milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,  XXXX ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XX/XX/XXXX     XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/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 non-monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: While in the process of refinancing my mortgage with Bank of America, I cancelled my automated bill pay effective XX/XX/XXXX. My refinance was scheduled to close/fund XX/XX/XXXX however it did not close until Friday, XX/XX/XXXX and did not fund until the following Monday, XX/XX/XXXX. 

After everything concluded I received a late payment notice advising me my payment was over 30 days late. I contacted a Bank of America customer service representative and arranged to pay the missed payment via the bill pay system. At that time the representative suggested I follow up with checking my credit, but due to the circumstances she summized Bank of America would not report the late payment. 

I made that payment ( {$1000.00} ) and it posted to my Bank of America checking account on XX/XX/XXXX, making it technically 34 days late. However, the payment was credited back to my account on XX/XX/XXXX, because my refinance had already funded and the mortgage had been paid in full and closed. 

Upon researching this, I also discovered my refinance closing statement shows the funds were issued to Bank of America on XX/XX/XXXX. However, upon speaking with multiple customer service representatives, Bank of America did not apply the funds and close my account until XX/XX/XXXX and no one could give me a clear answer why it took them an entire month. 

I would also like to say, at the time I had four mortgages with Bank of America. Each account had been open for about 10 years and I had never made one late payment. In addition, my mortgage was paid directly from my Bank of America checking account, which clearly had more than enough funds to cover the amount due. Finally, a final payoff notice had already been sent and received from Bank of America for his loan, so they were well aware it was in the process of being paid off. 

I was made aware on XX/XX/XXXX that Bank of America reported my mortgage payment was over 30 days late, effectively eliminating my chance to obtain a new mortgage and purchase a new home. I immediately contacted the Bank of America customer service and was advised they would send a request to their credit reporting department. 

I called today to follow up and was hung up on twice by two different customer service representatives. The second time, after asking to speak with her manager.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion had a computer glitch and inquiries were added on to my report. Transunion added the inquiries without sending me a written notice 5 days prior to re add them. I contacted Transunion in good faith to ask them to remove the inquiries that they illegally re-added. I took notes of everything that was said.I explained that the inquiries added a hardship and my rights have been violated. CFPB please help and stop letting Transunion from victimizing me.

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 06-01-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TN).
Issue: Problems when you are unable to pay

Complaint: My ex wife was awarded a car in our divorce and is not making payments yet I am the one that the creditors call and harass my credit has already been destroyed I just want it to stop and why does my credit have to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Lady from Dynamic Recovery Solutions left a message to call her at the XXXX # concerning the debt collection against me. I do not have any collections against me. I have an " excellent " credit score which I checked 1 day ago. I did not nor ever will call back. They do not ask for anyone by name. In the past, I have gotten a very similar message, but I can not verify if it was the same #. Because of the nature of the call, I believe they were trying to sell something, or lying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: We own a home mortgaged thru Greentree loan number # XXXX. We put it up for sale in XX/XX/XXXX. We were notify by the County that the key numbers were incorrect. We notify Greentree when we had a accepted offer thru our XXXX title company. They were trying to get the neighbors loan modify since XXXX loans were loans were with Greentree .Should be easy fix. Closing scheduled XX/XX/XXXX. Did n't happen. Green tree did n't work with it. Sent tile company that neighbors on XXXX XXXX behind on payment. Fired Title Company hired new now all research done documents sent they email yesterday and stated it could be 6 to 8 month before I can sell my home. I will lose my buyer they have waited since XX/XX/XXXX. I would understand if it was XXXX different mortgage co but the same. I have no idea who to turn to. All I want to do is pay off my mortgage and sell to these buyers. If it is not closed by the end of this month they will back out. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Payday loan () with Clarity Services (UT).
Issue: Received a loan I didn't apply for

