milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Equifax says XX/XX/XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? XXXX with the first missed payment and XXXX for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian was erroneous information on my credit report and will not remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble during payment process

Complaint: I have an existing loan serviced by XXXX XXXX XXXX. I received a pay off demand with an Other Fees * {$16000.00} on the demand. The detail said included an attachment A with no explanation of this charge I never agreed to, or authorized. When I called XXXX XXXX XXXXXXXX they said it would take 3 weeks for any response. Now I am frozen to complete my current refinance which has a rate lock expiring. I am left with no recourse and no help from XXXX XXXX XXXX. This will cause me financial peril and I am seeking help from the cfpb to force my mortgage servicer to respond and/or remove this illegal charge. 

- I have never been late on a mortgage payment. 
- I have perfect XXXX fico score credit. 
- I have never agreed to any pre payment penalty which is illegal. 

Thank you for your help in this urgent matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Auto debt) with Radius Global Solutions LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I leased a car with  XXXX   XXXX   XXXX . I turned the car in  XXXX   XXXX . I received a final bill for a lease turn in fee for  XXXX . I paid the Bill on  XXXX / XXXX / XXXX  for the amount of  XXXX . I heard nothing fromToyota until  XXXX   XXXX ,  XXXX , when I received a collection Letter from Central Credit Services LLC. I contacted  XXXX  and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  XXXX  returned payment on  XXXX   XXXX ,  XXXX . I sent another  Electronic  payment to  XXXX  on  XXXX / XXXX / XXXX . I called  XXXX  to verify payment where they forwarded me to  Central Credit Services o n  XXXX / XXXX / XXXX .  Central Credit Services tried t o Verify Payment with  XXXX   XXXX   XXXX  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  XXXX  page shows the electronic payment made to  XXXX  on  XXXX / XXXX / XXXX . The second file is a message from  XXXX  that shows  XXXX  sent back payment. The third file is the payment made once again to  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  Central Credit Services by certified  mail.

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 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am XXXX and I opened an a prepaid internet hotspot account with XXXX as evidenced by the attachments. I did not voluntarily apply for credit. I specifically requested a prepaid account with no credit check. The first bill, attached, shows that XXXX requires payment in advance as I requested. This first prepaid bill was paid as evidenced by the payment receipt that is also attached hereto. However, XXXX did not supply the agreed upon XXXX of high speed internet service that I paid for as agreed. Instead, XXXX failed to suspend or " cut-off '' the high speed internet service once the XXXX allotment was consumed as its sales representative told me would happen. I was wearing a replica hat for the XXXX XXXX ship my brother served in, the XXXX XXXX XXXX and a gentleman in the store questioned me about whether I had served on that ship. Therefore, the second bill was for over {$500.00}. XXXX then terminated the internet account and I was not able to connect to the internet. However, XXXX continued to add the {$80.00} agreed upon monthly charges to my account until it reached over {$700.00}. Finally, XXXX hired a debt collection firm to collect this debt and report this debt to the credit bureaus. As a result, my credit score has decreased significantly and such derogatory item in my credit reports caused XXXX XXXX Bank to not pre-qualify me for a veteran 's VA Guaranteed Mortgage.

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 12/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (VT).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: We have received multiple telephone calls from a company called " Diversified Consultants, Inc. '' Their number is XXXX. They have called several times and just hung up when we answer the phone. I just called their number and spoke with a " XXXX XXXX. '' XXXX said he was calling for XXXX XXXX and that we were " headed to court. '' I told this XXXX we did not subscribe to XXXX, or rather tried to, but he continuously spoke over me, and refused to listen to me at all. We subscribe to XXXX and have for some time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXXvia my credit monitoring service I discovered XXXX XXXX Account # XXXX had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Per my report number XXXX it does not reflect the previously deleted account so why on earth would you re-insert this account without notifying 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 explanation
Consumer complaint received 04-06-2018 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days. 
Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX   XX/XX/XXXX{$670.00} The above fulfills the deposit requirements. 

Please have BMO deposit the {$200.00} offer.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for an auto loan through  XXXX   XXXX   XXXX . I did not know that they would be sending my information to other companies that would run my credit.  XXXX   XXXX  said they had in house financing with their bank. I got a lot of hits because of it. Had I known that they were going to do that I would not have applied for a loan and figured out a better way or went to  a buy here pay here. They sent me a letter stating I need to send them verification of my address and ID to sho w who I am. They sent it on  XXXX   XXXX . I went online to check on my disputes and they had already made a decision on my dispute before I even sent out my verification info.   I am currently trying to get my finances in order to prepare to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was a customer of XXXX XXXX XXXX wireless for over SEVEN YEARS, and I paid my bills ALWAYS. However, I DID NOT RECEIVE any wireless services from XXXX XXXX XXXX for the five months or so ( i.e. XX/XX/XXXX-XX/XX/XXXX ) because there were technical problems with my receiving the wireless services that I was being billed monthly for. I lodged NUMEROUS COMPLAINTS with XXXX XXXX XXXX in-store Managers, who in turn, contacted XXXX XXXX XXXX Tecnical Support Services on my behalf to rectify the problem, but no avail. 

