milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: I have had issues with my account balances with Bank Of America related to issues of reported Identity theft. This has caused my balances to be improperly doubled and as a result the accounts I possess are locked out. 
Attempts to contact Bank of America in writing to resolve this issue are fruitless and I would like this office to assist me in getting my accounts unlocked =and corrected so I can restart my business life over again

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with The CBE Group, Inc. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have been trying to apply for auto loans thinking I would be sorting through a bunch of offers deciding on the best  one. For days I kept getting rejection notices. Finally, one of those gave a reason ... my credit score  is over  XXXX  points lower than it should be. I immediately applied for a credit report. After analyzing the report I found an old  XXXX  account that has been trying to collect {$120.00} that was paid years ago. For the past 3 years they have been reporting to my credit report that I am delinquent on it without any notification to me. I no longer have any record of this payment since this is from 3 years ago. I have spent hours on the phone with  XXXX  and they keep giving me the run around.

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 09/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX. Removed all of my payment credit history for my truck loan for 5 years of paying on time never late because they reported to all XXXX credit agency of first XXXX late payment then second late payment due to me disputing there action on my credit soon after that my credit score went from good to poor. I applied for new line of credit and a new credit card from my own unions who I am a active member and was turn down credit due to what was on my credit and my credit score Not enough credit information insufficient credit history revolving trade highly utilized or credit line not available this is n't fair to me I just purchase my VA home in XXXX 2016 and ca n't get a new line of credit or a new credit card to transfer my balance because XXXX XXXX XXXX deleted all of my payment history from my own unions programs after paying a 5 year truck loan to establish excellent credit that I have personal worked very hard on maintaining. Thank you, XXXX bless you and your Family!

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When applying for or renewing income based repayment, for the last ten years, I was always forced to use a one month forbearance first. This resulted in capitalized interest increasing my interest charges. As interest is now being paid as principal, it has also increased my tax liability. I was not able to claim the interest payments made as a tax deduction. Also, my last IBR renewal was denied by Navient while it was approved by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NJ).
Issue: Managing, opening, or closing account

Complaint: misplaced credit card.. -but found credit card .. call for a replacement never received replacement and this had been since XXXX/XXXX/15 spoke to a person on the XXXX/XXXX/15 and said I will be receiving XXXX on either XXXX or XXXX did n't come ..also spoke to a person on XXXX and said to call back on XXXX for a routing number for a card but did n't get threw. The number that RUSH card has do not work their always busy and when they answer they put you on hold for at least XXXX hrs. -- no XXXX customer service .. the only time they are reachable is XXXX ; XXXX in the morning ..I have sent a couple of email which take at least XXXX hrs. to be answers but the website says a it a XXXX hrs. turn around. I just want a replacement card my payroll check is deposited on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.

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 08/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit decision / Underwriting

Complaint: My wife and I bought a house in XXXX and did some remodeling, etc. In XXXX when we refinanced our construction loan into a XXXX year fixed mortgage, the rate for our nonconforming loan was 6.25 % with Bank of America. The recession then wiped out a substantial portion of the value of our home - which we have not yet recovered. 

Since then, I have had several setbacks. In XXXX, I lost my job and in XXXX, my wife passed away. 

Since XXXX, I have repeatedly tried to refinance at a lower interest and can not, despite the fact that BofA already own the liability on the home through my current mortgage. I have been given many different reasons that we cant refinance, including ; " there is no tarp loan modification program that fits for jumbo loans, even though there is XXXX for everyone else '', '' your house does n't appraise high enough to meet the 80 % threshold '', '' you do n't have sufficient income history '', and " you need XXXX years income history for your own business. " I have been paying interest at substantially more than the market rate for more than XXXX years and feel victimized by the bank. 

