milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: APR or interest rate

Complaint: For the past several months, Bank of America Credit Card Services has been miscalculating finance charges and misapplying payments between XXXX different categories of regular purchases, cash advances and balance transfers. The allocations are not in accordance with federal guidelines. I contacted Bank of America on multiple occasions and each time received a different explanation as to how they achieved these magical calculations. I had the issue escalated to a special team of managers who finally admitted there was an error with how their system is calculating finance charges but they also explained that I was the only consumer that had brought this to their attention. They asked for one weeks time to look into the issue as they were going to have to escalate the problem even further internally. My ultimate concern is that this issue is on a grand scale and that XXXX of other consumers are being affected. I plan to initiate a class action investigation into the issue but wanted to file any formal complaints necessary immediately. I am not implying nor do I have any evidence suggesting that Bank of America has acted maliciously, however it is deeply concerning that it was so difficult to get anyone within customer service to recognize or admit there was in fact an issue. I had to literally teach them why their multiple explanations were incorrect and I do n't believe the average consumer would be as persistent. The representatives all seemed confident in their inconsistent explanations regarding the calculations so this could certainly be a training issue on top of the finance charge calculation error. When the latest manager realized I was correct in MY calculations, she seemed shocked herself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from  XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

Experian said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY

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 01/19/2017 about Credit reporting () with OPTIMUM OUTCOMES, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid and I was told by the collection agency that it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Case number : XXXX Despite the resolution of this case and my efforts to resolve this matter, the account still being reported in with XXXX. 
XXXX claim that only the collector can delete the account. 
I have spoke with XXXX XXXX XXXX and have wasted my time. 

XXXX XXXX XXXX do not show respect for the law, nor for the resolution of this case and much less for the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Payday loan) with Kirkland Asset Management LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have been getting calls for the last year or so regarding a debt from XXXX XXXX my husband and I took out in XXXX of XX/XX/XXXX I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from Kirkland Asset Management a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I enrolled at XXXX here in XXXX, TN back in XX/XX/XXXX. Moved into my dorm the same month. I applied for financial aid and it was awarded to me. I never received a schedule, nor books. My financial aid advisor later informed me that I would have to withdraw or take out an additional loan, because I did not have enough money to cover my cost. I ended up withdrawing I think in XX/XX/XXXX. Till this day XX/XX/XXXX, I 'm still struggling to pay a loan for a school I never attended. Due to my age my mom an I went to the school and spoke with The President, and he promised to get back with us, and we never heard back from him. We were told that the financial aid advisor had been fired because she was stealing the money, and nothing on my end could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Requested early PMI Cancellation Forms on XXXX XXXX, 2015. After a month, I still did not receive the documents requested. Called on XXXX XXXX, 2015 and I was told they held it up to investigate if I qualified ( but I was never informed of this ). They said the information would be emailed to me by end of day ( or someone would reach out if I did not qualify ). Neither of those two things happened. 

Called again on XXXX XXXX, 2015 and was told the requests were not submitted correctly and the rep would have to put in a new request. I was told documents are to be mailed out Monday XXXX XXXX, 2015. 

The delays have now cost me {$100.00} to date, with a high probability of costing me another {$100.00} this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Rewards

Complaint: I applied for an American Express XXXX card on XXXX XXXX, 2016 with a bonus offer of XXXX points for meeting the spending requirements within 3 months. I met the spending requirements prior to the end of XXXX 2016. I was awarded the bonus points on XXXX XXXX, 2016. I have been trying to transfer the points to an airline transfer partner to book a flight for XXXX. However, my points have been under investigation for a while now, and I am still unable to use them. To make matters worse, this investigation has caused all of the points that I earned from my other American Express cards to be unusable as well. Meanwhile, the flights keep on filling up as I wait. What I want is for them to speed up this investigation process or allow me to use the points that I earned from my other American Express cards.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (TN).
Issue: Settlement process and costs

