milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (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: TRIED TO FILE CLAIM FOR XXXX TAKEN FROM MY ACCOUNT BY XXXX XXXX  XXXX WITHOUT MY KNOWLEDGE FOR THE SALE OF 4 TIMESHARES. IVE CALLED AND WRITEN LETTERS, I PAID XXXX XXXX XX/XX/XXXX AT XXXX TO HELP ME GET MY MONEY BACK.CAN YOU PLEASE HELP ME GET MY MONEY BACK ... CAN YOU PLEASE HELP ME. BANK OF AMERICA CARD PUT ME ON HOLD EVERY TIME I CALL THEY SPEAK RUDE TO ME AND RAISE THERE VOICE TO ME AND TREAT ME BADLY. CAN YOU PLEASE HELP ME.. AGAINST BANK OF AMERICA CARD MASTER CARD # XXXX CALLED THEM XX/XX/XXXX SPOKE WITH XXXX FOR 40 MIN THEN XXXX FOR ANOTHER 40 MIN WHO REFUSED TO HELP ME.. CALLED XXXX XXXX XXXX XXXX WHO SAID XXXX XXXX XXXX  CLOSED XXXX THEN CALLED XXXX XXXX XXXX XXXX WHO SAID THEY DONT REPRESENT ME ANYMORE HOWEVER NOT CLOSED. MY STATMENTS SHOWS ON XX/XX/XXXX AT 13HRS AND 11 SECONDS XXXX WAS WITHDRAWN YET THE BANK REFUSES TO ACKNOWLEDGE.

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 05-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX of calls over more than XXXX months. They have never left a message, until today. They are, supposedly, a Debt Collection Agency, based in Texas and XXXX, XXXX Caller ID reports the call from Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to Experian 's report number  XXXX , the  XXXX  account should be removed as of  XXXX    XXXX   ( I have had difficulty getting them to remove accounts promptly in the past ).

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 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to report an incorrect item on my credit report. There is a lien on my credit report for a XXXX XXXX account from 2010. On the same credit report page XXXX, you can find my XXXX XXXX account histories and they are always paid on time, never late. Account closed at consumer request. 
Even after disputing this item twice and pointing them to their own information on my credit report, Experian refuses to remove the fraudulent item on my credit report. This is now impacting my ability to buy a home. 
Can you help me resolve this issue?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We have received no correspondence or notice from Nationstar Mortgage , LLC as of XX/XX/2017 that our mortgage was transferred from XXXX XXXX XXXX. XXXX sent us a letter that Nationstar will start accepting payments on XX/XX/2017. We contacted Nationastar customer service and they indicated that welcome packages are delayed. Currently we have nowhere to send our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Other

Complaint: Bank of America presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.

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 04/20/2015 about Debt collection (Credit card) with Liberty Credit Services, Inc. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I have a judgement against me by Liberty Credit Services , Inc. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to XXXX XXXX Bank. 
My story : I was married to a XXXX man. I am the XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied XXXX. The XXXX XXXX Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that Liberty was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at LCSI and explained that I was in an XXXX marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX/month was agreed upon by XXXX parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX/month payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving Medical Assistance and Food stamps. I told him to look at my history to see that I have never missed a payment in five years but was really going downhill financially and needed a respite until I could get back on my feet. LCSI sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with U.S. BANCORP (CO).
Issue: Credit determination

Complaint: I applied for a secured credit card in XXXX of last year. I paid XXXX to get it. They declined the credit card based on a bankruptcy over a year old and on debts due to child support. I have outstanding debts for child support due to the fact that I was pregnant and could not find a job and XXXX county expected me to pay. I am going back to court on it and I have faithfully paid the child support even though I did not see my children for a year. The debt was being paid and the bankruptcy was a year old. They should not have denied me credit when it was a secured card. The only reason for the bankruptcy was my ex-husband ruining my credit by causing a prohus-perty I had for 16 years to go into foreclosure by not paying for it or putting it in his name like the court ordered. Because of this I was unable to refinance my house, given me in court and I lost it, too. I had perfect credit not seven years ago I paid an extra month 's payment on my mortgage and now I am being discriminated against. My ex husband is on probation for threatening to kill me while I have a restraining order against him. These credit problems were not my doing. I thought you could not discriminate in the State of Colorado due to domestic violence. I received the XXXX back, but I want this removed from my credit and I want a secured loan because I am responsible and have sacrificed to make sure that child support is paid. 
It will be removed anyway because XXXX of my children have left their father to live with me. They are tired of the unjust court system and tired of being beaten. 
Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 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: Information belongs to someone else

Complaint: I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachment for one of The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with XXXX county to get these errors resolve in a timing matter. They are hindering 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 non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: My name is XXXX XXXX XXXX. My ssn is XXXX, address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XX/XX/XXXX at XXXX XXXX CST, explaining that I was fully aware of the two separate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. XXXX refused to deleted the inquires that were made from XX/XX/XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. I am asking that Consumer Financial Protection Bureau to help me make TransUnion stop victimizing me. I am asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 02/22/2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received a call from TransWorld trying to attempt to collect a debt from me for a bill due to XXXX. I had no idea who these people are and called XXXX to confirm that my account is in good standing. 

