milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

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 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I HAVE JUST REFINANCED A COMMERICAL PROPERTY THAT I PURCHASED TWELVE YEARS AGO. I HAD A MORTGAGE ON THIS PROPERTY WITH XXXX BANK, THEY LATER SOLD MY MORTGAGE TO M & T BANK. AT THE TIME M & T BANK PURCHASED MY MORTGAGE FROM XXXX BANK M & T BANK CHARGED MY MORTGAGE ACCOUNT WITH A TRANSFER FEE OF {$400.00}, WHICH I HAVE CONTESTED THIS CHARGE FROM THE DAY APPLIED TO MY ACCOUNT. ON XXXX/XXXX/2015 I REQUESTED A PAYOFF ON THIS LOAN, PER M & T BANKS INSTRUCTIONS I FAXED THE REQUEST FOR THE PAYOFF WITH MY SIGNITURE. I WAS ADVISED BY THEIR PAYOFF DEPARTMENT I WOULD RECEIVE THE PAYOFF AMOUNT WITHIN 24 HOURS AFTER RECEIVING MY FAX. AFTER FIVE BUSINESS DAYS AND XXXX LENGTHY CALL THEIR PAYOFF DEPARTMENT I RECIEVED THE PAYOFF FIGURES THAT I REQUESTED. ON XXXX/XXXX/2015 WHEN I CONTACTED M & T I WAS NOT AT ANY TIME DURING THIS FIVE DAY AFAIR THAT THERE WOULD BE ANY SPECIAL FEES. 
WHEN I MADE MY REQUEST ON XXXX/XXXX/2015 FOR THE PAYOFF I INFORMED THE BANK THAT I HAD A CLOSING AT XXXX XXXX/XXXX/2015. I DID NOT RECEIVE THE PAYOFF UNTIL XXXX PM XXXX/XXXX/2015 AT WHICH TIME IT DISCLOSED THE SPECIAL FEES THAT HAD BEEN APPLIED TO THE PAYOFF ON THIS LOAN. THE {$400.00} CHARGE THAT I HAD DISPUTED, A {$770.00} " 60 DAY NOTICE FEE?? ", {$290.00} RELEASE FEE, {$100.00} A PAYOFF LETTER FEE. THE TOTAL ADDITIONAL CHARGES FOR {$1400.00} I WAS FORCED INTO PAYING IF I WISHED TO CLOSE THIS LOAN I HAD NO OTHER OPTION. I HAVE BEEN PAYING M & TBANK 7.5 % WITHOUT THE OPTION TO REFINANCE WITH THEIR BANK. MY LOCAL BANK PROVIDE A XXXX XXXX RATE ON THE REFINANCE. MY ATTORNEY WHO IS IN HIS XXXX YEAR IN HIS PRACTICE, THE FINANCE OFFICER THAT PROVIDED THE LOAN HAD NEVER CLOSED A LOAN WITH SUCH UNRESONIBLE PAYOFF CHARGES. AS THE CONSUMER DO I HAVE ANY LEGAL RECOURSE?

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with GC Services Limited Partnership (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Agreed to pay in full " settlement '' which I did. Called multiple times regarding this And was explained it will be taken off my credit in  one month, it 's been 3-4 mo nths

