milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After a re-fi, I received the new mortgage company information and set up a bi-weekly payment on my bank 's website. I always pay 1/2 payment and am always 1/2 month ahead of schedule. I get a phone call telling me I am late and they need a payment. I look at their payment history on my loan and they are all there- Including the first half of XX/XX/XXXX! they will not get back to me, they are still showing XX/XX/XXXX is unpaid and now 20 days late-

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: ACCOUNT WAS CLOSED FOR NO KNOWN REASON, BEEN A CUSTOMER FOR HUNTINGTON BANK FOR ALMOST 10 YRS WITHOUT ANY ISSUE..
NO ONE COULD EXPLAIN TO ME WHAT MY CAUSE OF ACCOUNT CLOSURE WAS PLEASE INTERVENE.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (SC).
Issue: Managing, opening, or closing account

Complaint: ON XXXX XXXX COMPANY RUSH CARD DID A SOFTWARE UPGRADE AND IN THE TRANSACTION PROCESSING SYSTEM DID N'T GO AS PLANNED CAUSING MY ACCOUNT TO SHOW XXXX BALANCE AND I HAD NO ACCESS TO MY MONEY I HAD ON THE RUSH CARD WHICH MEANT I WAS UNABLE TO PURCHASE FOOD, I COULD N'T PAY MY CAR PAYMENT, PAY MY BILLS WHICH CAUSE SOME TO BE LATE AND ADDED LATE FEES WHICH I WILL BE RESPONSIBLE FOR NOT RUSH CARD, AS OF TODAY XXXX/XXXX/2015 SOME REMAIN WITHOUT ACCESS TO THEIR MONEY MORE THAN A WEEK AFTER TECHNICAL PROBLEMS FIRST BEGIN THINGS ARE STILL NOT RIGHT AND THINK RUSH CARD SHOULD BE HELD RESPONSIBLE FOR ALL THE PAIN THEY HAVE CAUSED ME AND MILLIONS OF OTHER USERS ... THANK YOU!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have sent several letters to Transunion disputing inaccurate information for XXXX accounts providing documentation these were paid by insurance company ( medical accounts ), proof payment was not 30 days late, updating employment information, etc. and they will not respond. I have disputed online and via mail providing adequate proof and yet they issue no response at all.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX XXXX  removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.

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 10/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Bank of America to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 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: XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted

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 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my loan is with XXXX XXXX XXXX. They show missed payments on my credit report when i have never missed a payment. my payments are automatically taken out of my bank account. I was late in XX/XX/2016 due to a change in my job and paydate, which i rectyfied immediatly and the payment was made a few days late and all future paydates adjusted. I ave never been late before nor since then. i have provided XXXX with statements of the 6 missed payments they claimed. though as of yet they have not been fixed. they want to discuss, though there is nothing to discuss and i told them i'd be happy to discuss via email so i have a written back up as i do not trust anything they do. no further response from 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 07-11-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On several occasions I have written to get Midland Funding to prove the validity of their alleged debt showing up on my credit report. I am including original letters dated XX/XX/XXXX and XX/XX/XXXX I have many more letters which I could produce. I have also written to the credit bureaus asking for their help. To date, no one has responded. Unless someone can produce documentation showing that the information being reported is 100 % accurate and 100 % verifiable, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The item in question is for XXXX XXXX XXXX, an old checking acct that went into default in XX/XX/XXXX during a job loss. The acct was paid in full XX/XX/XXXX. I am currently a member in good standing again with them. I noticed on my credit reports that after the acct was paid, the account is listed as a JOINT acct with my daughter, XXXX XXXX. The acct was set up in XX/XX/XXXX, my daughter was XXXX years old at the time, born in XX/XX/XXXX, & could n't possibly have been a true " joint '' owner. While at the branch discussing the acct, I was told that back then that is how they listed POD accts, as joint. So when it went into default, it went on her credit report as well, and has ruined her credit wrongfully. I went to the branch that I do business with, spoke with the mgr, XXXX XXXX, and was advised that he would look into it. No changes were made. I disputed the accts with all XXXX CRA 's, XXXX was the only one what was kind enough originally to address and remove the TL due to the unfortunate situation, XXXX removed after a CFPB dispute. After my EX dispute, the closed account has been " updated '' XX/XX/XXXX and has been closed since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Experian. I have tried on numerous occasions to have this account removed due to it 's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. I have been in the process of working with a realtor and I recently applied for a home loan. However, I was denied due to this account showing as a delinquent account most of XXXX. My child support is automatically deducted from my check each week. The deduction is labeled as " Other Deduction 1 ''. The stubs in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. This account has caused my credit scores to stay in a poor range. The falseness of this account is a violation of the FCRA " Willful Financial Discrimination ''. 

