milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX Equifax, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX Equifax and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (DE).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Very aggressive company ( American Express in association with XXXX XXXX ), I am working with a debt relief program through a lawyer and have been advised to have no more contact with debt collectors because they are acting as my power of attorney. After multiple calls to my place of employment ( every day for AT LEAST 2 weeks between XX/XX/XXXX toXX/XX/XXXX ), they have been sternly told by myself and coworkers that they are NOT allowed to call the restaurant any longer. They would call during lunch hour as well. The calls continued. The most recent started with them saying, " XXXX XXXX we know you asked us not to call your work but, ... '', they were again, advised to NEVER call again and that my lawyer would be in contact in regards to the debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX I sent a letter Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for validation XXXX debt and XXXX authorization. 

I requested that XXXX XXXX XXXX provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

XXXX XXXX XXXX have not complied with this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (Conventional fixed mortgage) with ACADEMY MORTGAGE CORPORATION (CO).
Issue: Settlement process and costs

Complaint: This is just an inquiry about mortgage insurance. I had a financial gift from a friend to purchase a house and in the interest of keeping my monthly payment low, my most important criteria, I opted to pay the mortgage ins up front, lump sum, so it would n't be added to my monthly bill. I was XXXX and it was my first home purchase, in 2014. I did this solo with no outside assistance, and though my intellect is good, financials make my eyes cross. Aside from that, everything is done so quickly, it 's hard to grasp what is actually happening. I opted to buy it up front, in the amount of {$4000.00}, thinking this would cover me for a few years until my record was established, and though they did ask me more than once if I was sure I wanted to do this, I do n't know if consequences of this decision were relayed to me. I do know nobody said this was not a wise decision, that I would likely end up losing more than I was getting. When my mortgage was sold after about a year, that money vanished. I 'm sure my mortgage insurance payments would not have been $ XXXX for 12-18 months, and mortgage ins never came up with the next mortgage company. When I refinanced with a different company, I was told that money was gone. I 'm just wondering if there 's any possibility of recouping a portion of these funds. If not, I have to accept that, but it seemed, at least in hindsight, that this was an area in which I was taken advantage of, being a novice in this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>, my debit card number was stolen by someone who used it at a XXXX XXXX 2 hours away from my house. I did not authorize this use, nor did I ever lose the card. This fraudulent charge was for approximately {$1200.00}. I immediately called Simple and blocked my card and reported this as fraud. 

Simple granted me a provisional credit onXX/XX/XXXX and initiated an investigation, during which they asked if I had ever visited that XXXX XXXX store ( I had not ) and if I knew a person that they asked about ( I did not ). 

OnXX/XX/XXXXXX/XX/XXXX Simple declared that there had been no error on the account and that they were not going to honor my dispute for this fraudulent charge, and they would be removing this money from my account again onXX/XX/XXXX. I have not been able to speak to anyone in the disputes team to understand why this team found me at fault. 

I have filed a police report and will be sending this report to the Simple team today.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with Synovus Bank (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as  XXXX   XXXX  regarding an opened account with  XXXX   XXXX  11 years ago. I proceeded to call the number stated on a letter from its representative (   XXXX    ) received on  XXXX   XXXX    XXXX   regarding my CFPB complaint #  XXXX .  <P/> I now find that the same credit or may b e reporting the same account although with a different account number under another nam e (   XXXX  /SYNOVAS ) and  this can be seen on my   XXXX   credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my  XXXX   XXXX  credit under personal loan also a different loan type.  <P/> I called the phone number that is reported to be  XXXX /SYNOVAS  XXXX  and the number is not a working number but they do have the same address as  XXXX  which is :  XXXX   XXXX   XXXX   XXXX   XXXX , MO  XXXX  who does have a working number  XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed (  XXXX  ) t imes using (  XXXX   )  different companies names but you a re one of t he same company. On top of that the original account with the  XXXX   XXXX  was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XXXX   XXXX   XXXX .  <P/> Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit determination

Complaint: Synchrony bank has been cancelling my cards and/or lowering my available credit based on ( they say ) some score from XXXX. The ONLY negative impact to my score is what they are causing and then they use the negative impact to do it again! I have contacted them and the only answer I can get is they " use a score provided by XXXX '' I have been working very hard to get my score back up after a bankruptcy and it was working until they started doing this practice. My payments are on time and I have lowered my balances which should have a positive impact but the harder I try the more they defeat what In have accomplished. They even cancelled a card that had a XXXX balance! They have a monopoly on store cards so this is a VERY big problem for 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 05/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: A recent storm has severely damaged the roof of our home. We received a check from the insurance company which is XXXX XXXX. The check was made out to my wife, myself and the mortgage company which is Bank of America. The manager of the local branch of B of A told us the check had to be sent to B of A headquarters and they would issue a new check in our name. We needed this money to use as down payment to pay the Roofer to start work. All Roofers here require XXXX % down and balance on the day of completion. This is a one day job. Bank of America has been using every tactic, so as not to give us this money. The roof is seriously leaking and causing more and more damage to our home with every rain storm. My wife called and explained what is happening and pleaded with them to send the money so we can start repairs. They could care less. After 2 months of their nonsense we receive a check for only XXXX % of the total amount. The check was made out to us and the Roofer. We called them and were told that we did not receive the full amount because we were late on last months mortgage payment and this was punishment. When we asked when more money would be released, we were told when the job was finished and not until the Roofer filled out legal paperwork. Again we told them how much damage is occurring and we really need the money to fix it. He told us that 's not the banks problem. We called the Roofer and explained everything that happened. He politely told us that he would not do the work under these conditions, and can not wait for Bank of America to decide when to pay him. All this nonsense over {$5400.00} which is being paid by the insurance company, and not Bank of America. If this roof collapses or water gets into the electrical system and someone gets hurt I am sure things will be different. Someone needs to start protecting the public from the abuses of these banks and their illegal tactics.

