milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : l have been a client/customer of Bank of America for a longtime and l would like your help CFPB with this dubious issue! Due to a change in my financial income and a substantial-increase in expense obligations, l decided to respond to the correspondence sent to me by, BOA. During that time, l was constantly charged late fee 's due to paying after the XXXX of every month and on occasions was thirty-days late! l attempted to respond on ( XXXX ) XXXX occasions to BOA, ( account supervisor ) as per correspondence sent to me. l left XXXX messages and neither of the calls were returned. This banking practice was previously sanctioned by the U.S. Department of Justice and settled! I then decided a face to face meeting would be better served! So l decided to participate in ( XXXX ) of the ( XXXX ) required Banking community out-reach relief locations for help regarding the loan modification program! However, before l could attend XXXX XXXX XXXX NJ. I received a letter at my XXXX XXXX , with regards to termination of mortgage services. It is my believe BOA deliberately refused to notify me, promptly via : telephone, email, or home-address that their servicing obligations would stop within fifteen-days ; with confirmed acknowledgement. Oddly, weeks before however I received from BOA that my accounts would change starting XXXX XXXX. Not understanding the letter, I went to the bank for clarity. It is my belief, my inquiry in-regards to Bank fees and the lack of major account funds in account caused the transferring my loan to XXXX although competent, BOA Branch Asst. XXXX XXXX, verified my BOA account qualified not to be charged extra fee 's, the bank serviced my home-mortgage and my mortgage was linked to bank account. To find my mortgage would be transferred is a disgrace and a ruse not to comply with the settlement reached between, The U.S. Department Of Justice and Bank Of America, which was reached XX/XX/XXXX. I am very disappointed with the service and treatment of BOA! Additionally, l am trying to stabilize my current financial situation and believe face to face customer service help oppose to XXXX, which operates outside XXXX with numerous integrity issues as per customer based XXXX complaints would n't help my situation nor BOA 's customer service needs or the settlement compliance reached between The U.S. Department Of Justice. 
Please contact me XX/XX/XXXX, they are threatening to transfer my loan at end of business day!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: In early 2013, I called Bank of America to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was " charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself at risk, permanently. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor my account and notify me if any fraud occurs. I did not choose to do business with Equifax nor grant them permission to host my information. I have never had any direct interaction with Equifax, including being notified that they have mishandled my information ( which, again, I only learned of through social media ). 

I do not want to pay a single cent for any measure of credit protection or ability to review my credit report through Equifax, ever. The damage they have caused me is quite literally irreparable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Other debt) with EXPERT GLOBAL SOLUTIONS, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt owed to an apartment complex that when to a collection agency called XXXX. I called them on XX/XX/2015 and paid it in full {$2100.00}. Approximately a year later I noticed that it was still on my XXXX credit report so I contacted XXXX again and was told that they have had problems with XXXX doing such things and that they would inquire on that and was given a confirmation number as well. I have been monitoring it and it still has n't cleared up. Now, the Account has been turned over to a new collection agency, XXXX XXXX XXXX. I have been having trouble contacting them due to my schedule and extremely long hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017, this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809

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 01/24/2018 about Payday loan, title loan, or personal loan (Title loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Vehicle was damaged or destroyed the vehicle

Complaint: My car was totaled in an accident on XX/XX/XXXX. The car was deemed a total loss on XX/XX/XXXX by XXXX XXXX. At this point we were informed Chase Auto Finance did not have the title which was in my possession. I overnighted the title to XXXX. After weeks of calls, I was informed I need to complete and overnight a NJDMV form which I did. Two more weeks passed and I was told I need to submit that form again. I have been given a completion date as to when this title was going to be perfected by Chase Auto Finance and is has never happen. I always get voicemail and then a return call at weird times of the evening. In the meantime, I am told I have to continue to pay the loan on the car for that is a total loss, plus the loan on my new car and I have not been paid from XXXX the money owed to me for the loss as they are not being provided a pay out. This has been going on for over nine weeks and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The reason I am complaining to day is because I went to XXXX XXXX union to close on a loan and when they went to establish membership for me and got a copy of my chexsystems file they denied me based on information that they received from Chexsystems. XXXX is saying that there is an account with XXXX XXXX reporting a {$52.00} charge off. I have never conducted business with this company and I called them to verify with my social if they have me in there system? and they had no record of any account with my social. I contacted the chex systems phone number and gave the representative my information and he was able to pull up my file but found no record of any account reporting a charge off in my name. The bank is requesting a letter from chex systems stating that their are no negative charge offs showing on my report. Chex systems is telling me they will be mailing me my file but this is not going to help me as I am on a time limit in approval for this loan that I have been approved. My father and my brother carry the same name and I am afraid that my information might be getting mixed when financial institutions pull my file. This needs to be addressed with chexsystems.

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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last week on XX/XX/XXXX around XXXX I got a call from unavailable number and so I answered it and a lady asked me name and last of my last digits of my social security number and I asked Who is this? She said some name It could have been fake and I gave the last digits and she gave me a 5 digit number hold on. Then a male got on the phone and re asked my name and that I was going to be served some court papers and he worked For XXXX XXXX XXXX in XXXX NY and he asked for my email address and mailing address. I asked what is this for? He said a XXXX loan for the sum of {$1400.00} and I informed him I spoke to some one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA the week before about the same XXXX loan and they mail me 8 pages of contact information will no amounts from XX/XX/XXXX. I hung up the phone and XXXX the company. I found out that in this company XXXX XXXX XXXX is not accredited with XXXX and out of business with a government action in XXXX XXXX New York State General with district court regarding illegal Nationwide Debt collection scheme and mispresented to consumers that hey owed sums they did not own.