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Hello, Thank you for your complaint  XXXX  about EQUIFAX, INC..   We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.  [    XXXX   XXXX   XXXX   XXXX  !!!! im the victim and equifax is the fraudster!! ] thank you for your admission of GUILT, Equifax can not respond with clarity, they are THE PRIMARY REASON FOR BLOCKING MY ACCOUNT WITH  XXXX !!! AS THE EVIDENCE CLEARLY SHOWS, AND THE NEXT COMPLAINT WILL BE AGAINST THE CFPB FOR ALLOWING THEIR  XXXX   XXXX  RESPONSE NUMEROUS TIMES!!!!!!!!! THIS IS UTTER  XXXX  THE WAY MY COMPLAINTS GET CLOSED WITHOUT A VALID RESPONSE WHE N IM SH OWING TANGIBLE EVIDENCE OF THEIR CRIMES!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX after an on the job XXXX where I worked for the same company for 20 years. XXXX I have been jumping through hoops with Washington XXXX XXXX XXXX XXXX for 3 years now and so forced to live on 60 % of my former income while they decide my fate. My condo is being foreclosed on XXXX XXXX. I tried to do a short sale and was told I would qualify for the Making Home Affordable Program which would give me $ XXXX to relocate. I brought a buyer with a cash offer to the mortgage co, Ocwen, who had my first and 2nd mortgage. They accepted the buyers offer but they sold the 2nd mortgage to a private investor who will now not accept the offer made to them but wanted $ XXXX more. The buyer came up with $ XXXX more for the XXXX but then Ocwen said okay they got more now we want $ XXXX more which will put the price of the condo at more than the fair market value. Now they have told me because the XXXX mortgage holder is private, I do not qualify for the XXXX XXXX anymore and they will not accept the cash offer they originally said they would accept so they are forcing me to foreclosure. They will force me to be homeless rather than accept a buyer. I did not sell the loan to the private investor Ocwen did. The money would have helped me to find another place and pay first last and deposit. Now they wo n't accept the sale for a reasonable price and I do n't know what to do. Can you assist in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: Citibank heavily advertised a promotion last year by which, if you opened a Citibank checking account and deposited {$15000.00} in new funds ( money not already in a Citibank account ), after XXXX days you would earn a {$400.00} bonus. The bank said the money would be deposited into your account within XXXX days after you satisfied the terms of the offer. So I opened a Citibank checking account, transferred {$15000.00} into it XX/XX/2016, and waited XXXX days plus XXXX days to receive my {$400.00} bonus, which was due XX/XX/2016. It never arrived, despite multiple calls to Citibank, where at least XXXX different representatives have confirmed I am owed this money. They have also informed me : 1 ) An " investigation has been launched '' within Citibank ( presumably to get to the bottom of why the bank is not paying its customers the promised {$400.00} -- thereby tying up our money MONTHS longer than we expected. ) 2 ) Each rep I spoke to " contacted the back office '' to see if they could expedite my {$400.00} payment ... but alas, they could not! But rest assured, Citibank is continuing to investigate itself to get to the bottom of this! What a relief. 
3. I " am not the only customer complaining. '' Yeah, I 'll bet I 'm not. Citibank heavily promoted this offer -- I could n't even log in without seeing this full page {$400.00} offer. And now they 're running an ad for a {$500.00} offer if you open a new savings account. Whoooooooo ... sign me up!

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 09/22/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Application, originator, mortgage broker

