deposit into my account for the initial draw and another voided check for the monthly draw. However, the amount deposited in my account was $ 16,000+. On XX/XX/XXXX, expecting a deposit in my account of {$1000.00}, I was disappointed. I contacted the agent I had been dealing with who told me there was no clause indicating the monthly draw. 

I do n't have a copy of the closing paperwork. I believe the notary took my copy by mistake.

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 10-04-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: OnXX/XX/XXXX - Receivables Performance Management LLC contacted me about my debt with XXXX. I agreed to a payment arrangement of {$50.00} to be taken out of my bank account to start the payment arrangements and {$25.00} every two weeks there after. 

On XX/XX/XXXX {$200.00} was taken out of my account and on the XXXX I contacted the company about it. I was told they would review the call since all calls are recorded and they would get back with me on a decision about a refund. 

About XXXX XXXX I called them back and was told the call had been reviewed but no decision was entered about a refund. I called back onXX/XX/XXXXand the agent put me on hold to review the call. The agent cam back on the phone and said yes that I was due a {$150.00} refund and the check would be in the mail on the XXXX. 

I called back todayXX/XX/XXXX and was then told by the agent who answered that there was nothing in the system about a check being sent out. I am filing this complaint because this company has done nothing by lie to me about getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to report a released and withdrawn tax lien even though I have disputed the incorrect information XXXX times and have provided Equifax with the XXXX documents that clearly state the lien has been released and withdrawn since XXXX. I am getting absolutely no where with Equifax. Equifax is the only credit bureau reporting this information. Equifax is doing harm to my credit and is causing me distress while I am attempting to apply for a home loan. I can not secure the most favorable rates and terms that I am entitled to. I 've also attempted resolution by speaking with an Equifax XXXX and the Supervisor. My attempts at resolving this myself have failed due to Equifax terrible customer service. I really need CFPB assistance and thank you in advance for your prompt attention to my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This company CBNA made a hard pull on my credit report affecting me by my score to go down several points i never sign up for nothing whit this people and there 's no much of info about this company CBNA XXXX XXXX, SD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. 

National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant. 

A pay stub to prove that the tenant was in debt in regards to damaged carpet? 

This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquires were deleted from my Transunion credit report then added back later.

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 07/20/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: Chase Auto Finance assessed a XXXX late fee on my account that was 21 days past due. The total balance left on the account is XXXX and I believe this is excessive as most creditors will charge at the most XXXX as a late fee. The excuse I got from the creditor is " that we already gave you an adjustment last month and the system will not allow it ''. I believe they are trying to make up for all the other adjustments they gave during the course of my 72 month loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My loan servicer was XXXX up until XXXX of 2017. XXXX based my payments off of my tax return as that is a better indicator of my financial situation and had me paying about {$40.00} a month. However, when I consolidated my loans through NelNet, I was not given the option to submit my XXXX, nor was I really given the option of seeing what my payments would be until after they closed out my loan with XXXX. In XX/XX/XXXXI received my first NelNet bill which {$120.00}. I contacted them and was told to resubmit my application for IDR and submit my XXXX with it. A month or so later I was sent a bill with {$120.00}. I contacted them again and was told that I should have sent in my XXXX with my original application back in XX/XX/XXXX. I explained to them that I was n't given the option, but they said this was a law. I then contacted them again in XX/XX/XXXX and was told to resubmit ANOTHER application for IDR with my XXXX and my payments would be around {$40.00} a month. A week later I was sent an email saying they could take my XXXX. 

I have talked to other loan servicers and they said they have never heard of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: my mother got a car loan XXXX/XXXX/XXXX they faxed the paperwork to her because she was not in the area, she was planning on moving in with my family and was needing a car that she could use i do not think that she understood the loan she was getting ( my wife co-signed but was not explained about the loan either because she assumed they had done that already ) no one had called her to tell her that the loan she was getting would mean that she would be paying more than double or even triple for this car according to Santander USA she has paid {$22000.00} since XXXX/XXXX/XXXX and still owes almost {$21000.00} but that number never seems to change i had them mail me the loan papers if i remember right the car was $ XXXXand i think about {$2500.00} was put down it is a used XXXX XXXX some reason they said they coundnt qualify for some of the other used cars they had, also this car has continually broken down since the time of purchase ( its a lemon ) my mom lives on social security and i make the payments every month for her but is has been a struggle for me to always pay onetime which has caused my wifes credit to take a bad hit because of all the late pays month payment is {$630.00} the car on XXXX XXXX XXXX has a value of about $ XXXX i hope there is something that you can help us with, it does n't seem right that we are going to end up paying over {$50000.00} for a car that was probably worth around {$13000.00} when it was purchased

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: I asked for my payments to be reduced and filed all the necessary paperwork XXXX and they keep saying it was n't received. I have the fax confirmation proving it transmitted successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau to see if a collection can be rectified. I have tried to request a full accounting of the {$2500.00} XXXX XXXX states is owed to them. I requested that I receive an account summary of my payment history, especially the first date in which a payment was at lease 30-days late. Now I have two collections for the same account posted on my credit bureaus, which is unfair and a violation of the Fair Credit Reporting Act as well as an abusive collection practice according to the Fair Debt Collection Practices Act. Therefore, I request a full accounting summary, not necessarily copies of previous invoices. I believe that at least one of these collections should be deleted as it shows a double negative hit on my credit report, creating duplicity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hi I ca n't seen to get capital one cards at all I been trying for last 5 yrs..nothing yet. I had a business account I had young lady that work for me my husband we XXXX XXXX. ..she work for over several yrs until they caught her she now in pent..serving time for inden. Theft. So she took both of our names my late husband and I scratching all over usa. Now they wo n't even considering me for new card I told them I would b will to put up half deposit for one. But the keep telling me please help me I did n't do anything wrong. Am getting blame for it ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Payday loan) with High Point Asset Inc (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I keep receiving phone calls on my company cell phone and my company landline relating to a debt owed. I am unaware of this debt. Today the automated number called a coworker 's land line. I have requested proof of the debt XXXX times now, and it has not been delivered once. I will not pay until a validation of debt is sent. They continue to harrass me and will not provide the validation. I have read online that it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other

Complaint: Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. 
I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company RAUSCH , STURM , ISRAEL , ENERSON & HORNIK, LLC XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (Store credit card) with ENCORE CAPITAL GROUP INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Midland Funding is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations.. Yet on the credit reporting they have wrong dates and they are showing I made a payment in 2015. That is absolutely erroneous. The debt is past the statute of limitations and them continuing to update false information on my report is a violation of the FCRA. I have contacted my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other fee

Complaint: My wife and I have individual credit card accounts through Bank of America. We XXXX were able to pay them off ( prior to the payment due date ) recently and had a zero balance. On the next statement, Bank of America attempted to charge us interest, {$16.00} for my wife and {$9.00} on mine. I do n't trust Bank of America and this makes me wonder how many people have had this happen and actually paid the interest charges. I can provide any details you might need. After calling, their automated system resolves the issue. 
I just feel like they are attempting to make money illegally by taking advantage of consumers who do n't understand their rights.

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