milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: XXXX ( Bank of America ), as trustee, settled a trust in XX/XX/2016, that included real estate. It held back {$10000.00} in cash from the asset distribution as " Real Estate Reserve '', to cover additional expenses pertaining to the real estate, such as transfer fees, real estate taxes, etc. We agreed to that when approving the structure of the initial distribution. 

The real estate now has been fully distributed, so XXXX no longer has any related liability as trustee. It did incur additional real estate taxes, and transfer costs for deed, recording, etc. However, it has not distributed the remaining funds held back as reserve. 

I have made four inquiries to the office that managed the distribution, and the last two have been ignored. This appears to be a case of XXXX holding on to our money without any legitimate reason to do so.

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 06-04-2015 about Debt collection (Medical) with Healthcare Financial Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm disputing this account because this bill was paid to the originator XXXX XXXX XXXX XXXX XXXX, this account was paid in full on XXXX XXXX, 2014 in the amount of {$130.00}. I have contacted Healthcare Financial Services LLc and XXXX XXXX XXXX XXXX XXXX, asking them to remove this collection from my credit report but they refuse. 
XXXX XXXX XXXX XXXX XXXX, says that they never received my payment therefore forwarded this account to collection. I know I made this payment but not sure what might have happen in-between leaving my home address and reaching XXXX XXXX XXXX XXXX XXXX. I have the canceled check to prove that I paid this account. My goals are to show excellent credit worthiness to all my lenders and to have no doubt. I 'm hoping that XXXX XXXX XXXX XXXX I, can see pass this and delete from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (CA).
Issue: Managing the loan or lease

Complaint: This lender has an address on their website where payments are to be sent. I 've sent in payments via certified mail and although the lender has received the payments, they will not post them to my account. Their " payment '' mail box is either unmonitored or they are deliberately holding payments in order to collect fees. I 've attempted to call the customer service number to discuss the matter, however regardless of the time or day, the recording always indicates that I have reached them after hours. I have additionally attempted to reach them via the email link on their website, which does not function. 

I sent my payment in and the lender received it. I believe that they have a responsibility to post payments the day they are received. At this point my payment is delinquent because of their failure to act appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX XXXX request that my current mortgage servicer applies their option to the Federal Housing Finance Agency for a serious reduction in principal against my home located at XXXX XXXX XXXX, XXXX, New York XXXX. I am attaching several correspondences that apply to the foreclosure crisis in America, and believe that my request for intervention by the FHFA is necessary to settle my foreclosure matter at this time. The FHFA is not only designated to help those with mortgages eventually sold to XXXX or XXXX XXXX, but also as a trustee to all mortgages connected to any designated home loan bank. XXXX happens to be one of those banks. I respectfully request intervention into my case as a matter of principal. I realize that the current Attorney General of my state is pushing for the FHFA to live up to its designated requirements. There are well over XXXX active foreclosures in New York State alone. In any event, I respectfully request the Consumer Financial Protection Bureau to prepare my file for potential federal agency intervention to mitigate damagers to the legal process that can go on for years. I believe that after every federal and state agency has the opportunity to place their input, including my Congressman in my jurisdiction, then there is a greater probability of a settled resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A credit card was issued to me by First Bankcard for XXXX an online retail chain. Just three days after receiving the card, it was closed by First Bankcard. The card was never allowed charges because the company called me and said it needed to check for fraud and go into my local bank and show all my ID 's documents. A red flag came up because that was not the agreement of the card being issued in the first place. The cards were cut up and returned to the company, but they have charged {$1400.00} to me and refuse to take the charges off, keep putting late fees on the account, and charging interest to unauthorized/undocumented charges, in my name ; despite my writing the president, XXXX XXXX XXXX, and all the Bank Directors/CEO 's about this problem. I am XXXX years old and I can not bear the pressure this company is putting me through. They never let me charge XXXX item, nor have they paid for one item on this fraudulent account, they opened and closed in three days. Please help me and others like me who has been betrayed by First Bankcard of XXXX, NE.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with Pressler & Pressler, LLP (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX Pressler and Pressler have sued me and got a default judgement. XXXX XXXX has been charged numerous times for violating the FDCPA laws. This attorney was asked by me to provide proof that they are the owners of the debt, a signed contract agreement, and the last billing statement. I am now concerned that he only reviewed my complaint for 4 secs just as he has been sued by others for this same issue. The last communication with him he claimed he would send the requested information ( their calls are monitored so they said ) and I have yet to get this paperwork. The only thing I 'm being mailed now is an interrogatories request. How is it they can continue to violate laws, harass consumers, and not provide supporting documents that I owe this debt? How do I know that I 'm not just paying some crook who has my information? These are questions that I need someone to look into as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (CO).
Issue: Problems caused by my funds being low

Complaint: On Monday ( XXXX ) my opening balance with TCF was over {$300.00} and XXXX transactions from the weekend were already posted to my account. I had XXXX transactions that day, totaling {$390.00} and no other transactions. When I checked my account on XXXX, TCF charged me {$140.00} in overdraft fees for the XXXX transactions that had already posted to my account. When I asked why I got charged overdraft fees for those instead of the pending transactions, the TCF rep said it took money from my account to cover the pending transactions. When I checked my account today ( XXXX ), I found I now have been charged overdraft fees for those XXXX pending transactions as well, bringing my total overdraft fees to {$220.00}. Since none of the XXXX transactions were more than {$200.00}, I do not understand their logic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: This is an update with new information for a complaint that had been previously filed against Pentagon Federal Credit Union. The new information is an investigation by the FBI and a letter from XXXX XXXX. The FBI investigation shows that my signature was forged on several documents and one promissory note was altered. The letter from XXXX XXXX confirms that they were duped into providing my personal and confidential information to PenFed. A  Massachusetts 93A Demand Letter has been executed against PenFed.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent in several certified letters to all   XXXX   credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.

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 08/30/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Incorrect information on your report

Complaint: 1.My mortgage company refuses to reimburse me for bank charges they caused by attempting to withdraw funds 3 days early. 
2. In the last 5 months I have received foreclosure notices because this mortgage company claims I was late or did n't pay, which is incorrect, I have always paid on time and have copies of there records and my bank records to prove I was always on time and they reported me to the credit bureaus as being 30 days delinquent for XXXX, XXXX, XXXX XXXX of XXXX and this company refuses to retract this error. 
3. I have bee billed for late charges in the past 5 months to the tune of XXXX. All of which are not valid. 
4. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they failed to post my monthly mortgage payment. 
5. I have written to this company with these complaints and theey refuse to change there position. 
6. They have increased my monthly mortgage payment by XXXX per year without an explanation. 
7. I sent them additional funds to cover an escrow shortage that were not posted.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from Experian and XXXX. 

I contacted both agencies and they did not receive a inquiry from 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 explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my 3rd attempt at trying to resolve this matter with XXXX. XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.

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 10/29/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MI).
Issue: Problems when you are unable to pay

Complaint: well XXXX they gave me some insurance on the car told me it was all the life of a long for {$800.00} but in 6 months it was cancelled because that 's all I went for and they told me that I can get license plates and everything with that when I got it so I stop paying for my own insurance because this insurance and they told me a lie I could n't get plates with this because it 's not in XXXX that 's {$800.00} they still have any pain the long should be paid off they still coming at me so I need help because the car is paid off they called third parties on me they did a whole lot of stuff today shoulda called me all types of hours change dates they did n't tell me nothing about this is so messed up company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have contacted company by Mail not to contact me regarding debt on XXXX XXXX 2016 and they continued to contact me regarding the same debt, the last contact was on XXXX XXXX, 2016 via mail. I have tracking numbers of USPS Priority mail mailings as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA

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 07-06-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX report dated XXXX/XXXX/XXXX Midland Funding LLC has post an account XXXX in collections for {$790.00} due XXXX XXXX XXXX I do not have or have had such an account. The only XXXX account I ever have had and it is paid as of XXXX/XXXX/XXXX account XXXX and the limit was {$650.00} and this was closed after paid in full. I assume that this business is making accounts to collect from individuals. I called XXXX and gave them the information I have from the credit report and no information was available and they requested my social security number and because I do n't know this business I refused. I request this Midland Funding remove the fraud information from my credit report. I have filed a complaint with the credit reporting service. I do not owe this business, company or any one related to such nor XXXX. Request Midland Funding , LLC remove the information from all credit reporting services. 

Request this business send the original copy of the contract with my signature, date opened, original limit, list of payments and the mailing address ( s ) on record. This copy must have the return address of the business name and the address for acceptance. 

I assume I will have to file a small claims action to have this business explain how they accessed my credit report and how they came up with a fake account listing XXXX. The listing reference this business is a Debt Buyer whatever this may be. 

I DO NOT OWN THIS MIDLAND FUNDING , LLC OR CITBANK ANY MONIES AND HAVE NO OPEN ACCOUNTS AND REQUEST THIS BUSINESS STOP CONTACTING ME NOW OR IN THE FUTURE AND REMOVE THE INFORMATION FROM THE CREDIT REPORTING SERVICES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Re : Equifax. While they raised my credit report to XXXX, I disputed information. One dispute remained on my credit report and one was corrected to a " zero '' balance ; however, they changed my " grade '' on " type of credit '' from A to B and then lowered my credit report. The information should have raised my credit score not lowered. It is a systematic way of keeping your credit score lowered even though it does not warrant it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: The lender failed to provide the detailed explanation required by Regulation X,  12 C.F.R. 1024.41 (  d ). of the denial of a loan modification- the lender has stated that due to an HOA foreclosure they will not review for a loan modification - there are no provisions stating that a review for a loan modification can not be completed due to out side factors such as the  HOA  FC. While the client is working on paying the  HOA  and working out an arrangement to do so we requested a loan modification review to be completed.

Company response to consumer: Closed with explanation