Also, XXXX XXXX XXXX REFUSED yo replace or REPEATEDLY put up barriers to replacing my XXXX XXXX even though I had been duly paying for the Insurance Cover/ Premium every month. This would have enabled me to receive the wireless services that I was being billed for, if the problem had been with the XXXX itself. This went on for several months. As a result, I had no option but to CLOSE THE ACCOUNT in XX/XX/XXXX-by switching over to XXXX XXXX XXXX. And I have been paying monthly ever since. Just like I paid my monthly bills with XXXX XXXX XXXX Wirelessly for over SEVEN YEARS!!! 

Against this backdrop, I believe that XXXX XXXX XXXX 's Bill for sum of XXXX XXXX is UNLAWFUL and is a retaliation against me for exercising my legitimate right.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I observe a break-down/inaccurate process in Equifax 's procedures. They report that information on my credit-report as " factual ''. When in fact, Equifax has been requested to remove the entry from the " factual '' party. I believe Equifax 's authenticity process to be inadequate and ineffective.     I have  attached two documents : 1 )   XXXX  's confirmation informing Equifax of the unauthorized inquiry.  2 ) Eq uifax 's notice they have no record of  XXXX  's communication.  <P/> This same process with   XXXX   and Experian resulted in the accurate removal of  XXXX  's entry on my credit-reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: My husband left the home in XX/XX/XXXX. I could not pay the mortgage by myself. I attempted to remodify with XXXX who was our mortgage service at the time. I was given a monthly payment which was higher than the original payment when my husband was living in the house. I sought help from the bar association with no luck. I was finally able to put the house in my name only after the divorce became final in XX/XX/XXXX. Shellpoint became the loan servicer.i cleared out my basement and found a tenant to assist financially.around XX/XX/XXXX I was notified by shellpoint that I was denied a remodification bc I owed too much money. I then put my home on the market and received an offer. I was ready to sign the papers but turned it down bc both my daughters were in school and they begged me to pls try again to remodify. I tried again as a XXXX person bc I left work after XXXX XXXX and have less income. I first worked with XXXX XXXX who requested the same documents over and over again.he finally told me that I needed one more document and after I sent it in my account was transferred to XXXX XXXX.he request the same documents all over again. I went through a cartridge of printer ink in one day making copies.XXXX XXXX proceeded to request the same things again and again. I became obvious that shellpoint mortgage was playing games with me and I have no choice but to sell my house before it is auctioned off. I think that what shellpoint has done is unscrupulous and unfair.my younger daughter is XXXX as well and now she must be uprooted for her XXXX year. I asked XXXX XXXX if I can rent the home for a year and was told no. I would like this company to be investigated for its remodification methods.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: Bank of America decided they wanted to make money off of my banking account as soon as I was hired at a full-time job, so they started charging me a monthly {$3.00} service fee for what they call 'check images ' attached to my monthly bank statement. This service has absolutely no value to me. BOA is just exploiting consumers by providing a service without prior consumer authorization. Even worse, is the fact that in order to stop this 'service, ' BOA wastes citizens valuable time trying to contact them. 

They did send some paperwork saying that account holders could decline, but there is no way to do this without spending an inordinate amount of time either waiting for phone service, or having to meet with someone at a branch. Also, there is no easy way to find an address where one can write to this bank to quickly resolve something like this. 

I have tried three times to cancel this 'service ' -- two times on the telephone, and another time I asked the bank branch greeter to provide me with an address where I can send a letter, but he could not give me one without turning my request into a long research project. 

I am asking your help to get all of the {$3.00} charges reversed so I get all my money back since they started this in XXXX 2015. Additionally, as you can guess, I want this monthly 'service ' and the unnecessary charges stopped since the images are of no value to me. What they are providing is just XXXX 'check ' image that BOA creates to go along with my phone/internet payment on my Target bill -- it is n't a 'real check ' at all. Their image is useless because when one pays a bill over the phone or on the internet, customers are given a confirmation number. This BOA practice exploits account-holders. I have categorized this complaint as an unauthorized withdrawal within your category ' Deposits and withdrawals ' since you do n't have a category for 'service charges. '

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX & XXXX. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. 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/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 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 Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Problems when you are unable to pay

Complaint: after months of trying to work with USAA to straighten out the loan. mostly due to their fault by not taken the money, they repossed my car on XX/XX/2016. after which I called and asked to stop payment..they told me NO.. then XX/XX/XXXX they sold the car at auction..I have yet to hear of outcome.. XXXX XXXX 2016 the proceded to take a payment from my bank account and causing me to " bounce '' a payment..and then charging me a XXXX dollar overdraft fee..and now they want me to pay them XXXX dollars..i have called and after being transfered several times they hang up on me..I belive that USAA is a no good company..thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a 30 day late pay on XXXX. It is being reported XXXX 2010- I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am being sued for credit card debt that I am unable to pay. I am XXXX and my sole income is judgment-proof SSI and Social Security, with no foreseeable change in my situation.

Company response to consumer: Closed with explanation