Complaint: PNC Bank advertised on a large screen TV at the XXXX Branch a " loan discount '' of {$500.00} for a new, qualifying home mortgage if you set up the loan payment as an auto-deduction from an existing PNC account. I had just begun the loan application process and asked my loan officer if I was eligible. He said I was. I was told at closing the " loan discount '' would be credited to my checking account after the first auto-deduction. Following the first auto-deduction from my checking account in XX/XX/XXXX, I was then told the loan discount would be credited to my checking account 90 days after the loan closed. After 90 days, I am now told that my " complaint '' will take several weeks to research. The same scenario occurred with a friend of mine getting a PNC mortgage at the same time. After many phone calls, they did finally get the loan discount credited to their checking account but were so angry at the effort it took to get a benefit that PNC had advertised, they moved all their accounts to XXXX bank. I have had account with PNC for 30 years and feel that I deserve better treatment. It is not a huge sum of money, but if they are going to lie and not follow through with this promise, why should I now believe anything they tell me. I have placed on hold any further business with PNC until this is resolved. I have attached a document containing emails between myself and PNC. The Loan Officer was XXXX XXXX, followed by XXXX XXXX when XXXX was no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with Love, Beal & Nixon, P.C. (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: The creditor in question, Love, Beal & Nixon, PC ( hired by XXXX XXXX XXXX of XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX XXXX XXXX. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided Love, Beal & Nixon, PC with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: Hello - Please assist in forwarding this dispute to Executive Office of Chase and Legal Department for another review. I would like to dispute the decision for my dispute claim denial. Per my previous complaint, I have also sent my charge dispute directly to XXXX multiple times and also have filed a complaint via XXXX, but XXXX still could not provide me the breakdown of the fees they charged for cancellation of the sale. Per Merchant 's policy ( clearly stated on their website ), it states : " If you 're unable to deliver tickets on time and as promised, your payment method may be charged an amount generally equal to XXXX % of your ticket cost. ". The ticket price was {$800.00}, so XXXX % should be {$160.00}, instead of the {$480.00} that they charged ( without any explanation or breakdown of the difference )! Please see attached for my initial charge dispute with XXXX. I 've also provided them with proof that the ticket was available, but XXXX refused the ticket. Hence, XXXX forced me to cancel the sale because they did not accept the ticket. Furthermore, XXXX still could not provide me with a specific breakdown of this 'difference ' from {$800.00} to {$480.00}. They agreed to provide courtesy refund, but only {$120.00}, instead of the {$480.00} that they charged directly to my Chase account. So Stub Hub still could not provide the breakdown on how the {$360.00} was determined. 
Additionally, the temporary credit {$480.00} has been removed from my Chase account, so I just need some assistance in fighting this illegal charge with the Merchant. Especially since it was charged by XXXX directly to my Chase checking account. So this dispute should serve as protection as Chase debit/credit customer, and also Chase 's protection to prevent anymore illegal charges from this merchant XXXX. 
Please escalate this matter for further review and more research. Greatly appreciate your assistance and look forward to a better resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX XXXX. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Senenca mortgage took over servicing of my loan from previous mortgage company on XXXX/XXXX/15. My first payment, XXXX XXXX, went to the previous mortgage company as required. When Seneca took over my loan they began calling me weekly, sometimes daily, stating that I owed them my XX/XX/XXXX payment. I informed them that I had made that payment to the previous loan company as required. I also sent them proof from the previous mortgage company and bank statement showing it cleared. I still continue to receive calls until XX/XX/XXXX claiming they have not received this payment and stating I am one month behind on my payments. I was assessed a late fee, which I had to call and dispute. They have stated that they notated the account that I should not be assessed a late fee and are still attempting to get my previous payment forwarded from the previous loan company. I sent my XX/XX/XXXX payment by online bill pay as I have done since they assumed my loan. My XX/XX/XXXX payment was rejected by them. I had to call and ask why this was rejected. The answer I was given was that they have placed a hold on my account in order to monitor for any incoming check from the previous loan servicer. I am now forced to make payments by alternative means until this is resolved. I find this unacceptable and this company cleary has no idea what it is doing. They are threatening and I do n't trust them. I informed them if they negatively impact my credit in any way I will file a lawsuit against them. Online reviews of this company are overwhelmingly negative and appear to operate with questionable tactics. I will be working to help organize a class action lawsuit against this company if the issue is not dealt with in the next few weeks. Customer service reps are often rude and argumentative. They are the worse company I have ever dealt with and totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Federal Loan Servicing Credit received a certified letter form me on XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual document with Federal Loan Servicing Credit bearing my signature AND marking the account disputed on my credit report. As of XXXX/XXXX/2016 Federal Loan Servicing has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Payday loan) with Chaplain Financial Services LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive calls from Chaplain Financial stateing I owe payday loans from several years ago from XXXX different payday loan operations. I told them I have never taken a payday loan out. They gave me information that was mine but was not consistent. Ex, old addresses, old employers etc. At one point they told me they were going to take me to court- I said I have n't received any judgments in the mail. They stated that they came to my home and took pictures. They have also called my sister and brother asking about my where about. I called them and asked for a verification letter showing the debt I owed and the Virginia creditor- they sent me an email but it did not have much information on it but the name of the creditor- which I looked up and could n't find a working numbers for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 I personally found out that my identity may have been compromised. Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Non-federal student loan) with National Enterprise Systems, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: NES is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that XXXX XXXX XXXX owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with XXXX XXXX XXXX and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for XXXX XXXX XXXX or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
I want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the loan or can account for any information they received from XXXX about the loans. The loans are not collectible.

Company response to consumer: Closed with explanation