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 10/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Portfolio Recovery Associates through their attorney XXXX XXXX XXXX XXXX filed a judgment against me after I filed a dispute with their attorney-XXXX XXXX with XXXX XXXX. After reviewing the filed court documents I believe that my rights were violated due to lack of documentarion & conflicting dates on the XXXX XXXX XXXX XXXX affidavit that XXXX of XXXX 's employee signed & certified. Also, their attorney advised me that I do n't have to appear in court because I 'm disputing the debt. I only want to verify/validate that this debt is truly mine & they have the right to collect. 
Attached is the letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Ordered {$500.00} worth Gift " Cards '' for the holidays from the american Express Website. Paid using my American Express card. Received someone else 's order for {$350.00} worth of paper gift " checks ''. When i called to complain about the wrong order they said that the cards have already been used and they need to " investigate ''. My credit cards got charged for the {$500.00} ( + fees ). I have someone else 's {$350.00} worth of gift checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Resolution Services Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On or around XXXX 2017 I contacted ARS ( Advanced Resolution Services, Inc. ) in regards to obtaining a copy of my report and to also put a freeze on the file due to identity theft and/or a merged file. On two different occasions I faxed over the request documentation and each time the company would respond in writing stating I need to provide proof of identity although I had done that both times by providing my GA drivers license, and SSC as well as a bank statement/XXXX. On XX/XX/XXXX, I received again the same exact letter from the previous two attempts but this time I included a notarized copy of the information mentioned above. On all communication the reference Log # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: Over the course of the last XXXX years I have notified repeatedly with the proper notification paperwork from Court showing that several tax lien on my Equifax report were filed incorrectly and that they were cancelled by the court Equifax repeatedly sends back saying they have verified this which is untrue because I have documentation showing this was cancelled by the court 2 years ago Equifax says they use an outside source but this is also untrue for had they look into the matter through any source they would have been told the tax lien does not exist being that it was reported on me in XXXX XXXX and promptly removed XXXX XXXX so how could they have possibly verified something that does not exist I have sent in numerous times to Equifax documentation showing this cancellation in favor of the state I have also recently received another letter from XXXX XXXX or showing that this was cancelled and that there is nothing showing in their computer system of any tax lien Equifax refuses to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On XXXX XXXX of this year, I filed for Chapter XXXX Bankruptcy relief, and included a {$1500.00} debt from Texas XXXX University, which I incurred from dropping courses after the withdrawal date. This debt was appropriately included in my Chapter XXXX schedule F, and discharged by the presiding judge on XXXX the XXXX. Today, XXXX the XXXX, I received an alert via my credit monitoring service informing me that I now have a collection on my XXXX report from the Williams and Fudge agency for a {$1900.00} debt to Texas XXXX University. I was unable to attain auto financing due to this open collection with a high reported balance. My XXXX score dropped XXXX points once this collection account was added. I placed a phone call, left a voicemail, sent an email with attached copies of my Chapter XXXX petition, schedules, and discharge to Williams and Fudge. I also sent a dispute along with all of my BK documents XXXX. Now I have to wait a month or so for this inaccuracy to be investigated. This school debt comprised one of the largest balances of any of my debts, and was a significant factor in my decision to file for bankruptcy. My credit report has rightfully suffered from the bankruptcy filing. I should not be further penalized by having collections reported on debts that were discharged in the case. I advise anyone who files for bankruptcy to keep diligent records of every debt, payment history, and communication with your creditors. Receiving a bankruptcy discharge does not mean your case is over or that you wo n't be hit with attempts to collect your debt at a later date. Sadly, a collection agency can inflict serious damage upon your credit report overnight, while it will take you a month or more to dispute, verify, and defend your credit score when inaccuracies are reported.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Closing/Cancelling account

Complaint: I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$800.00} worth of points I have earned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent a letter on Saturday that states that I do not have sufficient insurance on my property and that Caliber Mortgage was obtaining insurance on my behalf. They sent this letter after they increased my monthly mortgage without asking prior questions and without notifying me of any issues. 

I called in today and Caliber Mortgage refused to escalate the call today stating that no one above a supervisor is available and no one will in management will return my calls. XXXX # XXXX refused all escalation requests to anyone above her. She did not have a copy of the letter but kept telling me that XXXX did not get additional insurance on my behalf ; but that is exactly what the letter in front of me says. She did not know that my insurance is covered by the HOA and told me I have to send them all of my HOA documents to prove that. When I stated that they have all of the HOA documents as part of the closing documents and process, she could n't answer as to why they did not know that the insurance was included in the HOA dues. 

She was obviously being coached because she covered the receiver of the phone and I could hear someone whispering behind her and then she told me ... Your HOA has not updated us with your insurance and they were simply sending me a letter requesting help to get new insurance copies. That is not what the letter states at all. They do n't request any documentation from me within the letter ; it is just telling me that they have taken action by securing insurance because I did not have any. 

This is continued examples of Caliber 's constant mis-managing of my account and I 'm sure many others. This and the many other problems I 've had with Caliber show they are incapable of managing mine or any other mortgage. All Caliber needs to do is to email or send a letter to the HOA and a copy of that letter to me requesting an updated Insurance Binder for my town home and one would have already been provided by the HOA management company. The fact that Caliber did not know that my HOA covers my insurance was telling and the fact that Caliber did not reach out to the HOA for it is because they did not identify on the account that the insurance was covered by the HOA. 

I expect all charges to be reversed and my mortgage amount lowered. I want my loan sold to any other lender would be better than Caliber. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with Prince Parker & Associates (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The collector keeps referencing a debt with  XXXX   XXXX  for {$210.00} that I do not owe. I currently have    XXXX   XXXX   service with not payment delay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I check XXXX XXXX before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from equifax who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted equifax they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency

Company response to consumer: Closed with explanation