milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AR Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application processing delay

Complaint: This is a follow-on to several existing CFPB complaints against Bank of America. Further to the existing file, they incorrectly applied a payment in XXXX to the prior month when it was intended to pay the current month. they therefore said the account was late. they applied a late fee on XXXX XXXX. I called on XXXX XXXX and explained the situation. They removed the late fee. They neglected to note the file that the payment I had made was for the immediate prior month statemnt, so when the next one closed, they carried forward an erroenous past due amount, even though three days earlier we talked on the phone and they " fixed it. '' I then had to call in again for over a hour on a Sunday and, after having the rep misinterpret my file thining I was a chronically late payer, when in fact I pay as early as possible, she said she moved the payment, it was fixed and the wwebsite would be correcteds to no longer show past due. all I would hve to pay is the newest mnobnth. The webstie did not correct and I filed a CFPB complaint earlier this week. They still have not fixed it. so I paid {$100.00} for the current month even though the website still showed wrong info. This mornign, the website is still showing a missed payment and a late fee as due. I am on the phone with B of A and the rep is telling me to disregard the late payment notificatios the website is displaying. No, the website needs to be correct and if I don ' ; t get them to fix it, you don ; t get them to fix it, or I make a /THIRD payment this monthkl they will still rerroneously relfect me as late. sorry for a all the typose, I am in a XXXX rage at this point. -- Five minutes in, and the rep on the line is acknowledging, for the umpteenth time, that this " should have been corrected, you are absolutely right, we will get this tken care of straight away ''... but they never do, and then when it happens again, I wil have to spend hours trying to get it corrected.

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 11/28/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: My adjustable rate mortgage increased and I have no problem making the payments, as my FICO score is greater than 803 and I have plenty of money. 
My problem is twofold : 1 ) the statement I received is misleading ; and 2 ) the " customer services '' practices of this company is deceivingly a sales gimmick. 
Ditech maneuvers to first sell re-finance packages immediately AND before it transfers me to the customer service center to discuss why it held in suspense over {$1200.00} I timely paid toward my mortgage, while simultaneously claiming I owed twice the monthly payment by XX/XX/XXXX, else I would AGAIN be charged a late fee of {$63.00}. 
Ditech immediately answers their phone ( which is the only number posted on their statement ) to sell refinancing and homeowner 's insurance. Only after they 've pushed their refinancing sales on customers are we then transferred to " customer service '' and then we have to " press 1 '' to not have to go through this process again, but to instead have the privilege of holding on the line to discuss the issue regarding which we called. Having pressed " 1 '' so as not to have my call dropped, I held for over 10 minutes to wait for " customer service '' to attend to the issue. The issue was resolved by me paying the late fee of {$63.00} and the increased adjustable payment of {$67.00} ( to add to the {$1200.00} which was " funds in suspense '' ). 
The statement is misleading. It claims I owed {$2600.00} by XX/XX/XXXX, which does not give me credit for the {$1200.00} I already paid and which they acknowledge receiving ( yet held the funds in suspense ). The statement SHOULD have said I owe {$130.00} ( {$63.00} in late fees and $ {$67.00} representing the balance due on the increased adjustable payment to make my {$1200.00} payment whole. ) Once I worked this confusing billing statement out, I wondered what happens to the elderly and " little guys '' who do n't have the time or resources to navigate through Ditech 's sales tactics, holding the line ( have to press 1 not to have the call dropped ) and persevering to get the correct balance due amount articulated so the money Ditech already received is applied to my payment? 
While I was thinking this out loud on the phone with the " customer service '' person, she had the audacity to ask me if I 'd like to buy homeowner 's insurance -- clearly a " canned pitch '' she was required to ask as part of her concluding the call. 
I know there are worse companies out there than Ditech, but these processes and practices that Ditech now has in place are predatory and justify the existence of the CFPA, assuming the CFPA is cost effective in regulating this kind of behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Federal Adjustment Bureau, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The bankruptcy is over 7 years old and should be removed from my report.

