milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: i have been a customer and investor at the XXXX branch XXXX, XXXX M & T bank since they opened years ago. 
when withdrawing {$6000.00} from my checking account XX/XX/2016 i had an unpleasant experience with XXXX. he was arrogant and condescending, and evidently does n't care if i bank here or not. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our home at XXXX XXXX XXXX, XXXX XXXX, CA was foreclosed on while in a modification with BSI Financial Services. 

* Our home was foreclose on XXXX 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 02/29/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Other fee

Complaint: I have XXXX credit card accounts. Approx. 8 months ago is first attempted to set up automatic payments for the 28 day of each month and was repeatedly advised the automatic payments had been scheduled for all future months. After many instances on non-payment, I went to the local branch on XXXX/XXXX/2016 and faxed the appropriate form, as instructed when I called to complain, once again. I waited to make sure the fax was sent from the branch to the appropriate department and was, once again, assured I had no need to worry about my future account billings. Yesterday, once gain, Chase did not pay the XXXX cards from my checking account automatically. When I received nonpayment notification, this morning, I called and immediately made the payments for all XXXX of my accounts. Once again, they charged me {$37.00} late payment fees on XXXX of the accounts. I 'm entitled a refund of the erroneously charged late fees. And, Chase should be penalized by CFPB, for their inappropriate billing policies!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was online ( AnnualcreditReport.com ) requesting my credit report from all three reporting agencies. I got a message from Experian indicating that I had already received my report - see below. This request today is the first request I have made in over three years. I attempted to contact Experian ( XXXX ) and was routed to a automated system wit no option for speaking with a person. I was able to find another number ( XXXX ) - this is for subscription support. Here I was told the number ( XXXX ... ) was the only way to get in touch with Experian Credit Bureau and I was welcomed to request/access my credit report at freecreditreport.com . 
What I am having a very hard time with is the fact that this company is a " public '' company that sells credit support services and is also supposed to also provide a mandated service to the general public. They are not meeting this mandate! Providing a number that does not facilitate any option for problem resolution is derelict and should be addressed. They can not serve two masters. This is the same agency who dropped my fraud alert statement and refused to update it after I had my identity stolen. I am very concerned that their system is indicating that I have received a report which is not true and I have no way to find out additional information or speak with anyone concerning the matter. However, if I had an account I would have been assisted immediately. What exactly are my consumer rights when it comes to getting the support necessary from theses agencies? 
If my experiences are any indication of how they comply with the mandate they are given then, consumers need protection from Experian! 
Here is the message I received : Annual credit report can not be accessed**Attention! 
Our records indicate that you have already received your free annual credit report from Experian. Would you like to request your free credit report from freecreditreport.com*? *****The XXXX.com report will be in a different format than the XXXX Report, but will contain the same type of credit information and inquiries that a lender or creditor will see when they check your credit. 
You may also purchase a full credit file disclosure on our site for a fee of up to XXXX, which displays all inquiries for your credit report, including inquiries which are not disclosed to creditors. 
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 non-monetary relief
Consumer complaint received 02/16/2017 about Debt collection (I do not know) with FMS Inc. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Got text from stepdaughter XXXX shared info with her i dont know how they got her number i never filed or used her name for amything my old name XXXX I call number they act strange

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went 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 non-monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed Chapter XXXX XX/XX/XXXX and was granted a discharge XX/XX/XXXX. Part of the Chapter XXXX was a piece of real estate ( rental home ). The bank ( XXXX ) filed for an ORDER GRANTING RELIEF FROM AUTOMATIC STAY and proceeded with a foreclosure on the property. As I understand it, the foreclosure is simply a mechanism of regaining title for the bank. XXXX reported to the credit agencies that this property was a foreclosure as opposed to a Chapter XXXX discharge. I disputed this with the credit agencies and they did not fix the error. XXXX Bank said that they foreclosed on the property so they can report it as such. Now my credit report shows a foreclosure as well as a XXXX XXXX for the other discharged accounts. I would like the foreclosure to to be corrected to a Chapter XXXX discharge since this property was included in the bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Consumer Loan (Vehicle loan) with Skopos Financial, LLC (GA).
Issue: Managing the loan or lease