Complaint: Clarity Services has pulled hard inquiries for multiple payday loans, for numerous companies without my knowledge or authorization. I am in a Chapter XXXX bankruptcy, so I am constantly checking my credit reports for things like this. I disputed this with Clarity directly, as well as XXXX. Clarity has responded by requesting a copy of my drivers license, SSN, DOB and address, along with the names of the payday companies. This info was originally submitted to them with my dispute, minus my SSN. I have read horrible reviews about this company and am very hesitant to supply the additional info they 've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Over five years ago a physician spent 5 minutes diagnosing an XXXX in the XXXX, for which he charged {$5000.00}. The " analysis '' also proved to be incorrect -- a XXXX existed that he did not " find. '' When I disputed the amount and the result, he said that he spent a long time in school and deserved the outrageous charge, and denied the misdiagnosis despite the fact that subsequent XXXX resulted in XXXX and a prolonged recovery. The insurance company subsequently paid him several hundred dollars and he sent me a bill for the co-payment. The remainder of the {$5000.00} charge was likely written off as " bad debt '' on his tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Mortgage) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The amount was immaterial ( {$97.00} ), was reported to the collection agency prior to being 30 days late, and was paid within 30 days from original report to collections agency ( paid within 60 days total from date amount was due ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX XXXX XXXX, wa XXXX and university of Idaho in XXXX XXXX, ID ) now my student loans ( both federal and private ) are in repayment w XXXX and Salliemae. My XXXX major complants is that after I qualified for IBR plan they sold my loan to another agency without contact me and now XXXX having trouble with a third company and having to reapply for an IBR. In addition XXXX has removed funds out of my bank account without permission, multiple times over the last 6month 's. I have called once to four times per day directly to the onbuds but have not received any calls or written statement of the finding or request for more information. After XXXX requests, in the last 6 months, for a written statement of the repayment agreement, I still have n't received any written agreement or information on why they were not able to provide that information. On top of several problems I have had with both XXXX and Salliemae they are not correctly reporting to credit agencys ( they say that I am making late payments on my loans although they are the ones that are removing the funds out of the account. When I called them on it they said they would forward the inquiry and when the a supervisor got back to me they said it was do to processing time and days that the banks are open. They did tell me in order to get this up to date i would need to make a double payment in one month. However due to the fact XXXX is withdrawing over double the agreed monthly repayment amount. I really feel like manyof these tactics and actions are illegal and I have been advised by more than XXXX professional service to sue, however I do not want to take this action but I will if it is truly necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection account with XXXX XXXX XXXX XXXX, account number XXXX was previously deleted from my credit report now and readded. They are reporting an open date of XX/XX/2014 which is not true and a balance of {$70.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Credit reporting () with ERC (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Date of Opening Account requested, plan of service, history of plan to prove this account should be removed ENHANCED  RECOVERY CORP  Balance {$25.00} Original Creditor :  XXXX  High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.     Remove from my report Immediately

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 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: Old information reappears or never goes away

Complaint: I had disputed an account with Experian per my rights under the FCRA to have inaccurate information to be removed from my credit report back in XXXX XXXX. The account was promptly was deleted and was told that it would not be put back on my credit report. Now, some months later that account was put back on my credit report. When I called Experian to have this account deleted, they told me they would not. Even though I was able to give them a report number, to which that account was deleted.

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 10-08-2017 about Debt collection (Other debt) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After reviewing my credit report I have discovered an inaccurate listing included on my file that I never knew about and did not sign any contract for. This company which I hold no contract with nor have received serviced from, reported a amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. This has been on my credit report since XXXX and I have not been contacted to resolve this debt. I do not and should not have a signed contract with ERC or XXXX. I have never done business with either company. I am not reliable for collection from this debt from ERC or XXXX. After reviewing my report I sent debt validation letters to ERC requesting the original signed contract stating that I have or had an account with XXXX. This communication was sent XX/XX/XXXX. The FCRA requires you to verify the validity within 30 days. I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof. that I actually signed proving this account to belong to me. These disputes were sent to the credit bureaus on XX/XX/XXXX and ERC has failed to provide the necessary information and have only reported to the credit bureaus that my account was being reinvestigated. Validation that I actually signed a contract has yet to be received. As the accounts are under reinvestigation over the past two years it has affected me from getting credit to build my credit. If the validity can not be verified, they are obligated to remove this collection. I have never signed a contract with ERC or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On  XXXX   XXXX ,    2017  I booked  XXXX  tickets to  XXXX  for  XXXX  Thank You Points through the Thank You Rewards Portal. Nowhere on the Reward booking page did it state that middle names of the passengers must be included on on the booking. The airline is  XXXX   XXXX  is fraudulent and demands that the ticket be cancelled and re-booked in order to add a middle name.  XXXX   XXXX  and  Citi cla im that they can not edit the name on an airlines ticket and the customer must pay {$160.00} to cancel the airline ticket. This practice is fraudulent, criminal and highly misleading. None of these details were disclosed at the time of booking . Citi T hank You and the ir 3rd pa rt travel booking service is knowingly doing business with a crooked and deceitful airline in order to cheat customers and not disclose key details at the time of booking. I conta cted Citi  on  XXXX   XXXX ,  2017  and they claimed there is nothing they could be but charge {$320.00} total to cancel my tickets and refund the reward points.