I have never missed a payment, but it 's becoming more difficult with kids in college, with a lower income, and without my wife 's help. I simply want to refinance at a rate that makes sense in today 's environment, a rate that is fair considering the XXXX of people who have been able to refinance since the recession. I have done my part and now I need some help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Other mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a REALTOR. I help clients with short sales. In the past we had to have the escrow company prepare a HUD1 to submit with Purchase and Sale to short sale lender. With the new regulation, escrow can no longer prepare the HUD1. I have a short sale offer in place with lender and they will not move it forward to review without a HUD1. They say they are aware of the regulation but they still require HUD1. We have given them the SELLERS 'S ESTIMATED SETTLEMENT STATEMENT but I am told that will not work. This is the first short sale that I have done since the change, not sure if other lenders are doing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Rhojo Enterprises, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote Orion 30 days ago demanding legal validation. They have ignored me.

Company response to consumer: Closed
Consumer complaint received 11/26/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: The bank own the house. The owner never told me nothing. I FOUND OUT WHEN WATER WAS SHUT OFF..cause he pay it. That was on the lease agreement. SO NOW I WANT TO STOP IT FROM BEING SOLD TO ANY ONE potential buyers

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 Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After my complaint to CFPB regarding the broken laws from XXXX XXXX XXXX. They sent this letter. This is a letter of proof from XXXX XXXX XXXX that they have CEASED all collections at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (KS).
Issue: Managing the loan or lease

Complaint: I applied for a loan with Big Picture Loans- and came to find out after being approved for the loan that they are not licensed in my state and are also charging rates of interest that are illegal in my state. When I contacted them about this they told me that they operate on tribal land and are not governed by state laws and licensing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This Equitable Acceptance Company contacted me in XX/XX/XXXX,  told me they were associated with the Federal Government to help repay student loans. I did have loans from late XX/XX/XXXX for XXXX XXXX XXXX. Told me that only a portion would need to be payed and the rest would be forgiven in their program. They said they would consolidate the loans, and if i got in, it would be before the Obama Administartion rules changed. 
They talked a good game, so I went for it. 
They told me that my payment would be lower at XXXX $ a month for 18 months then I would be done and paid off. 
They said I would be paying approx {$1800.00} total, then it would be forgiven. 
So i did it, when was presently paying around $ XXXX monthly and had out approx {$6500.00} at that time and going through XXXX. 
So to do this service with them and consolation, I was charged a one time fee of an addtional {$150.00}. I gave them my bank account information and my social, they sent me an email contract to electronically sign. I said would do this, but asked that they send me hard copy too, never received anything. I should have known then! 
So here it is months later paying {$49.00} a month, drafted from my checking account and I didn't think anything of it. Then this month, I get a letter from XXXX saying my loans were not being consolidated, due to no date and Signature being suspect, so i called them. 
This is when i realized it was a scam! I also got in touch with XXXX who said that my loan payments were stopped and it was in Forebearance! 
I only authorized this through the false claims that the company was taking care of everthing to consolidate it from original source and to pay it off. 
I called Equitable Acceptance and cancelled the payments to them and to complain that I knew was scammed. I've also been in touch with XXXX and will get on a legit repayment plan now. 
I hope I can recover the fees and payments made. 
When I called the scam comany to stop the payments, they said I was under contract with a second company and so they gave me that number, called and heard nothing back of course, and it went straight to a VM where I left two messages. Seemed like it was a cell number. 
They also told me it would still have to be paid and will be on my credit report that I didnt pay and that they had my signature on a contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am submitting more evidence in my credit dispute regarding an item on my credit report # XXXX. 

I do not dispute that my payment to XXXX XXXX was 30+ days late. I 'm disputing the reason WHY the payment was late. I have already spoken with them and they removed the late fee once they heard WHY the payment was late. 

As you may be aware, the XXXX was hit by devastating XXXX this winter. In XXXX, the XXXX. During this time, I had all my bills forwarded and was able to keep up with all my credit obligations ; however, I apparently misplaced the single XXXX XXXX bill and so it was late. Once I learned of the delinquency, I paid it immediately. They were cooperative with me, and removed the late fee. 

