milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is  verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: my credit has been combined with my cousins who has the same name as me for some time now. I found out about this when I tried to refinance my home. at this time my credit was not locked and we were able to get thing resolved. I went to purchase a vehicle two months ago and the finance department says my credit is now locked. So now not only is my credit combined with my cousins but it is locked as well. I tried many times and wasted many hours on the phone with transunion. I even went as far as contacting a lawyer, he suggested sending a certified letter to transunion which I did more then 30 days ago I still have not heard anything. Anything you could do to help me would be greatly appreciated. Its frustrating right now because I can not apply for any type of credit at all.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: Upon transfer the servicing of the loan from XXXX to Mr. Cooper, our escrow account is not correct and is now showing a shortage. We received notification from Mr.Cooper that we are now short funds in escrow. We contacted Mr. Cooper and Spoke with XXXX in the XXXX, Texas. She stated that she would contact us back, but after several attempts this is still a stagnant issue with them. XXXX saw what we saw, a blatant accounting issue, yet this company still wants to add more to our monthly payment for this '' shortage ''. While with XXXX, we never had a shortage with them. I am providing the following documentation : 1. XXXX statement of XX/XX/XXXX showing our escrow account activity 2. Public records of our taxes that show only one tax increase on the school taxes of {$120.00} for the year. 
3. Mr Cooper notification dated XX/XX/XXXX Showing we are SHORT {$2200.00} 4. Loan statement showing they want XXXX more each month a total of {$1400.00} more a year. 
5. Statement from XXXX XXXX XXXX showing the Declaration page showing the yearly premium of XXXX We are looking for an accounting statement and the return of the payment to where it should be. XX/XX/XXXX payment is coming due and we want this issue resolve asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Experian blocked my credit information following a letter received from the FTC indicating my address where I live was fraudulent. This was not correct and now I want a copy of the letter. Was forced through escalations at Experian for over 1 hour yesterday to get the address added back by validating drivers license, bank statement and scathing letter demanding fix action.

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 01-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Deposits and withdrawals

Complaint: I am writing to the CFPB with the hope something could be done to persuade Bank of America to consider our claim of fraud and reimburse us the money that was stolen from us. XXXX fraudulent checks were written on a Bank of America checking account that my twin sister and I share jointly. We are the only ones that have access to this account and share XXXX checkbook. This account had an average of XXXX checks written on it per month totaling to an amount of a XXXX dollars. For XXXX consecutive days in XXXX 2015, XXXX separate fraudulent checks withdrew large amounts of money out of this checking account totaling {$6600.00}! We were never alerted to this activity and it was not noticed until XXXX XXXX, 2015 when I was reviewing our transactions. I immediately contacted the Fraud Dept for Bank of America and was reassured that once fraud was proven we would be reimbursed what was taken. Apparently, that was not true as our claim was denied because the fraud was not brought to the bank 's attention within 60 days of the incident. The bank does not claim any responsibility for noticing this unusual and criminal behavior. We were told that it was entirely the customer 's responsibility to be diligently aware of what was happening with their account. And usually I was very diligent in that regard. I would look over our transactions on a monthly basis for budget purposes. The 60 days following the fraud were the busiest 60 days of our lives. We were making a major life change at that time. We sold a house, we bought a house, we moved to a new city, we were working at a new job, and we were also taking care of our elderly mother. My usual practice of reviewing our bank account was delayed. The Fraud Dept ask me to write a letter explaining our circumstances and maybe an exception will be given to us. I have initiated XXXX requests for the agent to contact me, but have yet to hear from him. Bank of America advertises to its customers that they are on the look out for suspicious activity that may be fraudulent and that we need to keep contact information updated in order for them to let us know. Why are then we held responsible? We are devastated by this financial loss and the complete lack of support from our bank. Please help us if you can. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: 2007 chex systems unknown amount saying that they were police officers coming to arrest me if I did n't pay for insufficient funds check

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 12/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient has consistently lost documents, misappropriated payments and given me poor information to help handle my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Credit card) with U.S. BANCORP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. 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 04/30/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Settlement process and costs

Complaint: Respa has been looked at for my relocation expenses. I was told I would receive {$3000.00}. 
Money has not been received, and I do not want to wait any longer for this money.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with DISCOVER BANK (VA).
Issue: Billing disputes