I sent a certified letter asking for validation and payment history on this account and I never received a response. I sent a letter asking for the account to be sent to my state of residence and still no response. According to Alabama Child support policy " Arrears is only reported if the account is in the arrears over {$1000.00} '', which my account is not!

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Collection Agencies, Inc. (WI).
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: XX/XX/XXXX XXXX XXXX Hospital, XXXX XXXX XXXX XXXX XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of Alliance Collection Agency. I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home. I have had XXXX XXXX since XX/XX/XXXX. Some how XXXX, XXXX XXXX Hospital deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX. I have also spoke with the Alliance Collection Agency and it seems as though the matter is getting worse. There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved. However I am filing complaint one at a time, this one being the largest and most difficult. I hope I have included all that is needed for this matter to receive your attention. Please Help.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Incorrectly reporting that this item from XXXX XXXX XXXX XXXX is still open on credit report ; Needs to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with ERC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have received collection letters and a negative account has been placed on my credit report for a debt that I do not owe this company. This account with XXXX has been previously removed from my credit report and now it is reporting again. This is not my account. I have provided the copy of my fraud report with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from Transunion and XXXX both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three Transunion, XXXX and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

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 non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Closing/Cancelling account

Complaint: I closed a credit card from Chase Bank. The credit card is sponsored by Southwest Airlines and I had received a different credit, from Chase, for Southwest Airlines. 
When I went online at the Chase website, I noticed I had been charged a yearly fee for the card I had canceled. I also noticed a listing for another card, sponsored by XXXX XXXX, which I had canceled some months ago. 

When I called Chase the representative claimed no record of my closing the Southwest account but were willing to close it now and reverse the yearly fee charge. The representative told me the XXXX card had been closed but, even though there is no balance on either card, there is no way to remove them from my account listings. 

My suspicion is this is a similar program to the recently revealed XXXX XXXX program. 

Please investigate this as this my be a very big scam by which Chase collects XXXX dollars worth of fees without the consumer, in many cases, being aware. 

Thank you, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the XXXX. I have contacted the XXXX where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Experian did n't delete the late payments.

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 PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX XXXX I sent a certified validation letter, with signature requested, to Portfolio Recovery Associates, LLC to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX XXXX, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I received notice my loan was transferred to yet another loanServicer. On XX/XX/2015 I contacted Loancare and asked if I was on auto pay, they said no, so I paid via credit card for extra XXXX for XXXX loan payment. Then onXXXX/XXXX, they took via auto yet another loan payment. thus followed many calls, emails, ticket # 's, demand for bank statement to prove money went through. Itended with me agreeing and being promised XXXX payment would go towardsXX/XX/XXXX loan payment, and it said so via phone auto report. So today I look atmy bank account, and they took yet another loan payment out, I called and gotmore run around, and they want bank statements. I told them if they had notreceived the funds, they would see an NSF! They put me in the hole! I have nomoney left after that debacle in XXXX, my car needs transmission work, Ineed my car to get to work, to pay my bills, this servicer also changed theirweb site so there is no option to opt out of auto pay. So I contacted my bankand put a block on them and filed many complaints with them. According to theauto account report, I am paid through to XXXX, so yes, they have theadditional funds, and they need to refund me this time, I can not wait. That wasmy whole check.

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