milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Delinquent account

Complaint: I originally opened up a XXXX Credit Card offered through my bank " XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Bank of America requesting payment that was owed to Bank of America. I had never been notified that my XXXX Credit Card was transferred or bought by Bank of America as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Bank of America requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Bank of America where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a " SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Bank of America directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: My home and cell phone are on the Do Not Call list. I also submitted in writing a letter of Cease and Desist. I received a call this morning from XXXX from Receivable Solutions, XXXX stated that he saw that I was on the Do Not Call list as well as the letter of Cease and Desist yet called me anyway. This must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In a previous compliant, Navient stated I did not attempt to return their calls from XXXX XXXX and XXXX, 2016, to discuss my account regarding retracting negative information in my credit reports. This statement is inaccurate. 
I did return XXXX XXXX XXXX 's calls on XXXX, XXXX, XXXX, XXXX and XXXX, 2016. I was unsuccessful in speaking XXXX XXXX, but I need speak with their representatives, XXXX, XXXX, XXXX, and XXXX, respectively, in an attempt to contact her so that I could speak with her. I still was unable to speak with XXXX XXXX, and she did not return my phone calls after XXXX XXXX, 2016. However, instead of speaking with me, personally, she relayed messages through representatives XXXX, on XXXX XXXX, who told me she was researching my case and will return my call. She never returned my call. XXXX, on XXXX XXXX, stated, she stated the negative information was retracted and will be sent to credit bureas. On XXXX XXXX, 2016, XXXX stated that it had to be sent to thr credit department for approval, but it will be retracted. 
I was given misinformation and my attempts to contact XXXX XXXX XXXX ignored. I was never given the opportunity to discuss my account in more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Medical) with Aargon Agency, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection account was added to my crediti report. I sent a certified letter asking for verification. I was sent verification with an amount owed with interest. Later I sent a letter certified mail trying to pay the bill and never was sent a response. Also the amount being reported is not the same on the verification letter.

Company response to consumer: Closed
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: get inaccurate information off my credit report or ill sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX, XXXX, 2015, I contacted all three credit reporting agencies by phone, to get my free annual credit reports. It was indicated that it would take about fifteen ( 15 ) days to receive the reports. As of today, I have only received one, which is from XXXX. I have not received any correspondence from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This company appears to be maximizing interest and fees charged to their customers by creating challenging payment terms. I enrolled in auto pay but choose to make additional principle payments. To make a principle payment on-line, a {$7.00} charge is assessed. To avoid this fee, I have attempted to mail payments to this company. Even though the checks are clearly marked " Principle Only Payment ( and my account number ) ''. the payment is not handled properly and they " suspend '' payments and monies do not roll into principle even when auto pay is processed. The other MAJOR issue is a payment mailed on XXXX/XXXX/XXXX was not posted until XXXX/XXXX/XXXX. 10 days to mail to a collection box is ridiculous and my feeling is that this type of payment is being held until regular payments are processed. I have tried reaching out to them for a remedy but have not received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/XXXX Bank of America levied a {$12.00} service fee that was immediately deducted. They did the same thing 2 months earlier. This is generated from transferring $ savings from a conumers checking to their savings account -- early. Normally this trasfer occurs on the last day of the month. They do this early a couple times out of the year to catch you without enough funds, and assess an automatic insuficient funds fee. Yet on all other inuficient amounts the consumer is allowed time to bring their account balance up - to avoid this neative result. In this case, however, the bank is purposely attempt to extract money from their clients to recoup loss of funds for free acounts, and thereby boost their profits. 
I believe this is violation of federal fair banking law, which no one is making these institutions answer for. In my case, for instance, theyve {$24.00} from me through the technique of catching me off guard. There are way over a million consumers with free accounts. Consequently this results in excess of 24 million dollars a year the financial institutions are raking in through unfair practices. I brought it to their attention, and they refused to refund my money.