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 12-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Seterus ; it is an interest only loan ; We were contacted in XXXX XXXX that they changed the terms in XXXX XXXX without notify us. At that time I asked for the details on this and contesting the loan, which by the terms of the loan stop all late fees and additional interest at that time. I have, in writing both via letter and fax sent them the request for this and it took them until XXXX XXXX to get me the details, and then only after the Attorney General of MN office had been contacted and was working on this case. During this time Seterus called us weekly and we always took the calls and we always explained what needed to happen and that we are contesting the loan. Once we received the information it was identify they sent the information to the wrong address. We have continue to pay the old monthly payment and will do so until they correct their mistake. We have continue to ask them to remove all late fee 's and interest charged in XXXX because of their mistakes. Our mailing address did NOT change in XXXX or XXXX and this as a mistake do to Seterus record keeping errors NOT ours. We also have asked them to correct all the negative reporting to credit agencies and provide us with a report showing us that this has been done with a letter stating it was their fault incase an agency comes asking in the future. We have been contesting the lone until this point and due to terms of the loan they should have stop late fees and foreclose process. On several cases including the following I was told the case was being contested and ALL late fees would be on hold- Including-On XXXX XXXX XXXX said she was doing this ; XXXX XXXX said she was doing this on XXXX, also XXXX XXXX XXXX said she was. Please understand this has been more than XXXX faxes and Seterus HAS confirmed they have received them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have had 4 credit card inquires that I didn't make. National credit cards/Airlines. they are XX/XX/XXXX and XXXX, XXXX, XX/XX/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 08-05-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MS).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was transferred XX/XX/XXXX .I did not receive any written notice from the new mortgage serviced XX/XX/XXXX. After several calls in XXXX and early XXXX, I finally got an agent to give me my new account number. On XX/XX/XXXX, I witnessed a gentlemen opening my mailbox.I immediately asked him why was in my mailbox .The gentlemen refused to identify himself and stated " the bank '' sent him to see if the home was vacant and the property was in foreclosure. I informed him my home was not in foreclosure and to please leave my property, he refused to leave sitting in his car and I called the police to ask him to leave.The following day, I contacted the new servicer and spoke to XXXX agents, all of which stated they did not send this gentlemen to my home ( who refused to give his name or company he was representing ). On XX/XX/XXXX, I arrived home and there was a XXXX XXXX in my driveway with XXXX gentlemen, sitting inside.I parked in front of my home and called the police.The gentlemen when question by the police said they were from the mortagage company, again not identifying themselves.The following day, I called the servicer back and was told again, my loan was not in default or foreclosure.The agent on this call state he would send a letter to the company 's perservtion dept, also informing me I probably would not get a call back. On XX/XX/XXXX, I attempted to speak to someone that could explain to me what the stars of my loan and why were individuals coming to my home. XX/XX/XXXX, I was informed by an agent that a XXXX party inspector was sent to inspect my property XX/XX/XXXX and XX/XX/XXXX and the inspector sent out in XXXX stated my property to be vacant ( despite payments being made, well manicured lawn, and very apparent to be lived in. I finally started receiving monthly statements ( after XXXX request ) and saw additional charges on my statement.Again, after numerous calls for clarfication of these charges and still unanswered questions. XX/XX/XXXX, I mail a letter via usps for answers. I received a response from the servicer a little after 30 days stating my loan was and never be in default or foreclosure with them. XX/XX/XXXX, I found out my electric bill account was " finaled out '', I cleared that situation up. On XX/XX/XXXX my gas was cut off and my account " finaled out '', I was informed by a gas representative that someone from my mortagage company attempted to get the gas in the mortagage company name. On XX/XX/XXXX, I received a letter from my homeowner insurance company stating, my homeowner policy would not be renewed in XX/XX/XXXX because my home has been documented as vacant. Again when I call the servicer to find out what is going on, I 'm being told they did not make any of these calls to the utility companies or my insurance company. 


XXXX

Company response to consumer: Closed with explanation