milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with Machol & Johannes, LLC (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : Machol and Joannas LLLP XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( XXXX XXXX ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to Machol and Joannnas, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX email : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX must be removed from report. I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started text ing landlines. texts did not go thru on landlines. XXXX wireless charged me {$290.00} for texting to landlines which could not would not go thru.

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 03/23/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicer was maintaining a rolling late fee accumulation while payments were being made on time. This resulted in the accumulation of {$2700.00} in late fees. There are XXXX occurrences of late fee charges that ranged from {$0.00} to {$860.00}. This accumulation began on or about XXXX of XXXX. 
Mortgage servicer was negligent in maintaining a sufficient escrow account minimum and a monthly funding amount to prevent shortages. This resulted in numerous escrow advances to occur to cover shortages in paying property taxes and home owners insurance. In the process of repaying the escrow advances, the mortgage servicer misrepresented the distribution and allocation of regular monthly payments to repay these escrow advances thus resulting in classifying the mortgage payment as being short. This forced a suspension of remaining funds from the mortgage payment and a late fee to administered. There were XXXX different occurrences of escrow advance repayments processed totaling an amount of {$3500.00} from XXXX of XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 08-03-2017 about Debt collection (Private student loan debt) with Texas Guaranteed (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have tried to reach out to capital one several times. When I first learned there was claims and charges being filed on my account I immediately called Capital one. Except then they decided to close my accounts. My identity was stolen as was my debit card. I am not a risk to the bank and would like this re reviewed as I had no idea at the time of these claims. I only learned after the fact. Now I cant have a checking account at capital one even though it isnt my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had first contacted Ditech back in XXXX about fees that were on my mortgage statement a customer service rep said he would send papers explaining it was a new computer program and the papers he was mail out would explain. Got the paper work showing more fees than I saw prior. Called Ditech again then I was told it was corprate advances they were charging. I had explained to them that the loan mod they gave me was higher than my original mortgage that they rolled any and all fees into my loan mod. So then XXXX I try calling again to resolve this issue because seeing how some fees said late some said insurance I had asked to speak with a supervisor and was told I 'd get a call with in three days.Its now XXXX no call. So I give it a week and call again. Needless to say in over 90 days and 30+ calls I have got no where. I have tried to explain they need to read over my loan mod and they will see anything I owe them, back taxes, insurance and fees are In my mortgage payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Wells Fargo since XXXX to try to get a short sale approved. There have been at least XXXX occasions where the person that I have been working with for an extended period of time has gone out on leave and I have not been notified. No one bothered to check this persons messages or email and follow up with people that the person was working with prior to leaving. Additionally, my realtor has been reaching out to the negotiator at the mortgage company with questions about requested documents and no one has gotten back to to her. My buyer is still interested in moving forward, but does not want to hang around much longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Mid-America Accounts Control Bureau, Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have filed 2 complaints against this company they was never even reporting this debt to major credit bureaus until I recently filed 2 CFPB complaints this company is trying everything they can to hurt my credit and in retaliation of my recent complaints they report the XXXX XXXX XXXX then it was taken off my credit report and put back on in violation of the F.C.R.A this company is also being reported for investigation by the Missouri Attorney Generals office for retaliation against me i dispute this debt it's taken off my report then Mid America Accounts Control Bureau vindictive conduct against me is pure retaliation and needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Requested a Formal Debt Validation Request in XXXX 2016, XXXX 2016 and XXXX 2016 and have yet to receive this information from the company.

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 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In  XXXX  2017, Chase Financial unilaterally closed my Chase Freedom Credit line. They cited the account was being closed due to non-activity. I did not receive any advance notice. The card had no balance at the time. I contacted Chase representatives and they informed me that there was no way to reverse the impending closure of the account. This will affect my " available credit '' and my FICO score. I am beng penalized for being a responsible consumer and not using my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: To whom it may concern, I believe the company XXXX XXXX XXXX is a scam. Due to I purchased 2 samples online and I did not receive the samples till several later days after I ordered them only and I happened to check my bank account on XX/XX/XXXX and noticed that XXXX XXXX charged my account for {$100.00} dollars I immediately called my bank to gather XXXX XXXX information to contact them. I contacted XXXX XXXX XX/XX/XXXX I left a message XXXX XXXX never returned my call, I then called back XXXX and I spoke with a XXXX on XXXX she told me they do not give out full names just a first name and she offered to give me {$50.00} dollars of my money back she claimed I was supposed to cancel order for XXXX XXXX XXXX XXXX in 17 day which I was never informed of that. I never agreed to 17 days and never did I authorize XXXX XXXX to charge my account for {$100.00} dollars I repeatedly asked XXXX to speak with a Supervisor and she refused to allow me to speak to a supervisor she told me a supervisor XXXX would call me back on XX/XX/XXXX but a supervisor never returned my call. I never received any letter confirming they would charge my account for {$100.00}. I did receive a confirmation letter of the samples I purchased and a letter of them cancelling XXXX XXXX XXXX XXXX purchase order the purchase id XXXX. I never received a letter confirming a purchased order. I thought this was very deceiving and misleading business of XXXX XXXX.Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
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: XXXX of 2017 there was a fraudulent activity on my account through XXXX XXXX in New York. I live in Idaho. There was a hard inquiry at a XXXX store. I called XXXX and had it noted as fraud and they sent me a letter and i copied that letter and sent it to Equifax. I followed up by phone and was told it was handled. In XXXX it was still on my account so I called Equifax who said XXXX didn't send the change. I got them BOTH ob the phone ( Equifax wont talk to them to resolve the issue directly btw ) XXXX resent the info as per Equifax request. As of XXXX it still wasnt fixed. I got them both on the phone again. Equifax says they have now received the info but it will take XXXX days to reflect on the report. It is still over 30 days and no change. I am not going to wait 90 days just to find out its screwed up again and start over. I have been waiting on purchases to not have a higher interest rate for over 6 months. Equifax has lied and pass the buck on an error that it there fault 3 times now. This is a keyboard stroke on their end to restore my great credit. XXXX literally has no more steps they can take or additional info they can provide as I have never been a XXXX customer. Equifax needs to be reviewed as a company as It is only possible to speak to call centers and not decision makers or people who can update changes. Please help with this ASAP. I have had no help from Equifax. I feel like I am being help prisoner as a problem that was verified not me I am STILL being penalized for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit report with PII leaked due to breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The following names have been brought to my attention and have caused concerned and per the credit report are listed as followed : XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX identification number XXXX, and XXXX XXXX identification number XXXX. Please any other name other than " XXXX XXXX '' deems to be invalid and have not been identified by any other name. 

The report also includes social security number ending in XXXX, last four of this social and current social do not match and do not know where it arises from, or whether this social is being currently used under my name for someone else 's benefit. Please remove completely. 

The following phone number has been identifies as invalid and have no connection to me whatsoever, please remove : XXXX. 

I am honestly looking to repair my credit as drastically and as fast as possible. I acknowledge that some accounts that have been marked as written off but they have been paid in full. Hence, BANK OF AMERICA ACCT:XXXX has been paid in full and would like all negative remarks removed. XXXX XXXX was paid in full and would like that remark removed. XXXX ACCT:XXXX has been paid in full and would like all negative remarks removed.

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 01/25/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Citizens Bank accepted my deposit of {$150000.00} on XX/XX/XXXX. They claim they can not " verify '' the amount with XXXX XXXX XXXX. I asked them what they mean by " verify '' but they could not. I confimed with the title agency who has the XXXX relationship with XXXX XXXX and they they had over $ 5Million in funds available at XXXX. The name of the title agency was " XXXX XXXX XXXX '' of XXXX XXXX NJ.. They refuse to clear the check until XX/XX/XXXX. 

Citizens is clearly delaying the clearing of these funds to make money on the float. I suspect I 'm not the only customer getting screwed. 

Please call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have been trying in vain to get a refund back fro a wire transfer with BBVA Compass for several months to no avail. I have callled their Customer Service Numbers and Fraud Department several times, and every time say a month goes by with no response ... ..I contact them to see if there are any updates and the customer service agent has no idea who I am, can find the complaint/refund request or anything. Most of the time I am transferred to a customer service branch in another country who I can barely understand and vice versa. 

The wire was for {$38000.00} on XXXX XXXX, 2017 which is a HUGE amount for me and I have not been able to get this resolved in several months. It was not until yesterday that I just went to my local branch office in XXXX where the staff helped me out and filed a refund request on my behalf. The Branch manager ( XXXX XXXX ) kindly told me that the chances were not good to get a refund because of the time that had passed, but I have been trying to get the refund through writing the Corporate office and filing a complaint over the phone for several months. That was well within the time period for me to have gotten my refund by now. 

Please help me in this situation, this has caused tremendous stress to myself and my family and I just want it resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation