milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Mailed to XXXX Equifax, XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America engaged in dual tracking me in  XXXX    XXXX  . As seen in the attached letter from Bank of America, dated  XXXX   XXXX ,   XXXX  , they had the documentation needed to process my loan modification. It states that the process should take no longer than thirty days. Instead of working on modifying the loan, Bank of America turned it over for foreclosure on  XXXX   XXXX ,   XXXX  , even though they were the loan servicer, and would continue in that role until  XXXX   XXXX ,  thirty  days after the aforementioned letter. The loan was transferred to  XXXX , and between Bank of America and  XXXX , progress was delayed allowing the HAMP program to expire. I had questioned the dual tracking in my previous complaint ( which had  two components )  and have attached a copy of that letter. When contacted by Bank of America with their research about the complaint, the representative had no reasonable explanation for the dual tracking and would have to investigate further. I was told that I would receive a hard copy of the report, as well as an email containing their findings. I confirmed the email address to insure accurate delivery. I received nothing. I have contacted the representative for Bank of America on  three seperate occasions, leaving a detailed voice message each time.. Again,  no response.

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 01/30/2017 about Debt collection (Non-federal student loan) with Radius Global Solutions LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX which is a branch of XXXX took over this debt in 2006 and because XXXX was not able to collect on the debt has now contacted Central Credit Services LLC to collect the debt that is too old to be on my credit file and was due to be taken off last year. Central Credit Services LLC is now contacting me to collect on the debt because XXXX has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.

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 07/26/2016 about Debt collection (Medical) with Credit Systems of the Fox Valley, Inc. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Credit Systems of the Fox Valley has been calling my cellphone and my work phone simultaneously for the last 15 minutes over and over again. I have no idea how they got my work number. They 're not allowed to have this number. 

They do n't leave a message either. It 's distracting me from my job and upsetting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (WI).
Issue: Settlement process and costs

Complaint: Bayview Loan Servicing purchased the servicing on my home equity loan. During an attempt to refinance my XXXX mortgage Bayview reviewed my loan file and sent mailed correspondence saying I owed them {$220.00} for XXXX related to the XXXX. I had my mortgage lender contact Bayview to ask what this fee was. The gentleman on the phone originally said it was for attorney fees. After my mortgage lender questioned him he said it was probably assessed because my homeowners insurance had lapsed. My mortgage lender asked when the homeowners insurance had lapsed so he could send proof that there was insurance in place and that " Force Placed '' insurance was not necessary. Bayview said they would send me written correspondence showing me proof. Instead they sent a letter ( almost idententical to the first XXXX ) saying that " After a review of my loan file I owe {$220.00} in XXXX XXXX XXXX. '' They also included another copy of the first letter. Bayview has never come up with a good explanation of what this fee is for or any proof that I owe it. My Account number with Bayview is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have started paying double the amount ( {$1000.00} ) of my minimum payment amount on my Care Credit Card after my promotional interest rate expired and my account increased beyond my limit. While reviewing the remaining balances on my two accounts, I noticed that my accounts were only reduced {$250.00} the following month ( XXXX Balances : {$1000.00} and {$8400.00} ; XXXX Balances : {$1000.00} and {$8100.00} ). The approximate total monthly interest on my account is {$320.00}. This means that about {$680.00} should be left to reduce the balance of the two credit accounts I have. I have called Synchrony Financial on various occasions asking about the {$420.00} difference. After more analysis of my statement, I have noticed that Synchrony Financial has not reduced my account balances because the total monthly interest is calculated based off of the remaining balance of my two loans ( individually ).  Therefore, they are getting more money from me ( in interest fees ) by not reducing my accounts accordingly.

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 02-10-2016 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Deposits and withdrawals

Complaint: I purchased a tire from Merchants on XXXX/XXXX/XXXX. They attempted to mount the tire and cracked the rim, The rims costs {$1000.00} each. After 3 hours working on the mounting operation they gave me the car. I alerted them that the sensor light was still displayed, they said it would go out. The tire blew out again. I had it towed back to Merchant the next day. They discovered the rim was cracked. They acknowledged it was their fault and welded the rim after telling me they would replace it. I rented a car since I was just out of XXXX and needed transportation. They refused to pay for a rental car. I disputed the payment and PNC decided there was nothing to substantiate my claim. I did not think it was fair to pay for the incompetent services. They cracked the rim using inexperienced workers. For three hours they allowed someone to abuse my car. The supervisor came into the service area saying they were struggling with the tire, and yet allowed this same individual to destroy my rim. After it was repaired I had another blowout and XXXX in XXXX saw the welded job and found additional hairline cracks that they repaired. PNC decided to reverse provisional credit for the third dispute against Merchants '. I received a letter on Tuesday XXXX/XXXX/XXXX that PNC would debit my account {$340.00} for a provisional credit they issued in XXXX XXXX. I told them I was not paying it and I disagree with their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: applied for CareCredit for my dog 's XXXX and the XXXX charge XXXX/XXXX/16 and I guess I was on a " deferred credit '' plan that I understood as they would charge interest back to the beginning but calculate it base off the monthly balance deferred not the whole balance even amounts they were not carrying. My deferred credit deadline was XXXX/XXXX/16 and my balance was less that XXXX and I was charged {$380.00} interest and was told that was calculated carrying the full balance even though they did n't the full 6 months. 
I understand calculating deferred interest based on what the balance would have been but on a balance they did not carry seems wrong. I would like to understand how these charges can be lawfully calculated and find out if I was overcharged. I would like my account reviewed to verify my charges are " legally calculated ''.

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 04-04-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has force placed insurance on my property as a XXXX mortgagee. I have told them several times that I already have mortgage insurance through my XXXX mortgage which is XXXX. The XXXX mortgage policy is with XXXX. They insisted on creating the policy anyway stating that they would deduct the money from my escrow account. This is how ridiculous they are. I do not have an escrow account with them. The Wells Fargo Account # 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 03-03-2017 about Credit card () with Atlanticus Services Corporation (LA).
Issue: Other fee

Complaint: In XXXX of XXXX I received a pre-approved credit card from Salute credit company. I did not have credit and figure this would help build it. I used the card and withing a few months they closed the account. I paid on time and never went over my balance. It is now XXXX and I am still paying on it. I have paid almost XXXX what I owe. This card is a scam. My balance is not changing now. I believe they are charging me ridiculous fees that is causing my balance to stay they same but online I can not see these fees. They hide them from me. I can not even view my statements online. I have tried multiple times to contact the company but they have no phone number. I can only email them, which they never reply back. I do not want to pay on this card anymore but if I do not it will go on my credit. I need help contacting the company and getting the remaining balance canceled. I believe I owe them no more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been requesting a copy of the verification from " Transunion Credit Bureau '' for the Chapter XXXX Bankruptcy Discharge ( Docket # XXXX ). I contacted the US Bankruptcy court and was informed that they don not deal with credit reporting agencies. That they have there own sources to place inquiries on my consumer report. I have place Security Freeze back in XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, so I am not understanding how Transunion was able to verified. So on Letter Date XX/XX/XXXX, I had a Freeze on third consumer filed. I demand that this public record for Chapter XXXX Bankruptcy # XXXX be removed from my file due to lack of verification and inaccurate reporting of verification was date XX/XX/XXXX. I have requested three time that Transunion provide proof of verification as of today, I have not receive the documentation shown proof of verification. 
I request and demand that this public record Bankruptcy ( XXXX ) be removed/ permanently deleted due to lack of verification and inaccurate reporting of verification date. Because third party consumer DO NOT disclose information on accounts with a security freeze placed on them. Please assist me with the above issue.

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 04/23/2015 about Debt collection (I do not know) with Patenaude & Felix APC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work!

