milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2017 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (NY).
Issue: Taking out the loan or lease

Complaint: In XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX and obtained financing through United Auto Credit. After countless repairs and mechanical issues with the truck, I attempted to trade it in. At that point I was informed that the vehicle was only worth a few thousand dollars due to being deemed a total loss. 
Not only was the truck salvaged, but it included airbag deployment. 
I contacted United Auto Credit in XX/XX/XXXX regarding this issue and confirmed they they do not finance salvaged vehicles. After a lengthy conversation with XXXX of the superviosrs I forwarded them the supporting documents. The contract was entered into under terms that are fraudulent. Which voids the contract entirely. I put down XXXX on a vehicle that was sold to me for XXXX. I 've also invested a year worth of payments into something with no equity at this point. I 've continued to contact them regarding the lien release that needs to be sent so that I can move out of this vehicle but have gotten no where. I was advised that the account is with the Fraud dept, with no results. I also spoke with dealer compliance who was supposed to contact me and has n't. I do n't want this to impact my credit and I do n't feel like I should continue making payments on a cpontract that has been voided out.

Company response to consumer: Closed
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is not allowing consumers to access their own credit report. They are keeping it locked up unless you pay money, you can not even dispute, contact and agent, or anything. They do not respond.

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 06/26/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgage company was Countrywide Home loans. I was n't able to make my full mortgage payment XXXX XXXX nor XXXX XXXX. I only paid escrow and interest for both of these payments. I was put on a modification for 2 years just for the amount of {$400.00} dollars. I thought I should have been able to make the {$400.00} difference in the XX/XX/XXXX and XX/XX/XXXX payments. However I lost my job XX/XX/XXXX with Countrywide Home Loans. I was put on a Forbearance repayment plan in XXXX XXXX for 2 years paying {$1200.00} per month and it was scheduled to be completed XXXX XXXX ; However XX/XX/XXXX the collections department of Bank of America starts calling me and stating that my mortgage loan was in arrears 20 months!!! I could n't believe what they were saying! Then they took their time to process another loan modification in XXXX of XXXX in this modification they decided to rob me of my mortgage payments and put my loan BACK to 30 years and take it from $ XXXX to $ XXXX and I have been living in the home since XXXX XXXX, XXXX. I have always had the money to make the house payments. From this loan modification that began in XXXX of XXXX it ran until XXXX XXXX! Then due to my sister passing away XX/XX/XXXX and I did not make the mortgage payment of XX/XX/XXXX they began another foreclosure on my loan and then they began another loan modification XX/XX/XXXX and I was paying perfectly on time and then all of sudden Bank of America decided to NOT let me make mortgage payments in XXXX because they said that my " paperwork '' had not been turned in on time!!! When I had been making payments since XXXX XXXX!! I made the payment for XX/XX/XXXX and returned it back to me! Then they put me back in foreclosure and just now XX/XX/XXXX they have started another loan modification!! The bottom line is that due to the negligent loan processing that has been done on mortgage loan it has caused 9 years of foreclosure showing on my mortgage credit reporting and I have never moved out of the home I have always waited on Bank of America to do what is right and due to their predator manner of processing my loan it has wrecked my credit and my peace of mind! I was a first hand witness on how Countrywide Home loans processed loans against homeowners and now I see that my loan is being processed in negligent manner! All I want is to keep my home and have Bank of America put my loan at 14 years and remove my foreclosure status off of my credit history. I need your help please to resolve this 9 years of on-going bad experience with Bank of America.

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 07/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made numerous disputes to Experian about incorrect information on my credit report which has not been completely investigated. Or removed. 
Both XXXX and XXXX both processed the same complaints and removed the obviously incorrect information on my credit reports. 

Incorrect information still on the Experian Credit Report:1. XXXX XXXX account XXXX ... .listed is not my account. It was my husbands account he used for business and was written off when he filled for Bankruptcy for himself. 
I have requested where Experian confirmed this information and did not receive any responses. I believe that just have not taken any action other than sending back a Credit Report with no changes. 
This account is also listed as an individual account. Which it was my husbands. 
If I was on this as a joint account XXXX XXXX would have not written off the account since I did not file bankruptcy with my husband. 

2. Report listsSocial Security number variations : XXXX This is not my social security number. It is my husbands and should not be listed on my Credit Report. 

3. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a single family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
XXXX XXXX XXXX # XXXX, CO XXXX identification number : XXXXType of Residence : Single family4. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a multi family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXAddress identification number : XXXXType of Residence : Multifamily5. Experian Dispute processing is deliberately difficult. 
The Address and the Social Security number disputes were refused in an online submittal. I was told i could submit online documentation and that was also blocked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Bank of America told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Bank of America. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the " due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is " MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean " mortgage problem '' by picking the XXXX option below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with Bank of America since XXXX and Credit card since XXXX. And I have an excellent credit history. My checking account has a overdraft protection enabled via the credit card account. This month I wrote a check to pay property tax and it so happened that my checking account did not have enough funds. And my credit card was overdue and hence the overdraft did not kick in. I agree I forgot to make the minimum payment for once. But I was never notified via their website on my accounts page that my overdraft protection will not kick in since my payment is overdue. It still shows it is linked but just that it is not of any use. They carelessly rejected my check, without notifying me in anyway about the overdraft status, in spite of all the history of transactions I had with them for over a decade and offered no help to correct the situation. Had they indicated the fact that overdraft protection is not going to help me, I could have acted differently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX is continuing to sue people in new jersey. 
XXXX Plaintiff : MIDLAND Funding LLC / XXXX XXXX XXXX Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like midland funding llc is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and Court deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 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: My name is XXXX XXXX and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA XXXX is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but XXXX refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business XXXX and transUnion did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My son received XXXX twice with XXXX. The representative told me that it would be {$75.00} but the amount they are attempting to collect is much more.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I received us mail from Transunion Over the weekend claiming that they had verified the late payments for XXXX and the account was reporting correctly, Transunion did not verify anything. On XXXX 2014 Transunion is reporting a 30 day late Here is a copy of my bank statement indicating that I made a {$100.00} payment to XXXX Transunion enough with your XXXX and games remove these late payments IMMEDIATLEY

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 11-05-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Where as Scottrade in XXXX XXXX, NV did close my checking account without my being notified in any manner or form as to policy changes. This account is a typical brokerage account where funds are deposited and or swept into by sale of securities. On XX/XX/2013, I deposited a check from my Scottrade account into my local Bank checking account for personal reasons. These accounts are in good standing with more than adequate available funds. As a long term customer with both institutions, I am presently without reason being falsely accused and charged for this check and the incurred fees. I resent the rude manner in which I am being treated by Scottrade and demand the resolution of this issue.

Company response to consumer: Closed
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After I filled out the questionaire, Equifax denied me access to my free credit report, asking me to mail in my request with personal information. I answered those questions truthfully, and I was denied access. If someone has been fraudulently using my identity, I should n't have to put myself even more at risk by sending a letter with my SSN via the mail. That 's completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Closing on a mortgage

Complaint: Last fall my husband and I paid off our mortgage in XXXX XXXX XXXX with Nationstar Mortgage. <P/>-We never have received a release of loan. -No recording was done with our county that our loan has been paid. -We were told and was sent a document that our taxes was paid off. The taxes were never paid last XXXX. We paid our taxes with extra fees last XXXX. -Escrow statement sent to us shows money missing the bank can not tell us were it went. <P/>Our main concern is that we have them to send the county a release of mortgage to show our home is paid off. <P/>Any help will be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my information to be stolen, failed to give timely notification, and worst of all are wanting me to sign up for credit monitoring owned by them with a credit card so they can start charging me on year two if I forget to notify them properly. They al so are not notifying people of XXXX and birth dates are stolen only credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (Gift card) with U.S. BANCORP (GA).
Issue: Unexpected or other fees

Complaint: I purchased a {$100.00} XXXX XXXX gift card in XXXX of XXXX. I put the card away and went to use it in XXXX of this year. The card is still brand new in the package and the associate at the register opened the card. This is when I found out the card had been used in XXXX of this year by someone with the last name XXXX out in California. I called XXXX XXXX and told them about this and they informed me to send in a fax to dispute this transaction. I faxed them on XXXX XXXX which showed the card in my possession. I faxed them again on XXXX XXXX from my job. I faxed them again on XXXX XXXX. I called them on today to find out what is going on with the resolution and was told that it was denied because it was outside of the time frame. I got really upset and disgusted when she told me to send in a letter of reconsideration because this happens all the time when someone buys a gift card or is given a gift card and go to use it and find out that it is empty. When she said it happens all the time is when I said to her why should send in a letter of reconsideration if you know this happens all the time. They know that I am in Georgia and that the transaction was done by someone without my name in California. I do n't know what to do at this point. It 's like I have just lost {$100.00} of my hard earned money.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have wrote Experian,  XXXX , and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.   XXXX   said they will removed but still fail to do so. Experian and  XXXX  said they verified but the court said they did n't verified threw them. This item is not mines

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 01-08-2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a customer for XXXX. I had one open line for service. Every time the bill is mailed they always went up on my bill never told me just keep adding other charges that i never set up with them. the debt collectors would harass me every time calling by different numbers and being rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with Capio Partners, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Capio Collections bought an old medical debt of mine. Instead of updating the Credit Burearu with the new information on the same account, they created a new account number with the same debt. I was n't even aware the account had been sold until I contacted the original debt holder, and they told me. I called to make arrangements with them XX/XX/XXXX, and after I called they proceeded to report the account as new debt a week later. I believe the limits to the amount of time an account can report are in place to protect consumers from lasting financial damage due to hardships. I have worked extremely hard to get my credit corrected, and pay off all the old medical collections I could. I believe this account has aged enough to come off of the report, and then the orignal debtor changes the amount, sells the account, and puts it back on as new debt. My husband and I are trying to purchase a home, and this is a huge barrier for us. I believe these type of practices by debt collectors should be considered unlawful. I would like for Capio to either update the original entry, or if by law it has already come off the report, then remove the new entry. This company should not be able to re-penalize me for 7 year old debt. The account number is XXXX. I would be happy to work something out with them if they would report this accurately to my credit report. This is the second incident this year I 've had with a debt collection agency using tactics such as these.

Company response to consumer: Closed with non-monetary relief