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 12-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am listed as having an outstanding debt on a Holiday Gas Card that was opened in XXXX by my husband at the time. I am in a re-financing phase and have been told that I have an " outstanding debt '' with the Holiday Corp., according to the Credit Bureau. I contacted Holiday and, according to the Holiday credit manager, I never was a secondary on the account. I am listed as being " spouse '' at that time, but not a person who could charge and/or who was obligated to pay this credit card debt. I am now an " ex-spouse '' and the account remains open in my ex-husband 's name. I would like my name taken off of this credit card and my name cleared of any outstanding debt with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax and my car loan company XXXX will not work with me to add XXXX back on my credit report. I disputed the late payment from XXXX we have been going back and forward about this dispute for over XXXX months and neither company is willing to do their job. I paid XXXX a month from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: EQUIFAX BREACH - TRUSTEDID NOT PROVIDING SERVICE as promised. I signed up for TrustedID as Equifax 's offered solutions for my account being involved it the breach. My TrustedID account is fully set up, and I received an alert about my account via e-mail. TrustedID would not allow me to log in for a very long time - the portal does not work! Finally after 31 tries, it logged me in. The items appear fraudulent but it does n't offer a way to flag or report them. I tried calling the fraud/customer service line in the TrustedID e-mail and it renders a BUSY SIGNAL! This is perpetuation of the scam and breach by Equifax and is a complete failure to provide the promised service. I suspect it is affecting millions of people.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 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: I have 2 items listed on my credit report as collections from the Company XXXX XXXX ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the XXXX XXXX agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.

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 07/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private loan now through navient that was previously with XXXX XXXX. My monthly payment to them alone is over {$700.00}. I 've called many times in the past for assistance especially to have my now deceased grandfather that was my co-signer removed from the loan. They wo n't remove him without an original copy of a death certificate which I 'm no longer able to obtain without significant cost to me. I 'm now 2 months behind on my payment and receive daily harassing phone calls from various states and numbers to disquise the calls. I called today for assistance as I 'm eligible for federal help and wanted to try to work with them to reduce my payments. We went through a financial profile that I had guesstimated amounts because it varies from month to month to which they told me I should have {$1000.00} a month left to pay them. So if something were to come up emergently that would leave me with less than {$300.00} to my name for a month. They would not work with me except to put me in forbearance which would cost me {$150.00} which is half of what I currently have to my name until I get paid in a week which would give me time to account for where that {$1000.00} is going. I am a single income household trying to live on my own in need of a new car sooner rather than later and all I received was a condescending tone from both the employee and her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$100.00} XXXX XXXX XXXX {$110.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX 2015 I submitted a {$1200.00} payment to my XXXX XXXX XXXX XXXX credit card, through the online banking service of my Bank of America checking account. 
As of XXXX XXXX, despite XXXX lengthy telephone calls ( starting XXXX XXXX ) to multiple departments at both institutions, the payment has not been credited. XXXX states their credit card department did not receive the credit ( which BofA sent electronically ), Bank of America states they sent the funds but XXXX does not want to acknowledge it. 
I have been unable to obtain ANY documentation inherent the transaction, ex. what institution, routing code, corporate receivable account, batch reference tracer code, etc. nor a written acknowledgement of my claim by either of the XXXX institutions. This despite my repeated requests for formal acknowledgement. During the multiple conversations I understood that the payment, which I had instructed BofA to send to XXXX post office box, was processed electronically and sent to XXXX as the processor for XXXX. 
On XXXX XXXX I was " conferenced in '' with representatives of XXXX financial institutions, BofA Escalation Team and XXXX Claims, who promised to " investigate '' but refused to supply any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have been a loyal customer of Regions Bank for several years. Never have I overdrafted my account. A week ago I noticed that my account had overdrafted. I immediately went to the bank to pay off what I had gone over. To my shock, I had been charged over {$800.00} in overdraft fees, which is more than the amount I had even gone over. After calling, emailing and visiting a branch SEVERAL times over the course of one week, I have gotten nowhere. Not only that but the person I spoke to on the phone with customer service was extremely rude and even laughed at me. Having never overdrafted on my account and immediately replenishing the account, I believe these $ XXXX in fees is unethical and abusive. I repeatedly asked the bank to freeze my account so that if anything else comes in, it just needs to be declined. They failed to do so as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (KY).
Issue: Managing the loan or lease