Complaint: I sent a check for {$1300.00} to pay off the balance on my discovercard. AFTER I verified that it was paid in full XXXX days after the check was cashed, I notified my bill pay service ( XXXX ) to pay the entire balance monthly in the future. For reasons I do not understand another check was sent for the same amount. This is what the bill payment company was advised was the balance. I called discovercard and was told that it would be XXXX weeks before they could return the minus balance to me. I am a widow on a fixed income and that would be hard for me, which I explained. The rep said she would send a request for a review for a lower interest rate which I did Not ask for. I suggested that I get a cash advance and deposit it in my checking account. She said that was a good idea but they would charge XXXX % ( about {$70.00} ) to retrieve my own money, I was not asking for a credit advance from them. I felt that I had no choice but to do this. I have had an account with them since XX/XX/1987. If I was asking for an advance of their money I would gladly pay.. but this was a minus balance that they never should have taken from my checking account. Then I received a rude letter declining to lower my interest rate for bogus reasons, ( remember I did not ask for this ) and they had made an inquiry without my permission which I think effects my credit. My communications have been curt as though I never should have expected a timely refund of my own funds. I am closing my account with them, they do not care. I have a {$10000.00}. limit with them which indicates they thought I was credit worthy. I expect nothing but wish to " tell someone '' and you are it! XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2015 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (AL).
Issue: Problems when you are unable to pay

Complaint: I got behind on my bills and I could not pay my loan ... .And the local local company calls me everyday harrasing me I have told them over XXXX times to quit calling ... every time I get my cellphone number changed they get it without me giving it to them after the harassment ... I 've had my cell phone number changed XXXX times because of the same person ... I honestly truthfully feel after verbally fighting with them between XXXX and XXXX times and paying to have my number changed XXXX times I am being stalked and harassed ... I am XXXX and should not have to be treated like this.The name of the Company is Coventon Credit In XXXX AlabamaAlabama There phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had  XXXX  credit cards wit h NavyFederal Credit Union that discharged ba ck in  2016  because I was not able to pay them. I recently started using my Savings Account at  NavyFederal Credit Union and to my surprise, I log into my NavyFederal Credit Union Savings Account this morning and they have arbitrarily taken my money from my savings account and applied it to the discharged c redit cards. How can they take my money and apply to an old debt that has been written off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against Transunion for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address XXXX, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX and XX/XX/XXXX I contacted Chase Bank regarding 3 credit card accounts that were coming due. I advised them that my checking account information had been compromised and that I am working on recovering missing funds with my financial institution. I advised Chase Bank that because of this I would be unable to make my current payment that was due on 1 credit card the last week of XX/XX/XXXXand the other 2 that were due the first week of XX/XX/XXXX. They advised this would not be a problem and that they would make a notation on the account. I asked if I could pay a double payment the following months bill or if they would like the payment when my checking account was corrected. They advised a double payment the following month would suffice and they would wave any late fees since I called and explained the situation. I recently ran my credit report and to my surprise I have a late payment notification for all 3 that is hurting my ability to obtain a loan. If they would have told me that they were going to make a negative remark on my credit report instead of acting caring and understanding I would have asked a family member to pay this for me. I have contacted Chase Bank and explained everything that happened in XX/XX/XXXX and XX/XX/XXXX and they stated there was a notation that I had called but they would not remove the negative report as the notation was incomplete. I feel they acting unreasonably to my request as I have been a good payer to Chase Bank for a long time. With the proper explanation of what would have happened I would not have opted for the double payment the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015 someone fraudulently opened a credit card account with Capital One in my name. The good news is that Capital One realized it was fraudulent and called me to confirm that I had not submitted the application before they sent out the cards, and they immediately closed the account. The bad news is they still have not removed the credit inquiries from my credit reports. The hard pull shows on both my XXXX and XXXX credit reports, and negatively impacts my credit score. Every time I call Capital One ( 4 times so far ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they tell me " it 's in the process of being removed. '' It 's ridiculous that it has taking over 9 months to remove the inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: Chase Bank has been unwilling to provide any form of assistance in recovering or refunding the money I lost as the result of a scam. I wrote a check to an XXXX-based tour company in the amount of {$3600.00} in exchange for their tour and guide services. 2-days prior to the trip, the company cancelled the trip citing XXXX in the area. No other travel companies that we contacted cancelled their trips and there were no reports of any XXXX online. The tour company has kept my money and is unwilling to offer any form of refund. The others in my group were able to recover their funds from their banks and credit card companies, but Chase told me they would not provide any options other than " contact the police '' and " try to get your money back from the company yourself. ''

Company response to consumer: Closed with explanation