Complaint: My husband and I own a XXXX XXXX XXXX property which is encumbered Ditech and, despite dozens of contacts with Ditech, we have been unable to get them to release the property. Ditech 's failure to respond may harm our ability to honor a contract on our home, which is currently marketed for sale. After 15 phone conversations, emails with 7 different departments and faxes to three different fax numbers, Ditech has failed to respond to our request. Our home and our neighbors ' home were misidentified on the property assessor requiring modifications of the deeds of trust and legal descriptions of our XXXX properties. The other mortgage holder, the two owners and the title company have prepared and signed each and every required document yet Ditech continues to encumber our property. We are unable to honor a contract on our home until Ditech responds to one of the dozens of phone messages, e-mails or faxes we have sent over the past two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: OpenAccount # XXXX $ XXXXBalanceXXXX XXXX PLUS XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNotethis should have been removed a long time ago and yet it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing engaged in " dual tracking '', violated the RM/SPOC requirements, and did not properly complete the short sale / loss mitigation options prior to conducting an illegal foreclosure in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle loan) with Fleet Financial, Inc. (TX).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX I refinance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I refinanced thru a different Credit Union. I emailed and called to cancellation of my Gap Insurance for a refund. I am still awaiting my cancellation form to cancel for my refund. I cancel my XXXX refinance and Fleet Finance agree to cancel but have yet to send XXXX XXXX XXXX it money back for cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Medical) with Genesis Credit Management, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Genesis Credit Management continues to call me regarding a debt that I have disputed and do not owe. I have sent them certified letters disputing the debt and subsequent letters telling them to stop contacting me. They continue to call after XXXX and at times as early as XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  Equifax  but still reporting as an closed account on Equifax, and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may result in a  lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a short sale package with authorization on XXXX XXXX and I keep calling Seterus to get an update and they are stating the are XXXX business days behind in reviewing short sale documents and authorizations and there is nothing they can do. It is now 4 days away of being XXXX since I submitted the docs and I can not speak with anyone regarding this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: It is a known fact that XXXX XXXX XXXX XXXX XXXX XXXX employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown XXXX XXXX XXXX XXXX XXXX XXXX employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance XXXX XXXX XXXX XXXX has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year XXXX XXXX XXXX XXXX XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted XXXX XXXX XXXX XXXX XXXX in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and XXXX XXXX XXXX XXXX XXXX XXXX has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of XXXX XXXX XXXX XXXX XXXX XXXX on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been attempting to submit a dispute x3 days. I tried online 1st and the site had me verify my information and then timed out each time while I was still entering information, at no time was I inactive on the site. The 4th attempt said it was unable to verify my information, the same information I had entered previously. It then instructs you to fax your dispute along with a copy of your driver 's license to XXXX. My fax to this number failed because it did n't answer. I called it and determined this number to be soliciting services for XXXX and in fact not a fax number for the agency. Lastly I called them to submit my dispute via phone and advised them this number was bogus to which they did n't acknowledge, address or provide me with a better number. Their website is instructing people to send their sensitive information to his phone number and they should be made to correct this info or remove it all together. This agency gives you a runaround trying to update your own information and that 's not how this process should work with fair credit reporting, a person should be able to successfully and securely submit updates via the method they have provided and the information they provide should be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I opened a savings account at Wells Fargo. After noticing how frequently they imposed fees, on XXXX XXXX 2016 I decided to close it. I called and requested the closing of the account and the transfer of the existing balance ( {$1300.00} ) to my XXXX XXXX account, which was linked to it. On the phone they agreed to do that. 
By XXXX/XXXX/2016 the account was closed, the funds gone, a note in the statement for the month said " Account close Cashier Check {$1300.00} ). However I never received the check or funds. They have disappeared. I called and they claimed that they sent the check by regular mail. I never received that check by email. I went to Wells Fargo 's branch in XXXX, where XXXX XXXX XXXX, store manager, XXXX, to ask for the check to be replaced. XXXX XXXX said that I would have to pay a fee of {$30.00} for " lost check '', plus a bond for 2 % of the amount ( another {$30.00} ). If I do not pay these fees I will not receive a check. 
2 months have passed since this started. I do not think I should be penalized with fees for funds that they have failed to make available to me. They have not provided proof of the check they sent, and even if they had, they should facilitate its replacement ( if lost ) instead of imposing " extortion '' fees to give the money back to the customer.

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 01-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Other

Complaint: I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received from my employer a Judgement/wage garnishment from XXXX. I contacted XXXX XXXX immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to XXXX XXXX that the credit card owed was a legal responsibility of my exhusband, but XXXX only gave me the option of paying the amount in full ( along with legal fees and interest rate XXXX, or XXXX would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork XXXX legal document ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed items with equifax multiple times on items I knew that did not belong to me. XXXX conducted their investigations just fine and deleted the fraudulent i tems. Equifax refuses to delete them, however. They have given me no other choice but to file a complaint against them and their practices.

Company response to consumer: Closed with explanation