Complaint: I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The debt collector is attempting to collect a debt thats already expired under Pennsylvania Statute of Limitations therefore in violation of the Fair Debt Collection Practices Act. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). The debt collector was advised but yet still continue to violate state and federal collection laws therefore should be fined to the full extent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I LEGALLY resumed my maiden last name on XX/XX/2014, since then I notified all my creditors to change my last name from XXXX to XXXX, I have the deed ' for my house changed, my vehicles, US passport, ALL documents and creditors have been changed including XXXX and XXXX. Well the issue is against Trans Union, they have told me over and over that they can not change my primary last name to XXXX because they claimed that my creditors are reporting me under the old last name. I have confronted ALL my creditors 3 times, and none of them are reporting me with the old last name. 
All I want is for Trans Union to report my legal name correctly, it is impossible to deal with them ... .How come XXXX and XXXX do not have the same issue? 
I find it illegal that Trans Union will not speak to me unless I give them my old last name. 
I need this rectify asap.

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 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I signed up for XXXX Costco card. Around XXXX XXXX, 2016 I received a bill from Citi informing me I was late on a payment. I never signed any customer agreement with Citi, and now they are charging me late fees for a renewal charge I never authorized.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have XXXX fraudulent and unauthorized hard inquiries that 's listed on my Experian and XXXX credit report and do n't belong to me. The following hard inquiries are fraudulent and unauthorized, and do n't belong to me : XXXX XXXX XXXX, XXXX  XX/XX/17, XXXX XXXX, XX/XX/2017, I have never applied for a credit card account with XXXX XXXX or 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 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Group, Inc. (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: medical bills of more than $ XXXX @ XXXX % ; my mail was not forwarded from an old address ; abusive call on XX/XX/XXXX from XXXX at XXXX XXXX, WA XXXX Very rude and threatening. 
I 've paid off all the debt, and need some form of written record of that. I requested this several times in XX/XX/XXXX, with no result. I have my CC receipts, but called them to request a record on XX/XX/XXXX " We ca n't do that '' After XXXX min. on the phone, they said it was going in the mail the next day, I have yet to receive anything.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by  XXXX   XXXX . I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized 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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have written, and called Equifax about updating, and accurately reporting.Information pertaining to various accounts on credit report. 
1 ) As an authorized user on my husband s XXXX XXXX XXXX  XXXX card.That account is listed on my credit report. Equifax has the payment status as " Not more than two payments past due '' .That is inaccurate.I personally paid on XX/XX/XXXX. For the months of XX/XX/XXXX, and XX/XX/XXXX. 

A. ) Equifax has the credit utilization for this same account as 76 %. That also is inaccurate. 

B. ) Equifax for this same account has a high balance of {$260.00}, that also is inaccurate. 

2. ) XXXX/XXXX A. ) Equifax has my balance as $ XXXX.That is inaccurate. 

B. ) Equifax has my credit utilization at 57 % that also inaccurate. 

C. ) I contacted XXXX regarding my credit report through Equifax. Is not reflecting my payments, my score hasnt gone up Since XX/XX/XXXX.XXXX informed me that they submitted/updated to Equifax XX/XX/XXXX . I contacted Equifax, and was given no information.But wanted me to pay for my score. I informed the representative.Im not asking for my score. I have MyFico for that. Asking did XXXX in fact submit updated information regarding my account.Was told they couldnt tell me that information. 