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 07/29/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On X/XX/2017, at approximately XXXX XXXX, I deposited XXXX ( XXXX ) one hundred dollar bills into the BBVA ATM in XXXX, CA, immediately after depositing the bills, I noticed there was a problem with the machine. The ATM emitted strange noises and the screen showed an error message, Take unrecognizable bills out, but the bills were not returned. The Deposit door on the ATM didnt open, and a few seconds later, the machine gave a message that it was Out of Service. I was frantic as to what to do, and I waited around for about an hour, spoke with two other customers who were unable to complete their own transactions, because of the malfunction with mine. I sent a message through the online portal and on Monday, X/XX/2017, I visited the bank and attempted to sort the problem out in person. The employees were dismissive, and wouldnt give me the time of day, rudely stating that they couldnt help me, because my problem was an ATM issue. After contacting the BBVA call center, numerous times, dealing with hangups and less than enthusiastic call center agents, and agents in the dispute department, finally on X/XX/2017 my deposit was credited to my checking account. Unfortunately this was not the end of this nightmarish experience. I was still charged NSF on that very same day, and additionally on X/XX/2017, well after there was money in my account to cover the charges. On XX/XX/17, I spoke with an representative of the bank, who identified himself as the XXXX XXXX, manager of call center in Puerto Rico. I ask XXXX XXXX about credits for the NSF charged by my financial institutions, and he told me It is policy not to credit insufficient charges ( outside of BBVA ) that  customers experience from a ATM malfunction. I asked him to provide evidence that this ridiculous claim was true, and his response was Its just known. He also told me that I had received all of the BBVA NSF that i was entitled to, but I received only XXXX out of XXXX NSF. While all the financial institutions that I am a customer to, expressed regret for my troubles, they will not reverse their fees, even though I am able to submit a letter from the bank showing a dispute and that the action occurred through no fault of my own. It seems that I am being penalized for BBVA faulty equipment and slow processing times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your 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 04-12-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Incorrect information on your report

Complaint: My ex husband and myself had a mobile home ( Home Mortgage ) with XXXX XXXX back in XX/XX/XXXX. I went through a horrible divorce as my husband was using drugs and failing to pay the bills which led to my having to divorce him. The Mortgage was in both of our names. We only had the Mortgage for one year and they got the trailer bc of being unable to pay debt. I was not working at the time as I had just given birth to my first child in XX/XX/XXXX ( she is now XXXX of age ) as this happened years ago. 

Now after 21 years, XXXX XXXX XXXX XXXX  filled a XXXX XXXX to the IRS and the IRS alerted me which caused me an adverse affect on my IRS taxes. 
I received a l letter from the IRS XX/XX/XXXX which stated that due to DITECH Mortgage sending a XXXX with taxable income of {$17000.00}, this could cause me to have to owe the IRS {$2900.00}. IRS Told me to contact DITECH Financial to dispute this and request that DITECH Mortgage rescind the XXXX in order ( so it is not XXXX, XXXX taxable income ). 

I contacted DITECH at XXXX spoke with a " XXXX '' and I TOLD HER THAT I did not want to be recorded but she did it anyways. 
I told her that I never settled on an amount of XXXX  XXXX of a debt from a mortgage that I had back in XX/XX/XXXX with DITECH nor did I ever receive a XXXX from them. I asked them to rescind the XXXX ( taxable income of {$17000.00} ) as this is a debt from " 20 Years ago '' in which I should not be taxed for taxable income of XXXX, XXXX on a debt from 20 years ago. However, XXXX refused to rescind ( reverse ) the XXXX. 
NOTE, I have suffered with my credit from this debt for over ten years and it was removed from my debt bc it has been over the 7 to 10 year period that the debt is lawfully removed from my credit. They can't go back 20 years later AND IN XX/XX/XXXX send the IRS and myself a XXXX form to tax me {$17000.00} for a debt from over 20 years ago that WAS charged off my credit report back in the year XX/XX/XXXX!!! this is very unfair and not allowed. 
ALSO< I disputing the fact that they kept putting this on and off my credit for over 20 years now and it has negatively affected my credit for way over the 7 year period. 
POINT BEING< IF THEY HAD PLANS OF TAXING ME AT {$17000.00} then they should have taxed me 20 yrs ago ( BEFORE THE 7 TO 10 YEAR PERIOD PASSED WHICH IS NOW WAY OVER ). If they were going to send a XXXX taxable income, they should have done this YEARS AGO NOT IN XX/XX/XXXX. I AM REQUESTING A COMPLAINT SUBMITTED AS THEY HAVE UNFAIRLY AFFECTED MY CREDIT PAST THE 20 YEAR PERIOD AND IT IS VIOLATING MY RIGHTS TO BE TAXED FOR SOMETHING IN XX/XX/XXXX ON A DEBT FROM THE YEAR XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX, there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing , Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX, in which " XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document, XXXX XXXX, is a known robo signer. When we did a title search on our property in XXXX XXXX, Option One Mortgage was in XXXX lien position. XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX was contractually closed from conducting business after the closing date of " On or about XXXX XXXX, XXXX '' and could not have receive a loan into the trust after the cut-off date. XXXX XXXX retroactively attached the our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. ( Reference the sign from XXXX XXXX Clerk 's office, Chapter XXXX, XXXX Government XXXX, XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report

Complaint: On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Chase on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX )  in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX  produced validation demands to Chase to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A credit card that I believe I once had but was paid off years ago is still listed on my credit report, showing a balance and a date of a recent reported payment. The credit card company says that I have no active account with them. I obtained my credit report from TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with The Affiliated Group, Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation