milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with Consumer Adjustment Company Incorporated (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call daily starting early in the morning. They have called up to four times per day from multiple numbers. When I call back they will not say who they are. When I search the number online it comes back as Consumer Adjustment Incorporated. XXXX of the numbers used are XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Case # XXXX and XXXX. I am up loading an Bank of America online statement with the new account # ending in XXXX and the original account # ending in XXXX. The online account {$89000.00} owed and minimum payment due {$29000.00}, make payment. 
Finally, I received a phone call from Bank of America, XXXX, on XXXX/XXXX/16, I believe from XXXX XXXX at XXXX for 1.25 minutes. I asked him if we were being recorded for Quality Assurance and he said yes. Also, I told him that he was being recorded by me for Quality Assurance. XXXX XXXX said that he did n't know what I was going to be using my recording for and I told him the same as him, Quality Assurance. XXXX XXXX said that he did n't want to be recorded and he would send me a letter. If I call him we could talk without me recording him but he would record me. I have been calling Bank of American about them seeking money from me and I received a discharge and the house was sold in a Federal Bankruptcy Court for five years and they always record me and do nothing. In order to have Full Transparency, we both need to accept recording from both parties and I hope they will resolve the problem. I have sent all the evidences and I hope Bank of America resolve the problem without talking to me because they do not want to be recorded by showing full transparency.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what   XXXX   is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so my credit score should n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My name is XXXX XXXX. There was a fraudulent charge put on my credit card for {$2400.00} on X/XX/2013. Credit Card # XXXX XXXX XXXX XXXX, my social security # XXXX XXXX XXXX. I have been fighting with Wells Fargo to remove the charge for years and they remove the charge and put it back on the next month without telling me. The name of the company is called XXXX XXXX XXXX and they have been prosecuted for falsely putting charges on peoples credit cards without permission. XXXX XXXX has something to do with timeshares I dont even own a timeshare. Every time I call wells fargo they make pass me around to different departments for 2 hours. Every time I call it is a 2 hour phone call. The last time I called they thought put me on hold but I could hear them talking and they said said " just tell her we are going to remove the charge and started laughing hysterically. When they got back on the phone I told them I could hear them and they hung up on me. Please help me. I am supposed to be protected from unauthorized charges with the credit card company.

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 01/26/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Enclosed are copies of reports on disputes from Equifax. These XXXX disputes were created in the mind, ( or lack thereof ), Equifax. Equifax has now taken upon themselves to create disputes out of thin air. 

I have NEVER disputed : My address ( I know where I live and, this is XXXX of the few things Equifax has right ). 
OR : XXXX XXXX XXXX. Here again Equifax created, by themselves, another dispute. I mean now really, think about this. This account was closed the same day it was opened and NEVER had a balance, Why would I dispute that?

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Knowing I would become delinquent on my Sallie Mae Private Student Loans, I tried contacting the consumer representative to be proactive to see what could be done. I asked to speak to a Collections agent, and they would n't put me through since my account was not past due. Instead, the representative told me he talked to them and they ( Collections ) said they could not help me until my account was past due so that I should let it go past due if I wanted help. He told me past due means 5 days, and that after 15 days delinquent but that I would not have to worry since 30 days is when they would report me to the Credit Bureau. This is extremely bothersome. They want me to miss a payment before they will help me? How is that helpful. It puts a stain on my account. Plus, who is to say they can even help me after I miss the payment? This is a situation where I needed to find out if someone could help me or if I will need to start calling all my family and friends to see if someone could help me make my payment. I needed help today, not when I am past due. This has truly upset me as I feel like they are giving poor advice and lacking in customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Late fee

Complaint: I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through, so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX, and I was FORCED to schedule the payment for XXXX XXXX. This process incurred a late fee of {$25.00}. I have emailed them several times requesting them to waive the fee due to the issues I had trying to pay by phone. They have disregarded my request. I have explained to them that their statements do not disclose a " cut off : '' time. I specifically shows to pay by the due date. I am asking to have late fee removed and any interest that incurred due to the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 disputed the public record with transunion. They have claimed it is verified by the furnisher which i s US Bankruptc y court. I have corresponded with the bankruptcy court and they have verified that they do not verify with the bureau s on 3 occasion s. I have asked the bureaus for the names and phone numbers of the person or persons from the bankruptcy courts who verified this item. They have not produced it. They have told me that it was verified by a third party which is not valid. Also i know that i have not signed any contract with any party giving any rights to report this invalid item to my credit report. I have also asked for any contract permitting this to be reported to my file maintained by transunion which is required by the FCRA they have not responded. I am asking for these items publicly so that transunion can not dispute that these items have not been requested for the third time.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed by CAPITALONE AUTO FINANCE  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with capitalone auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Have been paying on this loan for several years with little to no effect on balance, often pay extra. Bills do not come in regularly and when they do arrive the amount due is different. Have tried many times to contact this lender, as to let my wife be able to handle questions in my absence, to no availe. Furthermore, have been told that this is a federal loan and also that it is n't.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Never received letter from debt collector and found out about alleged account via credit monitoring service. I called to request validation and was hung up on. I sent a validation request as soon as I learned of account via regular mail and never received a response. I re-sent the letter again both via regular and certified mail ( 30 days after original mailing and no response ), confirmed that they received it, and have not received a response for well over 30 days after receipt of second, certified request. Debt collector is in violation of the FDCPA and I reserve all rights to seek damages under the FDCPA, for defamation of character, and all other avenues available by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I was notified via a letter in the mail by home loan was being transferred to another company. I received the notice on XXXX XXXX, 2015 stating XXXX XXXX, 2015, I would be making payments to the new lender. This provided me with only 11 days written notice from my original loan servicer that my loan was being transferred, falling short of 15 days notice. I have not yet received any correspondence from the new loan servicer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Credit card) with Mel S. Harris and Associates, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There was a judgement filed against us by XXXX, on an account we have not idea about. The credit card company XXXX no longer exsists for us to verify. We had to make many calls just to find out how to pay it off, we finally were referred to Mel Harris Associates. They have been very hard to deal with. When my husband reached them to make arragements to pay this off, he recieved a verbal agreement on terms to pay and in return have this taken off our credit report. They said they would send a letter agreeing. We did not recieve anything for weeks and then he got an email later followed by a letter, the problem is the dates we agreed to pay were incorrect and the agreement to remove the judgement was not stated. He emailed numberous times along with calls, but no response. He finally called and spoke to a supervisor and was toold we did not stick to agreement and needed to pay that day. We insisted on getting a letter first and still have not recieved one. This was XXXX XXXX and XXXX. We have money to pay, but still not recieving necessry response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This account is not being reported on my XXXX credit report and it 's affecting my credit.