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 03/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I began contacting my mortgage company to see if I could get a loan modification because my husband and I were going to be divorcing. I was told that they could not consider that unless my loan was in default. In that time mortgage company was shut down and turned over to another mortgage holder XXXX who could not help me because they were just getting the loan information entered in their system. I sought legal council because I was not getting anywhere and was told my loan was a XXXX and the courts had not determined how they would be handled. On XXXX XXXX, XXXX I went to mediation with XXXX the first default service assigned to my loan and was told to provide a list of documents for possible loan modification. I provided those and never heard anything. In XXXX the Supreme Court decided on the XXXX cases and I was served again. In the meantime the property was flooded in XXXX of XXXX causing approx. {$30000.00} damage and is still in jeopardy of recurring damages due to poor drainage. We went to mediation and the new servicer NationStar did not come with all their required documentation and the mediator sided in my favor. We went to mediation a third and fourth time always the same outcome the NationStar did not come with their required documents and sent representatives with no authority to negotiate. Now six years later I have been served with foreclosure documents and I do n't think NationStar even now have their required documents to proceed. NationStar even lied to XXXX XXXX at XXXX office they told XXXX they had never received anything from prior mediations. I sent copies of the e-mails to XXXX XXXX who has been trying to help but we are still at an in pass.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (NJ).
Issue: Problem with the payoff process at the end of the loan

Complaint: In XXXX I applied for a Payday loan with XXXX  in the amount of {$500.00} at a 390 % APR. At the time was unaware that in NJ paydays were not legal due to usury limitations. 
In XX/XX/XXXX I submitted a complaint with CFPB - complaint # XXXX since the loan had been sold to a third party debt collector who offered information that was inaccurate along with negative FCC reporting. 
XXXX did respond to the complaint, and stated they were undertaking to but back the loan, and once XXXX received ownership of the debt XXXX   would forgive the debt and settle account in full. 
However, I have received a document from WRA ( XXXX XXXX XXXX XXXX XXXX ) stating I owe {$500.00} from the original creditor being XXXX   with a balance of {$500.00}. Also, they have labeled this debt as an EDUCATION LOAN. This is not only misrepresenting the debt .. it is also an inaccurate amount. 
I would appreciate clarification in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 07-07-2015 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair.

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 08/31/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX XXXX XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Equifax several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I Sent a letter to Experian on XXXX XXXX, XXXX, regarding a timeshare I purchased at the XXXX XXXX XXXX XXXX several years ago, along with a copy of a signed and notarized deed, filed and recorded in XXXX XXXX, XXXX, Tx, where I sold it on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, Tx. XXXX. XXXX XXXX failed to record the deed until XXXX XXXX, XXXX. I contacted XXXX several times to advise them of this sale and have been receiving harassing calls since XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX for two years, 3-4 times every week, and also they have damaged my credit score by trying to charge me for the yearly maintenance fees on the timeshare I sold two years ago. There position has been I 'm still responsible for these fees since XXXX XXXX has not paid them, and XXXX XXXX has used the timeshare.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe Navient is over charging me on interest. I pay the required amount each month and by the following month my principle is almost the same as it was when i paid it the previous month because of all the interest accrueing!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX  I filed an complaint about ad astra about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sen t out 11 lett ers attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the trackin g on 5-12 thinking I should have received some type of information in the mail after 10 days. Turns o ut the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number ad astra has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I work for XXXX XXXX XXXX. I had a customer who came in and said they had paid a vendor with their XXXX XXXX XXXX checking account. The vendor took the check to his bank at Chase and they placed a 10 day hold on the funds. The XXXX XXXX XXXX customer came in to our branch trying to see if there was any way the check hold could be released. Explaining to our customer that once the check clears his account we would be able to contact Chase and let them know the hold can be released. The next day when speaking to the Manager of the local Chase branch in XXXX FL. When speaking to him I explained why I was calling and he said that he was told anything about this and that he would n't release the hold. He told me that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the only XXXX banks that do not provide information to him about their clients ( Which federally we can not ) and because of that if any customer comes into their bank to deposit a check from either of these banks he has his staff automatically place a 10 day hold on the funds, even when not warranted. I was appalled at this comment and felt the need to contact you. This branch, and possibly others are places unauthorized holds on account holders deposit accounts and denying them their funds.

Company response to consumer: Closed with explanation