milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was informed via XXXX department store roughly a year ago that a person in XXXX was able to use my social security number to use my XXXX account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. XXXX also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that XXXX said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.

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 08/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage foreclosure/ Trustee Sale on XXXX XXXX, XXXX already faxed in the loan re-modification form to Chase. So far, there is no answer yet. In the mean time, we might precede selling our house or applying for Reverse Mortgage Program, or filing bankruptcy. Your prompt attention to help us postpone the sale date would be appreciated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXXChase XXXX. XXXX XXXX XXXX, OH XXXX : Chase Bank Mortgage Account # XXXX paid {$670.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX for above referred mortgage account monthly payment ; {$670.00} for XXXX and {$2500.00} for XX/XX/XXXX. But Chase Bank only credited {$2500.00} to our account and did not credit the other {$670.00} XXXX. It was cheating and violated the consumer law. A copy of payment record is attached. 
Chase Bank setup escrow account to pay for house insurance and property tax. The attached XXXX monthly mortgage payment notice indicates that Chase post {$1300.00} as our property tax payment. Actually, Chase Bank only paid {$410.00} on XX/XX/XXXX for the house insurance but not for property tax. Instead, we paid the property tax {$2300.00}. Fraudulently, Chase posted and charged us {$1100.00} and {$550.00} as current and next escrow account payment. It 's a fraud scheme. Chase Bank Mortgage Corporation violated the consumer law by unilateral manipulated and modified home mortgage policy without notify and having agreement from the customer. 
Unless you correct your mistakes and reimburse our loss within ten days ; otherwise, we would complaint to proper authorities. 
Truly, XXXX XXXX Attached : - Chase Bank Mortgage Corp. account monthly statement. - Recent Mortgage On line payment records. - Property Tax {$2300.00} Paid on line confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Ballato Law Firm, P.C. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This attorney is sharing my information and posing as an attorney and debt collector, I want his oath of office before the court date, I was issue a warrant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: We took out student loans through XXXX XXXX XXXX. We were billed for all XXXX years, though my XXXX only attended for a few semesters. We have continued to pay, but the amount continues to increase and we are told different information each time we call. I do not feel this is being handled correctly and this is the same school that was closed due to fraudulent student loans. We have tried to resolve with navient, XXXX XXXX and XXXX XXXX as each of these companies have serviced the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I have a home mortgage with TDBank. I desire to make additional payments toward principal on this loan. They do not allow you to do this -- either through electronic banking or through automatic funds transfers from other banks. They force you to call a separate mortgage department and process for each transaction individually ( or mail a separate payment each month ) thus putting up a barrier to the consumer regularly adding additional principal payments and thus shortening their loan term. I found it annoying and revealing that they call additional principal payments " Curtailment '' payments and not principal payments. In short, no one could give me a way of having additional principal payments added on a recurring basis. This seems like a passive way of ensuring that the consumer has barriers up against prepayment and should be against the law in my opinion. None of my other mortgages operate in this way there is complete transparency of how many payments I have left and I can pay down principal electronically any time I want from any account I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However XXXX and Experian have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to resolve this issue with  XXXX  and Transunion.   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my Transunion and   XXXX   credit report for   XXXX   XXXX  . It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that Transunion and   XXXX   seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.

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 03/27/2015 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I received notice from a debt collecting law firm on XXXX XXXX stating that a law suite was being filed against me for a debt I owed to a creditor by the name of XXXX XXXX in the amount of {$8100.00}. After receiving this letter I pulled my credit report only to find that this bank reported this debt and charged it off as bad debt. After putting together a dispute letter to this law firm requesting validation of the debt, I was served with a summons and complaint on a debt that I know nothing of nor did I ever sign for any debt with XXXX XXXX. I will be answering my summons and complaint immediately because they did not submit competent evidence bearing my signature that I ever had any contractual obligation to pay this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: In XXXX Wachovia/WellsFargo placed a HELOC lien on property that they do not have a loan against. This is my investment property. They were contacted on XXXX/XXXX/XXXX regarding this and asked to resolve this asap since they refinancing was to be on XXXX/XXXX/XXXX. They have yet to correct this as of XXXX/XXXX/XXXX and today asked for 10 more days.

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 06-02-2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Applied for loan/did not receive money

Complaint: I ca n't stop Bill collectors for harassing me. Or making have conical problems