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 06-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy in 2012. The house was not included in the bankruptcy. I tried to explain to Bank of America that I paid all of my payments and the house was not included in the bankruptcy. Every time I tried to resolve this, they called me a bankrupt person and they took my house and wrote it off as a loss and put it on my credit report. I paid all of my payments and had never been late on a payment. I am enclosing all of my documents that show this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: calls from XXXX every morning after XXXX XXXX. Leaves no message Company name Amsher, found on the internet. I do n't owe anyone anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: On XXXX I learned of the Equifax data breach. Using the website they set up, I discovered that my personal information had been compromised. I immediately instantiated a fraud alert on the 3 major credit bureaus and reached out to Equifax for details on how to proceed. 

Equifax did not adequately protect my personal information, and has not provided appropriate clarity or instruction on how to proceed now that my information has been compromised. This is a critical oversight for a company that holds so much responsibility for personal protected information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: American Express charged 2 {$39.00} late fees for a {$75.00} dollar carried balance over 45 days. Spoke with XXXX XXXX who explained the company policy of charging {$39.00} late fee and {$39.00} for a carried balance or 2.09 % whichever is greater for balances which are greater than {$50.00}. This resulted in late fees greater than my balance which is unreasonable by any measure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On my credit statements show that I have not paid Medical Business Bureau {$160.00}, this was reported again today, XXXX XXXX, XXXX after I got off of the phone with them to let them know it was paid at the end of XXXX, XXXX - They see that the account has a {$0.00} but are still reporting to collections I have a balance and have refused now, 5 times to provide me with a paid receipt as they say that is " against policy '' - I have never heard of such a thing - I ca n't have proof of payment? I need this closed and taken off of my credit bureaus. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX I have provided Seterus with my XXXX County Property Tax Examption Certification for the tax year, as instructed by my County Property Tax Office. about a month ago. Their " telephone customer service '', determined that a " check for approximately $ XXXX+ was issued to me and sent to me back in XXXX, XXXX, for the tax year XXXX. I never received this check. Though a small amout about a {$100.00} refund ( unrelated ) subsequently I did received XXXX, XXXX time frame. So, after being in phone conversation, each time about an hour, with Seterus Tax Dept ( XXXX XXXX ), and Seterus Customer Service, I was told on XXXX XXXX, XXXX, a check for {$2900.00} ( aprox ) was being issued, and sent to me by mail to my mailing address, within 7 to 10 days of XXXX XXXX, XXXX ( the day I called first regarding my " Property Tax refund check for XXXX '', after faxing them the " Property Tax Exampt Certificate from my XXXX County Property Tax dept, as suggested by the county tax officer. This was the 2nd one hour phone call with Seturus Customer Service. 
Today, XXXX XXXX, XXXX, I called Seterus Customer Service again. After holding for 56 minutes on phone, with this customer service rep, she told me something very different. 
I was told that no check was sent to me, as promised on XXXX XXXX, XXXX. That an " escrow analysis '' will be done on XXXX XXXX, XXXX, as they do that once a year. After that, they may or may not send back the " XXXX TAX Refund Check ''. 
I have a family medical emergency with XXXX family members, and I have medical bills to pay, and this " uncertainty '' and repeated misleading statements and required enormous time spent on phone with their customer service dept, is an enormous burden. Seturs by the way, was selected about 4 years ago, when I did a loan modification via the Federal government, and this company was selected by the FHA loan that I had at that time, via loan modification protocol I submitted. I have never defaulted on any monthly mortage payments since that time, and have set up automatic withdrawl each month as per their instructions from my checking account, renewed every three months since then, by phone as required by Seturus.

Company response to consumer: Closed with explanation