Complaint: I have an auto loan through consumer portfolio services. In XXXX XXXX, my husband lost his job and we are no longer able to afford this loan. CPS offered to defer some auto loan payments and I declined. I advised a voluntary surrender was best for my situation. I received a notice in the mail yesterday, CPS processed a due date change moving my payment out 30 days and extending the loan even after I advised I ddi not want this to happen. It appears in XXXX CPS was fined for unilaterally modifying contracts and other illegal business practices resulting in them paying the FTC XXXX XXXX in fines and penalties. I believe the practice I described above is continued unilateral modification of contracts without my consent. On XXXX/XXXX/XXXX, I called CPS and spoke directly with a man named XXXX XXXX at XXXX ext XXXX or direct number of XXXX who advised he would forward my file for voluntary surrender. I have attempted to contact this company regarding the " due date change '' they claim they processed on this loan to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I wanted to order a credit report with Equifax. They only offer an ongoing service that charges your credit card every month but they say you can cancel at any time. What they do n't tell you is that you ca n't cancel online and you have to call so they can try to talk you out of cancelling. I think that ANY company that allows you to order a product online that is subscription based should be REQUIRED to allow you to easily cancel online.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A few days ago I received an alert from my credit monitoring system that an update had been added to my credit report and I contacted the transunion credit bureau to alert them of my situation. They did not comply due to my not completely confirming my identity. I decided to allow an attorney to submit the pertinent information of proof of identity. I also contacted the Consumer Financial Protection Agency to have a further investigation to remove this disqualified request of an overcharge on my XXXX account. The breakdown the charges of the bill and continued to submit different charges with each billing statement that was submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been seeing this on my credit report from MCM, Midland Credit Management regarding over {$1300.00}. I still have n't received a verification of debt and I do n't believe this is legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I went to deposit a check in my Bank of America account from a relative. I was desperate with a sudden eviction after my apartment went condo so a relative helped me financially. After depositing it, their check was returned due to unpaid funds and I was charged a " Returned Item Chargeback Fee '' for {$12.00}. This is a ridiculously unjust fee- how was I to know that the check I was depositing would bounce? Why am I penalized for this?

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 02/13/2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have tried to get Equifax to completely remove XXXX XXXX XXXX from my credit report due to how XXXX went about taking my truck with many phone conversations with Equifax about it. I also called XXXX credit numerous times for them to remove it as well. They have refused to over many years. Because of them I have not been able to get any credit. I also have disputed time and time again to have my inquiries for credit removed due to being turned down and they refuse to do that as well. I need all my inquiries removed off of my reports. Under disputes with these credit Agencies, they have removed the remove account option in order to do so and will not listen to comments or requests to do so in their add more information box with it. They also have never sent me paperwork on their investigations as well and the process they went through of documentation to make sure they did their job. The have not followed FCRA guidelines for Due process.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Medical) with DYNAMIC RECOVERY SERVICES, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The company Dynamic Recovery Solutions has placed a collection on my credit report and also calling me everyday. It says that it is a collection from XXXX XXXX hospital from 2008. This the XXXX that I 've heard of this. They swear that it 's me, but it 's not. There are 3 other people in this city that have the same name as I. They do n't even have the correct address for me and I 've been in my same house for over 15 years.

Company response to consumer: Untimely response
Consumer complaint received 01-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been the victim of identity theft twice in the past. Diversified Consultants, purporting to represent a debt with XXXX ( a company I have never done business with ), has been unable to validate this debt which is, additionally, outside the statute of limitations. This company persists in placing fraudulent negative reports to my credit monthly.

Company response to consumer: Closed with explanation