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I RECEIVED AN EMAIL IN  XXXX  FROM   XXXX   XXXX   XXXX   XXXX   ME TO CHANGE MY PASSWORD. I THOUGHT IT WAS STRANGE BECAUSE I WAS A   XXXX   CUSTOMER SINCE  XXXX . I CALLED   XXXX   XXXX   XXXX   TO INQUIRE ABOUT THE EMAIL AND THEY STATED THAT IT WAS FROM MY ACCOUNT. I TOLD THE  XXXX  I DID NOT HAVE AN ACCOUNT WITH HER COMPANY AND WANTED THIS INVESTIGATED. SHE STATED THAT THE ACCOUNT WAS OPENED IN  XXXX . I ASKED WHO WAS PAYING THE BILL ALL THESE YEARS AND SHE STATED SHE COULD NOT GIVE ME THAT KIND OF INFO.   I REFUSE TO PAY FOR A CELL PHONE BILL THAT DOES NOT BELONG TO ME.   XXXX   XXXX   XXXX   SOLD THE COLLECTION TO CREDENCE RESOURCE MANAGEMENT WHO IN TURN HAD THE NERVE TO PUT THIS BOGUS ACCOUNT ON TO MY CREDIT REPORTS.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXXXXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have tried on different ocassions to dispute inaccurate information on my Equifax report regarding the creditor XXXX XXXX. Each time i dispute it the inaccuracies continue and even become more inaccurate drastically decreasing my credit score and hurting my report. I woulld just like this account removed completely from my report since it cant seem to be reported accurately and is causing major damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a call on or around XXXX XXXX, 2015 from XXXX XXXX, Producing Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX. This was my initial mortgage lender under the name XXXX ( they later changed their name ). Shortly after obtaining the loan it was transferred to XXXX XXXX XXXX XXXX. I have been paying XXXX now for around 2 years. XXXX XXXX was calling to advise me that they were going to be taking back my loan from XXXX. He said he would be sending me the details. I have no current account information for XXXX only XXXX. I, later that day received an email that essentially just said " Welcome back to XXXX '' ( attached ). I have received no other communication from either of the lenders. Later in the month I received my regular statement from XXXX with no mention of this change. It is now XXXX and I have still received no notification of transfer from either lender, no date of when service will stop with XXXX and new service will begin with XXXX and no effective date of transfer, as required by law. I have no idea who I should be making my next mortgage payment to and I do not want it to be paid to the wrong party and not credited to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: IN RESPONSE TO EXPERIAN 'S PARTIAL RESPONSE TO MY COMPLAINT # XXXX - THEIR RESPONSE IS TOTALLY INADEQUATE AND MOVES ME ONE STEP FURTHER TO FILING A LAW SUIT AGAINST THEM AND TO GOING TO THE MEDIA ABOUT THEM AND THE INSTITUTIONALIZATION AND COLLUSION OF THE CREDIT REPORTING INDUSTRY. THIS IS THEIR LAST WARNING. THEY CLAIM THE ADDRESS I SUBMITTED IS NOT ASSOCIATED WITH MY EXPERIAN CREDIT RECORDS. THAT IS A TOTAL AND INTENTIONAL LIE- I JUST PULLED MY FREE ANNUAL CREDIT REPORT AND IT IS EXACTLY (! ) THE SAME ADDRESS AS IS ON THEIR REPORT. THEY WILL BE SUED WITHIN 30 DAYS IF MY ORIGINAL COMPLAINT # XXXX IS NOT RESOLVED TO MY SATISFACTION.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: Capital One has been uncooperative, combative, and has denied me the right to pay my final payment by check for an account that has been compromised. I WILL NOT PAY THE INTEREST. I have been wasting HOURS on the phone and have had XXXX make XXXX comments to me about who has used my credit card when it was fraudulent. I ca n't and WO N'T send them my driver 's license, birth certificate, social security card, and will continue filing complaints with the XXXX as well on this outrageous behavior. No one has bothered to contact me and I 'm sick of complaining and being put on hold, denied access and as a result ca n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Delinquent account

Complaint: On my credit report, I fail into delinquent standings with Bank of America credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Bank of America cards which I do business with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Credit card () with DISCOVER BANK (OK).
Issue: Billing statement

Complaint: Discover Card Services failed for 3 months in a row to send me a billing statement or notification for {$14.00} and {$16.00} charges to my physical address or email, -- which I did not authorize on this card. ( Formerly carrying a {$0.00} balance for years! ). When I called their Representative about them not sending me any kind of statement of account, I was told that " Sorry, but there 's nothing we can do about it, you were late paying ''. I 've been a Discover cardholder since XXXX with no late payments. I would not risk ruining my good credit by not paying {$14.00} and {$16.00} statements. Very poor business etiquette by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Barclays Bank to inform them of a fraudulent account open in my name. I agreed to help in any way. I called them today to check on the account as it was showing still open on my credit. They say they have completed their investigation and confirmed the account is valid. I have never applied for this account.

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 05-08-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CT).
Issue: Closing on a mortgage

Complaint: In   XX/XX/XXXX t he last payment of  the Ditech lo an ( they had purchased from  XXXX   )  was due. I had monthly automatic withdrawals established for my lo ad. Four days  prior, realizing I had not gotten anything concerning the payoff of the load, I called  Ditech  asking for the payoff and asking them to no longer take payments from my account since the loan will be paid off. They told me it was too late to cancel the payment for the final amount and they would refund me the difference after the payment. Based upon this, I did n't make the payment. When I noticed they had not taken the payment I notified them and they had tacked on fees etc. They credited the fees to me and gave me the address to send the final payment. I told them i did not expect this to hit my credit report and they assured me it would n't. In  XX/XX/XXXX , I checked the credit report and there it was. They continued to say that they had not reported it. I supplied them all the requested information and they replied by email saying it had been taken care of ( I have copies of the documentation and email ). I checked my credit repo rt in  XX/XX/XXXX  and it is STILL there. When I call them they still  say they did n't report it. The supervisor I spoke with reviewed the notes and though their email said they took care of it, she said the request was denied all 3 times I called in. When I said I had the email stating it had been taken care of she said it was taken care of ... it was denied. She was supposed to contact " them '' again to understand why and call me back the next day. She of course did not. I 'm seeking help to get this error off my credit report. I was unfairly penalized for their error. They admitted it was their error by crediting the fees but they lied repeatedly about reporting to the credit bureau and then refusing to correct the situation.   Thank you.    XXXX   XXXX   (   XXXX  )

Company response to consumer: Closed with explanation