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received an alert today that my account balance with Midland Funding LLC went from {$1500.00} to {$1500.00}. This debt account was opened on XXXX XXXX, XX/XX/XXXX according to my credit report. Upon further research, this company has pulled my credit information several times but continued to send all mail to an older address since XX/XX/XXXX All of sudden they have my correct address in XXXX XX/XX/XXXX, and they obviously did not get it from me because I never heard of them until XXXX XX/XX/XXXX when I was summoned with a XXXX XXXX from the XXXX 's office. I called the XXXX XXXX a few days later to see when the mediation order was set up by Midland. The clerk told me that Midland had yet to set up a mediation at the time, and that I would be contacted soon they did. In XXXX XX/XX/XXXX, I received a Plaintiff 's XXXX Request for Production of Documents and sent the documents back to XXXX XXXX who was the person contacting me from XXXX XXXX XXXX. As I stated earlier, I have not heard from this company since then and got an alert today on my credit report that Midland Funding LLC has added additional fees when I have not heard from them in over a year. My affidavit shows a lower amount than what they are trying to collect from me. This was a charged off account, and I have not heard from this company since XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been paying off my $XXXX loan since XX/XX/XXXX. A few years ago my servicer was changed from XXXX to XXXX education. Today I received a notice in the mail that my loan was going to be changed again and serviced by "Nelnet" as of XX/XX/XXXX that any payments past this date would be automatically forwarded to "Nelnet". (date I received this letter is XX/XX/XXXX) I have not received any info from this other company "Nelnet" regarding them acquiring my loan and how to proceed with payments. 
As of today the XXXX education website goes to a blank web page. No information is available about any of the payments I have paid over the last 5 years. XXXX  "This Page isn't working." "HTTP ERROR 500"

How is it legal for a loan servicing company to make my financial records regarding over $25,000 in payments completely inaccessible to me. I can't believe that this is a legal action that this company, XXXX, has taken. If it is yet another transfer of my loan, fine, but why haven't I received some sort of record to date of what my current loan balance is along with the information about how my loan is being transferred? These companies should have an ethical obligation to provide such information before rendering their services unavailable to loan payers. Since they obviously don't have moral compass, it should be made a law to require there loan servicers to provided this paper trail {all it would need to be is a XXXX spreadsheet printout} before transferring loans, to prevent the new loan servicers from taking advantage of those of us that haven't been taking screenshots of every new balance after payment.  This is highly unethical and I am stressing out that this new loan servicer, Nelnet (who has zero info about me so far) might conveniently get my balance wrong causing undue stress and anxiety over having to prove that I have already paid down over $21,000 on this loan's principle. It happened to me before when I transferred from XXXX to XXXX and I had to make them correct it. It would have cost me thousands if I had not noticed. I am so sick of this XXXX. AND my interest on this federal loan is 6.75% < unethical to the max  > a sad story for another day.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I  find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debts were incurred to Citibank around XXXX years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against XXXX. that name was incorrect, and this complaint corrects that mistake ).

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 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX/XXXX/XX/XX/2015 - While attempting to correct date of birth error in my credit profile via TransUnion website, I received an error message that instructed me to call TransUnion customer service at XXXX XXXX XXXX XXXX. I then called customer service representative at XXXX XXXX PDT and was told I needed to call TransUnion dispute resolution center at ( XXXX ) XXXX during normal business hours. 

XXXX/XXXXXX/XX/2015 - I called TransUnion dispute resolution center at XXXX XXXX PDT and spoke to XXXX XXXX. Happily, XXXX XXXX was able to correct an error in my address history, but unfortunately XXXX XXXX refused to correct my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These DEBT COLLECTORS HAVE CALLED 6 TIMES SINCE YESTERDAY XXXX, THEY HAVE CALLED MY GRANDDAUGHTER, ME ONCE, MY SON ONCE, MY DAUGHTER IN LAW ONCE, AND ME TWO TIMES TODAY. This has got to stop. Now everybody thinks I gave them permission to contact them. I do not know who they are and what they want my attorney said not to talk to them. But I will contact them right away to get to the bottom of it all.

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 12-05-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please assist me in removing addresses that do not or did not belong to me. I have disputed this matter several times with Experian and they have not removed these inaccurate addresses from my credit file. 
Addresses : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with Ray Klein, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I got a notice on Friday stating I owed money for medical bills. It went from XXXX to over 1200. What was a simple blood test, turned into a huge loss. I called Monday morning to make a payment. I paid XXXX to them. Tuesday morning I woke up to see my bank account drained. I called my bank who stated it was the collection agency. I only authorized the XXXX to be paid. They took everything I had without any legal authority.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation