milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a Charge off now listed on my Credit Report as of XXXX by XXXX XXXX XXXX show as account ending XXXX in the amount of XXXX. They show this account was opened in XXXX XXXX with last payment of XXXX XXXX. They have also listed on my credit report under Credit Source of information for both XXXX and Transunion the address of XXXX XXXX XXXX, XXXX Ca XXXX. I do not have any account or outstanding balance ending in account number XXXX nor have I ever lived at XXXX XXXX XXXX in XXXX or put on any application for Credit.

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 01/18/2018 about Mortgage (FHA mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL).
Issue: Trouble during payment process

Complaint: Since Hurricane Irma the bank has not allowed me to make payments through the internet because they said they gave me three months without paying to help according to them, ( which did not help me in anything but quite the opposite ), but in this month I have to pay the full three months and I call the day XXXX of this month of XXXX, when I collect my pension, to pay everything and they transferred me to another Dept. where they left me waiting for an hour on the phone and they did not answer me. That same day I sent a check for the amount of {$3000.00} and today XX/XX/XXXX they had not received it according to them, I am worried that they will not charge me for late payment. I explained it to the person who attended me today and I answered that there are too many people who call and that is the reason that they did not attend to me. But I do not understand why they turned off payments online and they did not allow me to pay even if I called several times, because I was worried. I will appreciate your help greatly, I am an elderly person and this situation makes me very anxious and sick.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 01/25/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been receiving numerous communication of misleading information as to name and information of a true Creditor, Accounting and Personal information mixed with a different Debtor. 
One example in one written notice I received it even had my bankruptcy filing information such as case number having the first digits mixed up too.

Company response to consumer: Closed
Consumer complaint received 12/25/2015 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Despite Maryland to the contrary, Caliber Home Loans refuses to pay escrow account earned income to its Maryland borrowers. See, in relevant part, this section of Maryland Code : MD Comm L Code 12-109 ( 2013 ) What 's This? 

12-109. 

( a ) ( 1 ) In this section the following words have the meanings indicated. 

( 2 ) " Lending institution '' means a bank, savings bank, or savings and loan association doing business in Maryland. 

( 3 ) " Escrow account '' means an expense or escrow account which tends to protect the security of a loan by the accumulation of funds for the payment of taxes, insurance premiums, or other expenses. 

( b ) ( 1 ) A lending institution which lends money secured by a first mortgage or first deed of trust on any interest in residential real property and creates or is the assignee of an escrow account in connection with that loan shall pay interest to the borrower on the funds in the escrow account at an annual rate not less than the 6-month average dealer bid rate on nationally traded certificates of deposit, as published by the Federal Reserve in " Selected Interest Rates ( Daily ) - H.15 '', as of the first business day of the calendar year.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be  reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX/XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX/XXXX  {$8500.00} XXXX XXXX XXXX/XXXX {$14000.00} XXXX XXXX XXXX/XXXX  {$4600.00} XXXX XXXX XXXX/XXXX {$18000.00} XXXX XXXX XXXX/XXXX {$24000.00} XXXX XXXX XXXX/XXXX  {$7400.00} XXXX XXXX XXXX/XXXX  {$39000.00} XXXX XXXX XXXX/XXXX {$17000.00} XXXX XXXX XXXX/XXXX  {$2600.00} XXXX XXXX XXXX/XXXX {$3500.00} XXXX XXXX XXXX/XXXX {$1200.00} XXXX XXXX XXXX/XXXX {$300.00} XXXX XXXX XXXX/XXXX {$2800.00} XXXX XXXX XXXX/XXXX {$250.00} XXXX XXXX XXXX/XXXX  {$1500.00} XXXX XXXX XXXX/XXXX {$3000.00} XXXX XXXX XXXX/XXXX  {$3400.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX  {$610.00} XXXX XXXX XXXX/XXXX  {$8600.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX {$760.00} XXXX XXXX XXXX/XXXX  {$3500.00} XXXX XXXX XXXX/XXXX {$8300.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX {$2100.00} XXXX XXXX XXXX/XXXX  {$2700.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX  {$36000.00} XXXX XXXX XXXX/XXXX {$36000.00}

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 03/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Somehow Equifax keeps adding addresses to my credit file that do not belong to me and have never belonged to me. When I dispute them online, I 'm charged to having to jumpt through hoops to remove their errorneous information by doing the following : Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address does not belong to me. 
Next Steps Please note your Dispute Confirmation Number printed at the top of this page. It will be required to check the status of your dispute. 

In order to process your request to change your personal identification information, please send us a copy of the following documents. HOW DOES SENDING A COPY OF MY DL, SS Card and a utility bill PROVE THAT I DID N'T LIVE AT THESE XXXX PLACES? I DISPUTED XXXX BUT ONLY XXXX WENT THROUGH. THEY RANDOMLY ADDED THESE INCORRECT ADDRESSED TO MY CREDIT FILE THEREFORE THEY SHOULD BE THE ONES TO CORRECT THEM, NOT ME!!! I ORDERED MY SISTER SOME MAGAZINES XXXX TIME ONLINE THRU XXXX AND HAD THEM MAILED TO HER AT HER SONS HOUSE WHICH I HAD NEVER EVEN BEEN TO. WHEN I CHECKED MY CREDIT REPORT LATER, THAT ADDRESS WAS ON MY FILE AS XXXX OF MY ADDRESSES! THIS IS WRONG AND IS A DEVIANT PRACTICE AND IS SHOULD NOT BE ALLOWED TO CONTINUE!! 

1. Valid Driver 's License 2. Social Security card or XXXX form 3. Utility Bill Please print this page and fax or mail it with the required proof documents indicated above within 24 hours. 
Please ensure that your XXXX-digit Confirmation Number is included with any documents you submit to us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX did not pay our home insurance, although the account is in escrow. We have been uninsured for 2 weeks, and ( if our insurance agent will let us be reinstated ) will not be insured again until after the weekend. 

This is the second problem we have had with our account in the 1st month since they bought the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: We've had this credit card since XX/XX/XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XX/XX/XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XX/XX/XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I have been attempting to close out an underperforming Roth IRA account with PNC and transfer funds to another institution for over 30 days. I initiated the transaction at a PNC branch and followed the instructions that were provided by an investment banker at the PNC branch. About XXXX weeks after completing this transaction as instructed by the investment banker at the branch, I received, in the mail, a notice that PNC was not able to complete the transfer. The package provided did not include clear instructions and a number of the forms included were completely illegible ( examples attached ). I called in to PNC customer service on XXXX and was directed to XXXX XXXX, who identified himself as an IRA consultant. He was somewhat verbally abusive and refused any help beyond recommending that I complete the identical process again. I believe that being denied access to my funds, provided with illegible forms to sign and being provided no clear reason for denying me my funds to be an unfair practice on PNC 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Money transfers (International money transfer) with CITIBANK, N.A. (IL).
Issue: Other transaction issues

Complaint: I have a savings account with Citibank XXXX and also with Citibank XXXX. I needed to transfer money to that country and customer service chat agent in XXXX recommended me to do a Global Transfer. I followed his advice and instructions and on XXXX XXXX sent XXXX XXXX from my savings account in XXXX to my account in XXXX, however the operation could not be completed in XXXX and was rejected and reversed. The office in XXXX gave me notice of it and also the reference number XXXX as constancy that the global transfer and the XXXX XXXX were reversed back to the sender in XXXX ( myself ). 
Until here, this is a normal issue, however after 3 months Citibank XXXX has not given me my money back! I have called several times and communicate with different agents ( Global Transfer Specialist, Customer Service, Speed Unit etc ) and they say that they need to do an internal process to clarify what is happening. I have got XXXX reference numbers in Citibank XXXX that are XXXX and XXXX about that internal case. They told me the back office need to communicate with XXXX and solve something, and that it will be resolved in about a week, but almost 3 months have passed and my money is still missing, I keep calling and they keep saying that need to clarify and that I should call again on a week! I needed that money to pay a mortgage in XXXX and Im already running on high interest there. 
What is weird is that when I call XXXX in less than 10 minutes I have again the confirmation number showing that the Global Transfer was rejected and the money sent back to the sender, Citibank XXXX, so I don not understand why Citibnak XXXX is taking almost 3 months to give me my money back. 
In summary, I did an online global transfer from the Citibank webpage from my Citibank savings account in XXXX for XXXX XXXX, but the operation was rejected so the money should come back to my account in less than a week, nonetheless Citibank XXXX is taking months to give me my money back even tough I have the constancy of the money reversal. They do not provide me any reasonable answer, just that an internal case is open, and they refrain to answer when such case will be solved or what is happening. Please help me, XXXX XXXX is a lot to 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 monetary relief
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with Account Control Technology, Inc. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I supposedly went to XXXX XXXX XX/XX/XXXX/2006 and now I have XXXX who apparently is the new XXXX XXXX saying I owe over $ 3k. 1, this is over 11 years ago and 2 I did n't actual attend. I signed up but never attended. I have bot heard anything from this school. Now account control with XXXX XXXX and XXXX are threatening to garnish my wages. They are extremely rude and wo n't listen. I have requested information that they keep passing off to other companies. I am being harassed. I have called the attorney general and am complaining there as well. I have written them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the   XXXX   XXXX   that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent a letter reaching out to Phoenix Financial Services, LLC about account number on my credit report account number :XXXX asking them to please send me proof of the debt they are asking me to pay.I have asked for validation and proof of original contract that is certified by a notary that it is the original contract with my signature on it .this company did not have my consent to furnish my information to the credit bureau. they did not send me any validation of the debt and I gave them more than 30 days and they have not replayed to me. I have proof of the letter I sent to them asking to please validate the information and also to get the original copy of contract with my signature on it like the law says they have to do. I have also ask them to delete and remove all information that they furnish to all credit bureaus but they didnt and they continued to by updating to the credit bureau under the remarks section that they meet the FCRA. also I have never made a contract with this company and they are claiming that I owe them something. I have not entered into any buiness agreement with them. and just to be clear I did not authorization them to furnish any of my information to anyone. I have also sent them the law that states that they need my authrazation to furnish my information. I have attached the letter I sent to them certified and returned signature. they have also failed to send me validation and its past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Hello, I need your assistance as these banks are misleading people with information. I ask Bank of America on more then one occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something " XXXX ''. I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Billing statement

Complaint: On XXXX occasions in the past 12 months, I / we have received our bill for our Capital One XXXX much later than expected. During the last incidence, the billing cycle ended XXXX/XXXX/16. Capital One 's telephone support claims that the bill was mailed XXXX/XXXX/16, yet we did not receive it until XXXX/XXXX/16. The due date is XXXX/XXXX/16. Although we can easily pay the bill, this gets to be a tight turn around and has nearly resulted in several late payments. Either Capital One is inadvertantly failing to mail their statements late, or they are sending statements too late in the hopes of generating revenue through late payment fees and interest. Or the postal service is not doing their job properly, but we have not had problems with other mail arriving late.

Company response to consumer: Closed with explanation