milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft, and for the second time im receiving a negative consumer report, in which I disputed the false allegations once before and I will be disputing this report again because it was not me, I was never put in such a criminal situation. I was able to get a position at the same company in question, and they also had a background check done and I disputed it and I was able to work with the impression that the negative report was removed from my name. I need it to finally be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with TD BANK US HOLDING COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I bank with TD Bank and have my mortgage, checking and savings accounts with TD Bank. When I moved from one address to another, I updated my address by calling TD Bank 's customer service, however, the agent failed to update my address for mortgage account while he updated it for my savings and checking account. TD Bank received undelivered mail for my mortgage account and never bothered to inform me through email or phone both of which they have available. In the meanwhile, the monthly mortgage payment went up from {$1000.00} to {$1000.00} due to change in escrow, hence increasing the payment by {$22.00}. I had an automatic payment set up from my TD Bank checking account to TD Bank mortgage for {$1000.00} monthly and was never made aware of the change in payment. I happened to see the change XX/XX/XXXX, almost 8 months after the change and called up TD Bank. They had by that time charged me several fines of {$33.00} each, used my payments for payment of additional principal pay downs and in ways that even customer service agent also could not fully explain what the algorithm used for my payments. In any case, I brought myself up to date by paying the fines and made the additional payments in XX/XX/XXXX and requested that I be paid back the fines and my credit report be corrected. I have maintained a large balance in checking account at TD Bank and there was always sufficient cash available in the account to pay the additional {$22.00} per month. Since I have been a customer of TD Bank for over 8 years, I thought it would be a simple thing to get my credit corrected and fines credited back to me after the bank looks at the circumstances. However, TD Bank refused to do so. I strongly believe that the issue arose because of their customer service agent 's mistake and second because they failed to inform me when they were getting my mail returned to them. I would appreciate if you will take up the matter with TD Bank and have the matter sorted out. I would like to have fines returned and most importantly my credit corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: Huntington checking account charged a monthly fee of {$5.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem adding money

Complaint: On XXXX/XXXX/17 I tried to add XXXX XXXX to my Digital wallet, XXXX _ but XXXX. XXXX is blocking me from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NV).
Issue: Managing the loan or lease

Complaint: Every time a make a payment on my XXXX Nissan Ultima they charge me {$12.00}. I have asked them more than XXXX times if there anyway to avoid paying the fee, and is there another way to pay. I have even gone to the dealer I purchased the car at they tell me no as well. 

Here is the ask question I asked again yesterday on the phone and today in an email format : How do I avoid the {$12.00} extra finance charge not in the APR of my truth and lending? 

My name XXXX XXXX My account # is XXXX My car is a XXXX Nissan Ultima I did n't realize there was a CFPB. A mortgage loan officer told me about. If I had known the CFPB had existed before, I would have already filed this complaint as this has been going on for almost 4 years now. 

They force me to go to this XXXX XXXX site which is directed straight from Nissan. 
I believe this should have been disclosed as another finance fee and calculated in my APR when the original loan was disclosed. This is an extra {$150.00} a year extra I have been paying that is a true cost. 

Thanks for any help you can offer me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Account opening, closing, or management

Complaint: On or about XXXX XXXX, I purchased a XXXX tour from my travel agent, who has offices in XXXX and the United States. I live in the US. My travel agent charged my Citizens Bank debit card approx. {$5200.00}, for both my daughter 's and my own trip ( approx. {$2500.00} per person ). The trip was paid for in US dollars. I then received a charge from Citizens Bank for {$100.00} dollars. No one at the Bank wanted to tell me what it was for. At first they said it was a foreign currency exchange fee. I said no foreign currency was involved. I was put back on hold. Then they said it was a foreign ATM fee. I said no foreign ATM was involved. I was put back on hold again. Finally, they said it was because my travel agent was in XXXX and not the US when I paid for my trip, which is absolute nonsense. I received no value for my money, and Citizens Bank did absolutely nothing to earn it. It is simply a fee to charge a fee and gouge the consumer, and that is not right. When choosing a new bank, I suggest choosing a more ethical bank who truly cares about their customers and puts their interests first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit 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 12-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I tried to opened a debit and check account and i received a letter that says they need a soft inquiry of my credit 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 03/14/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: We have a Mortgage & Home Equity Line of Credit with JCMorgan Chase. 
The problem we are having is when we filed Bankruptcy Chapter XXXX, JPMorgan/Chase was notified we were continuing our payments for the Mortgage & Home Equity Loan. 
We recently applied for credit & was denied. So when I checked our credit reports I found that JCMorgan Chase had reported we filed Bankruptcy on our Home Equity Loan. Our last payment was in XXXX 2013, they wrote it off & we had a {$0.00} balance. 
This was an untrue statement so we went to our local branch in XXXX, IN to get this straightened out. 
The Chase employee contacted the mortgage dept, after trying to straighten this out, he told her it made no sense & wanted her to explain it to me. 
She explained that since we filed for Bankruptcy they wrote off all our accounts and could not do anything about this. 
I told her we did n't include our home equity loan, she said we did & would need to get an affirmation from our lawyer. 
There was nothing I could say to convince her that this was an error. 
I contacted all XXXX credit bureaus & notified them of the error, sent them copies of the papers I am including along with this letter. 
I talked to a customer service representative from one of the credit reporting agency & was told Chase claimed this was true & they could n't do anything about this. 
We went back to Chase in XXXX & talked to another person who looked up our account & showed us our account is in good standing, our current balance & the payments were always made on time, & could n't say why Chase would n't correct this. 
I talked to another dept from XXXX about getting the info on who it was that was reporting this inaccuracy & told me they have all the info they need to correct this but their hands are tied because Chase will not give them the OK to do it. 
I asked what else I can do to fix this & she gave me the number to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In 2013 I received a tax form XXXX from XXXX Bank XXXX XXXX which is a cancellation of debt for this credit card for XXXX. I was required to pay taxes on this amount in 2013 which I did. Currently my credit report still states that my balance is XXXX. This is not correct. This balance was charged off and the debt was cancelled. If the balance was cancelled and I already paid taxes on this amount, how can I still have an outstanding balance on my credit report. The " Balance Amount '' on my credit report should be XXXX. I have been wrongfully denied credit for a Home Loan, which has been devastating for my family. XXXX bank should be investigated for this illegal practice of trying to collect debt, after it has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 online with both Transunion and XXXX. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.

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 03/15/2018 about Mortgage (Conventional home mortgage) with TOWNE MORTGAGE COMPANY (MN).
Issue: Trouble during payment process

Complaint: I contacted XXXX XXXX & Towne Mortgage Escrow department by E-mail on XX/XX/2018 as instructed to do by customer service. I had issues with how they calculated our monthly payment. 
The monthly payment should be XXXX they are billing {$610.00}. 
I Emailed them a copy of our 2018 homeowners policy showing the amount that they showed was paid on the statement was higher then what was due for the 2018 policy. 

They responded on XX/XX/XXXX but did not answer fully my questions. I understand that they are charging us a PMI of {$240.00} per year that we didn't know about. but there is apparently a shortage they are claiming of {$430.00} and they will not provide me a clear explaination of why a shortage exists. And I was told to contact customer service with further questions. customer service told me anything to do with Escrow I would need to contact the Escrow department. 

On XX/XX/2018 I contacted my insurance agent and she verified that they did not receive the payment of XXXX, that the Mortgage company stated they paid, instead they received what the policy amount should be {$1200.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from XXXX. This was the first time I was notified of this and right now, I am unemployed, so  I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in XXXX XXXX County, Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Payday loan debt) with Chaplain Financial Services LLC (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is in response to a prior complaint, number  XXXX  to which the company insufficiently responded. Their response was : " We sent all needed information about each account. Consumer was not satisfied with his findings. We are asking if the loans were paid to only provide us with paid documentation. '' In fact the needed information for verification was not received. That information should include in writing : 1 ) The exact name of the original creditor or successor 2 ) Their mailing address 3 ) Dates of alleged loans, loan numbers and specific amounts together with any payment history Absent receipt of this specific information in writing, we will consider this matter closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: The credit reporting bureaus are reporting a state tax lien that should have been deleted. They are still reporting a state tax lien on my credit report after several request for them to delete this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like to dispute XXXX XXXX XXXX. I paid this card off I believe in XXXX 2014 in full at the XXXX XXXX XXXX in the XXXX XXXX. Experian Credit Reporting Agency is reporting negative information of their site and this account has never been late always pay of time and as of today it is paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Astra Business Services (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call and, after realizing I had no business dealings with them, asked them to place me on Do Not Call list and to not call me back ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call to ask them once again to put me on Do Not Call list, to not call me back, and to inform them that I would report them the next time they called ; XX/XX/XXXX XXXX XXXX - Called me, so I answered and informed them that they had violated my request to not call me again and that I would be reporting them.

Company response to consumer: Untimely response
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted transunion on XX/XX/2017 regarding some information on my report that does not belong to me. I requested that they provide me with verifiable documentation that this information belonged to me. Futhermore I explained to them that my information was being used by a family member. The letter they returned to me explained their investigation process but no proof that the information belonged to me or why they have not acted on my claims of identity theft which has been documented time and time again.

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 02-03-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re :  Property Address : XXXX XXXX XXXX XXXX, La. XXXX Dear Consumer Relations, The reason for me writing is to request an investigation into Bank of America business practices. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, within the foreclosure document it states note was in default XX/XX/XXXX and notice mail. Their was six payments sent to Bank of America to cover my mortgage payments, issue from XXXX XXXX XXXX XXXX , XXXX, from the month of XX/XX/XXXX to XX/XX/XXXX. The information is documented below. 

1. Check # XXXX, dated XX/XX/XXXX, {$530.00} 2. XX/XX/XXXX, received Notice of Intent To Accelerate, delinquent {$1100.00}. Issue ( 30 ) day notice of default. 
3. Check # XXXX, dated XX/XX/XXXX, {$530.00} 4. Check # XXXX, dated XX/XX/XXXX, {$530.00} 5. Check # XXXX, dated XX/XX/XXXX, {$530.00} 6. Check issue XX/XX/XXXX, {$530.00} 7. Check issue XX/XX/XXXX, {$530.00} 8. Check issue XX/XX/XXXX, {$530.00} Furthermore, Bank of America collected {$3700.00} in payments, between XX/XX/XXXX through XX/XX/XXXX, from XXXX XXXX XXXX XXXX, Incorporated. Neither of my payments accounted, they mail me a delinquent notice to pay them {$1100.00}. My question is where is my money? The Notice of Intent does not reflex any payments that were made to my mortgage account. Your assistance in investigating this matter is greatly appreciated. 

Respectfully, 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 explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am growing incredibly frustrated by Equifax and their violation of the law. I continually dispute an inaccurate and illegal Lien showing up on my credit report under the public records section and they keep updating it as accurate and sometimes they even change the information around to make it more inaccurate and confusing. 

No where in the other bureaus does public record item # XXXX appear because they are following the law. Equifax is violating it. This lien is not on file! I am not tied to this lien this lien was for a BUSINESS. I have asked Equifax to reinvestigate this and show me how they verified it, but they have no answer for me and keep redirecting me to the XXXX XXXX XXXX. 

There is no proof that this belongs to me, personally. It can not be on my records, this is wrong. This was for a business, I am not the owner of that business. 

Public records are not legally allowed to show such liens anymore. The consumer Financial Protection Bureau executed a law against this very kind of this effectiveXXXX XXXX, XXXX. 

No social security number can be verified, no complete address or name. so how is this being tied to be? I have been matched to it illegally because in the past I was associated with a business, but this has nothing to do with me. 

PLEASE SEE ATTACHMENTS FOR EXPLANATION : Since XXXX i have disputed this item over and over again and on XXXX XXXX, XXXX I sent another dipsute asking for a full investigation and deletion via Certified Mail Return Receipt Requests, and on XXXX XXXX, XXXX a XXXX XXXX accepted my letter and on XXXX XXXX, XXXX they responded with a claim that it was verified and that this time the amount is not {$120000.00} it is {$12000.00}! 

WHAT IS GOING ON? Who is investigating this, changing the information around and verifing this in merely 3-4 days? How is this possible? The new laws STATE that all information must be verified with the clerk and be no more than 90 days old. Who verified this? who changed it? who went to the county? If there is a bogus system at work here it is matching the WRONG people to the WRONG information and harming their credit reports. Why is it that Equifax is the only one form all 4 bureaus having this issue? It took one simple dispute with the other agencies for them to see that it is not MY lien! This is a business account. 

I have attached the conflicting reports to this dispute. Please note that the screen shot showing the public record item was taken TODAY and even though Equifax now claims this lien is not {$120000.00} it is {$12000.00} it is STILL reported as {$120000.00}. I just want to show that they are truly unorganized, unprofessional. This is costing me hundreds of thousands of dollars because I am being denied credit and refinances because of this inaccurate an illegal lien. 

WHO WILL HELP?

Company response to consumer: Closed with explanation