3. ) XXXX XXXX A. ) Still showing balance as $ XX/XX/XXXX.That is inaccurate. 
B. ) On my 2-Year Payment History that do n't have a payment for XX/XX/XXXX or XX/XX/XXXX.In which payment was made on time for both months.Equifax reported my account was late right away for XX/XX/XXXX, and XX/XX/XXXX. But, they have yet to update XX/XX/XXXX, and XX/XX/XXXX ontime payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I 'm writing because I fell victim to a scam and my bank, CHASE bank, did nothing to protect me. I 've been a loyal customer for decades, no criminal record, and great credit ratings. I 'm a mother of XXXX and have realized that I need to get back into the work force to help my family. I began a job search ( online ) and received a job offer from XXXX. This job offer was not legit and ended up scamming me where I lost all my funds. My complaint is that Chase bank and their employees did nothing to stop it from happening. They heard my story on why I pulled out money and am now requesting a money order. They reviewed the account my " boss '' provided me and said it was okay to proceed. They, in the big picture, helped me hand my money over to the criminals. And after the fact, once I realized I was scammed, they did nothing to help make me whole again. They further ridiculed me and blamed me for falling victim. They have left my account in a negative standing without advising that I need to freeze it to further any additional fees from accruing. They then restricted my spouses personal and business accounts and advised they can not tell him why, it 's their policy. THIS IS NOT RIGHT! Not only has Chase tried to make me, the victim, look like the criminal but NOW they 've taken away my families livelihood. They made the mistake by not stopping the purchase of the money order. They made the mistake by not assisting their long time, good standing, customer with stopping the check from getting into the criminals hands. They made the mistake by not doing anything to help their customer get out of a horrible situation ; they 've actually made it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 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 have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  2 judgeme nts which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX ,  transunion, and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!

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 02-07-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of this account and it does not belong to me. This is a fraudulent report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have  two student loans with Navient, one was charged off, the other one  remains in good standing. My loans have been deferred while i 'm in school, I have never been out of school. This information can be verified via student clearinghouse. I recently discovered upon checking my credit report, that Navient charged off  one  of my loans, and is now having a collections agency collect funds on the loan. Prior to the loan being charged off, I never received any correspondence via telephone or mail. Navient did not make an attempt to contact me at all regarding my student loan. Upon discovering that my loan was charged off, I immediately contacted navient via telephone. I was informed that my loan had been charged off because I stopped attending school. This information was incorrect, as still to this date, i have never stopped attending school. If this were correct, then why had n't my other student loan with them also been charged off? The other loan still displays a " deferred '' status. I explained to Navient that I was never contacted regarding my loan, and to please provide me with when they attempted to contact me before placing my loan in a charge-off status. I was not given the information, and was told that I needed to speak with the collections agency, as nothing else could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (GA).
Issue: Problems when you are unable to pay

Complaint: SIERRA AUTO FINANCE ... XXXX REPORTING ID FRAUD ACCOUNT, NOT MY ACCOUNT NEVER DONE BUSINESS WITH COMPANY AND NEVER HAD AUTO LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: found a debt for account XXXX on my credit report. I have never had an account with XXXX XXXX XXXX who they claim to represent. It could potentially be a family member with the same name, but it is not mine. I use XXXX for cell service, not XXXX XXXX XXXX.

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 explanation
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am being billed by Nelnet and XXXX as well.I just had a ChapterXXXX discharged in XX/XX/2017. I think I am being double billed?

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca has erroneously begun evaluating my mortgage for PMI cancellation, which I did not request. 

This is a problem because it leaves me exposed to subsequent illegal fees ranging anywhere from {$12.00} to {$1200.00} for BPO, appraisals, inspections, etc. according to the fee schedule on my mortgage statement ( Exhibit A, Page XXXX ). 

On XXXX/XXXX/2016 I sent a " secured message '' via Seneca 's website ( Exhibit B ) requesting that they re-analyze my escrow ( and lower my payment ) since their latest escrow analysis failed to take into account that PMI will terminate automatically in XXXX since my loan will have reached 78 %. Please see the attached screenshot of my account from Seneca 's website to verify the date of automatic termination ( Exhibit C ). 

On XXXX/XXXX/2016 Seneca posted a " Letter '' to my online account on their website informing me of the erroneous evaluation ( Exhibit D ). 

It is worth reminding that PMI cancellation and termination are not the same thing and that PMI termination happens automatically, without fees, and without any sort of evaluation, which is precisely why I opted to not request PMI cancellation and instead let it terminate automatically XX/XX/XXXX.

Company response to consumer: Closed with explanation