On XX/XX/XXXX, I received a letter for the first time in the mail indicating that I owe XXXX {$180.00}. I proceeded to call XXXX to find out and after two rounds of transfers and a long hold, another representative got some info and indicated that I owe XXXX for a bill back in XX/XX/XXXX but was not able to give me any further details due to their new system. I was told someone will call me back the same day and give me more details. I have since to receive a call back from XXXX nor do I know what this debt is all about. 

I moved to California from XX/XX/XXXXand moved back to Maryland in XX/XX/XXXX. I also  have a new XXXX account in my name about a year ago and they ran a credit check on my info. I am disputing this erroneous debt that they claimed to be unpaid in XX/XX/XXXX under my name when in fact I did not live in Maryland at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 been dealing with Experian and XXXX  sinceXX/XX/XXXX in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX  and Experian needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXXasking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Fraudulent reporting of information on my credit file.

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 05/27/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problems when you are unable to pay

Complaint: I had a car repossession on XXXX XXXX by Capital One auto Finance. I 'm trying to get my car back and paid made a {$1300.00} payment which I was told I needed to make a payment of {$2500.00} to get the car back. I could make this in payments. I spoke with a rep on XXXX XXXX and was told I would then need to pay {$500.00} my regular payment which I informed him I did n't have. He put me on hold and came back offered a extension took my payment of {$1300.00} and we ended the call. Only to find out on XXXX XXXX from the XXXX XXXX XXXX where my personal items were cleaned out of my car that my car was being sold on XXXX XXXX. I made a call back to the Reinstatement department and was told by a XXXX XXXX who was beyond rude that why ca n't you pay your car not you have been late 21-times. We all have hard times you did n't know you got a email before talking to him there was a young lady. Who ask if I was told about a email I was not told by the rep on XXXX XXXX there would be a email coming where the sale date would be moved up due to the extentsion being offered to me. Nor was I told about the Loan modification program that the {$1300.00} could be used as good faith payment toward getting my car back. So now I 'm being told they will not except my {$1300.00} as good faith payment to get my car back. When I have been given incomplete information through out this entire process with Capital One Auto Finance. That this program of Loan Modification, a good faith payment is not really to help the consumer. It is only to see how much more money can you come up with. After speaking with several rep 's and a few were really nice and did n't make me feel like a XXXX. But the ones who did the man on XXXX XXXX, a XXXX , XXXX on XX/XX/XXXX, young lady name XXXX on XX/XX/XXXX were awful rep 's. Life happens to us all at some point and time but I want to get my car back. I am being made to jump through hoop, after, hoop a supervisor is never available to speak with. I would like to place this compliant against them my personal items were place in someone else 's care that was repossessed at XXXX XXXX which is very unprofessional. Which I had to pay {$50.00} to get from them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Sent Certified letter on XX/XX/XXXX Sent Certified Letter on XX/XX/XXXX SECOND ATTEMPT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX This letter is being sent to you in response to a listing on my credit report and a letter that was sent to you on XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX with XXXX XXXX stamped signature stamped XX/XX/XXXX. XXXX XXXX XXXX  has failed to reply with documentation that I have requested on the First Attempt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide all the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection and selling of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state ( State of Alabama ).

5. Please evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Regards, XXXX XXXX SSN # XXXX SENT CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I began to refinance our mortgage with Wells Fargo Home Mortgage company in the latter part of XX/XX/XXXX. I sent them some information they requested to their fax number. A couple of days later they requested more financial information and I faxed that sensitive information to them at the same fax. They lost it ; one of their reps laughing about it. After a week or so of this lack of professionalism and lack of regard for my personal financial information being lost by them, I told the financing rep ( XXXX XXXX ) and his boss that I was cancelling the application with Wells Fargo - I did not trust them. They said they would refund my initial application fee ( {$520.00} ). They had received my initial payment on the XX/XX/XXXX. As of this morning they had not provide a credit to my credit card. I called XXXX XXXX in Customer Care who could not have been more unhelpful. She would not let me talk to her supervisor, telling me the supervisor was in a meeting and would be in meetings until Thursday. I asked to speak with someone else who could expedite the repayment of the fee and was told there was no one else to talk with and that they might get the fee repaid to be in 45 to 60 days. 
So, they lost sensitive financial information I sent to them and have had my money for several weeks. I consider this a form of fraud. 
I would appreciate your assistance with this mess. 
Thanks, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, KS XXXX tel # XXXX 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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

Company response to consumer: Closed with non-monetary relief