I have a pristine credit record, which I have worked very hard to achieve. This late fee on my credit report has dropped my credit rating from XXXX to XXXX. As I am nearing retirement, this may have devastating impact on my ability to purchase a retirement home, move, etc. 
I know that credit reporting bureaus have the ability to remove information should they so choose. I urge you to take my prior and pristine credit into consideration, consider that the store in question had no problem recognizing that the 30 + day delinquency was due solely to extenuating circumstances, and the impact the drop in FICO score has on my credit report and my reputation. I am also sending this along to the Consumer Financial Protection Bureau, as I know they are interested in issues of this type.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (Credit card) with Cascade Collections, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a collection account that is on my credit report. This agency has no authority to collect on this account as they have not proven that ownership of the original account was transferred to them. I have never agreed to nor are there any legal documents that state I am liable to pay Cascade collections. I never entered into an agreement to pay Cascade collections and they have failed to prove that. Therefore I do not owe a debt to Cascade collections. The credit bureau did not review the authenticity of the attestation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I had a credit card with Bank of America and was never late with a payment I was hospitalized in XXXX 2013 and released in XXXX 2013. I went to the branch on XXXX XXXX XXXX in XXXX Florida 2 days after my release to make a direct payment. I was assured by the branch associate that my payment would be posted and my account was still in good standing. The following month the account was closed before my next bill due date

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 06/13/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The address listed on the account is not an address I have ever lived at. I sent a letter to ask for verification of the debt and the 'bill ' I was sent showed an address that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This is in reference to Citibank credit card. the debt was in the hands of XXXX XXXX XXXX before I became XXXX as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.

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 04/19/2017 about Debt collection (Credit card) with CIR, Law Offices (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was sued and had a wage assignment for a credit card issued by Chase that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done by  XXXX   XXXX   XXXX   XXXX  and CIR Law Offices. I want to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid {$110.00} directly to the original creditor ( XXXX ) for account # XXXX and received a confirmation number of XXXX for my payment. By law, XXXX must recall the account from the collection agency ( Convergent ) as they have no legal reason to report on my credit reports and must delete.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: these collector they have been using bad tactics, ant on top trying to intimidate me, and also they have been REAGING those accounts, some time ago almost loss my job because they were even insulting the secretaries, I want to get off of this the only thing they trying to do is TO RUIN my life, it is very sad.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Money transfers (International money transfer) with CITIBANK, N.A. ().
Issue: Other transaction issues

Complaint: To whom it concerns, I would like to file a formal complaint against Citi Prepaid Services, regarding an outbound manual money transfer made on XX/XX/2016. 

The transfer was never delivered to my partners XXXX account with XXXX, and also was n't delivered to the intermediary bank, XXXX XXXX. 

We have been told by Citi Prepaid that the transfer left our account and should have been received on XX/XX/2016. Over a month ago Citi Prepaid informed us it was being elevated to their own personal investigations department and that we would hear from them regarding the status of our investigation. 

During this time frame we have heard nothing aside from that it is being investigated. We have been given zero updates with no regard for any questions we have risen concerning the status of this ongoing investigation. 

This is highly concerning as now we are worried that the money is lost or stolen and we have no support from Citi Prepaid Services in tracking the missing transfer. Their costumer services supervisor, XXXX, Informed us they can not give us a tracking number or any information, which seems unbelievable and suspicious. 

The effects of this situation go beyond just our missing money. My partner and I are damaging our credit ratings by the day, and due to a total lack of confidence in Citi Prepaid 's transfer system we are afraid to move more money into our personal accounts. 

I request that you respond to this compliant urgently. 

Yours Sincerely,

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I disputed some negative items on my credit report with Experian on  XXXX   XXXX ,    2017  and on  XXXX / XXXX / 17  I received a email stating all my dispute was resolved and not was removed or corrected. I believed they never took the time to properly dispute my item. it was more then several items disputes, theirs no way they could have investigate my case.

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