milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (RI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This is a secure Discover credit card which I opened with a {$300.00} security deposit in XX/XX/XXXX. In XX/XX/XXXX, I filed for chapter XXXX, which resulted in Discover closing my card account. I contacted Discover around XX/XX/XXXX to inquire about getting the remaining balance of my unspent security deposit refunded back to me, approximate {$53.00}. I was told by Discover that I needed to wait for my discharge before I could get my money back. I again contacted them near XX/XX/XXXX and was told that they did not update their system with the discharge date and I would again need to wait again, since they just now did so. I again attempted to contact them today, and was told that they applied a balance to my card account in XX/XX/XXXX, and the statement closed in XX/XX/XXXX, and I would again need to wait. To date, it has been approximately 6 months that I have been waiting to receive the unspent balance of money that I gave to them last year, and they have done nothing but give me the run around whenever I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: American Express opened 2 credit cards in my name fraudulently and they refuse to honor my statement that these were fraudulent accounts and they state there reason is because I made payment on the accounts, however I never made payments on these accounts, whoever opened the accounts must have made payments on the accounts, because it sure was not me. I have never paid on these accounts. I have also had fraudulent bank accounts opened in my name as well. They continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports. <P/>Account Number XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with WINNPOINTE CORPORATION (CA).
Issue: Closing on a mortgage

Complaint: I refinanced my loan through Interactive Mortgage. After the loan had closed which cost me a higher interest rate and an additional upfront cost of {$630.00} for an interest adjustment of 4.250 to 4.375 % because the closing department claim that the paperwork I submitted for my student loans did not actually specific how much my payment would be in XXXX. Currently I am not paying anything which I submited documents to support. I dismissed this because I wanted my payment to drop down from {$1500.00} to XXXX. However, after I had signed loan documents to obtain the payment of {$1400.00}, I received a call from XXXX XXXX of Interactive stating that I owe approximately {$400.00} more for hazardous insurance. I was baffled by this because my loan closing statement included a breakdown of my fees in which there is a charge for hazardous insurance of 13 months @ {$56.00}. The insurance quoted now is 13 months@XXXX. I received a letter from XXXX XXXX that my insurance is {$690.00} total. I am not sure why I am being ask to pay this additional amount. When I received the call from XXXX XXXX I was asked to come up with {$400.00} approximately because of the insurance being renewed. Than on Saturday after checking my loan documents I find a letter from XXXX XXXX XXXX XXXX applying additional cost to my loan that equaled {$210000.00}. My initial loan amount was for {$210000.00} now because I told XXXX I had to examine the paper work I now had to pay over {$2000.00} extra for this loan. I thought I was getting out of a prior bad loan but it looks like these loan companies are ripping homeowners off.The amount paid to XXXX XXXX XXXX was {$200000.00}. I was initially told I would only have to pay {$490.00}. Over {$6000.00} has been added into my loan.

Company response to consumer: Untimely response
Consumer complaint received 09/30/2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive a letter from Northland Group that I owe XXXX {$550.00}. I have never had an acct with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: a charge from XX/XX/XXXX for comcast cable was proven in XX/XX/XXXX to be an ID theft charge and was finally dismissed. Well now sterler or steller resources recovery is now again trying to recover payment for this debt and filed on my credit report that I owe this charge. I do not know what there problem is or if it is XXXX. But i am sick and tired of this, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 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: Account status incorrect

Complaint: Received letter from XXXX XXXX XXXX dated X/XX/17 that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on X/XX/17. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XX/XX/XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at Consumer this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XX/XX/XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that consumer just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.

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 06/20/2015 about Mortgage (Conventional fixed mortgage) with EMBRACE HOME LOANS (TN).
Issue: Settlement process and costs

Complaint: on XX/XX/XXXX XXXX writes to XXXX XXXX XXXX for a payoff of the XXXX XXXX account. This was due to the fact the property being insured had a lien on it at the time. On XX/XX/XXXX XXXX XXXX response was sent. The problem was that XXXX XXXX XXXX closed on the wrong account. That meant lien was still on home. XXXX did not catch the mistake. 
Embrace Home Loans has the XXXX XXXX account on the liabilities page listed for unpaid balance of {$1700.00} for this account. This was false because the amount at the time of closing was actually around {$9900.00}. XXXX XXXX XXXX Closed an account named XXXX for {$1700.00}. In actuality the XXXX XXXX account had a balance of close to {$10000.00}. The XXXX account was also an account closed previously before the time of close when I called to verify. XXXX was closed XX/XX/XXXX. XXXX XXXX XXXX never closed the account on the Liabilities page provided by Embrace Home Loans the account was listed under XXXX instead of the XXXX name. The account numbers matched however. 
Embrace Home Loans failed me once again by not providing accurate information on the liabilities page at the time of closing for refinance of home loan. The Truth in lending prohibits this type of conduct. My accounts information was not reported to me correctly at all. 
XXXX did not XXXX check the accuracy of the account being closed. Due to the Negligence of the Embrace Home Loans and XXXX XXXX XXXX my bank account got frozen and later seized for the amount of {$4700.00}. To pay off this lien that was still on property with out my knowledge. XXXX XXXX XXXX did not properly pay off the right account and Embrace Home Loans did not disclose the right amounts for the accounts either. Title insurance protects me from fraudulent transfer of dedd to me and from title defects that are not disclosed to me int he policy. The property was indexed improperly due to the post closing mistakes that affect my ownership of the property since it still currently has a lien on it. Due to the encumbrance on the property of {$10000.00} or more the Deed OF Trust is NOT TRUST WORTHY. 
I demand response and resettlement of this issue immediately. 
XXXX XXXX XXXX has since transferred rights to the XXXX XXXX account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Medical) with Advance Bureau of Collections (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was informed by one of the employees and XXXX XXXX that that had had computer problem and that they reported old info and paid info to the credit unions on account they should not have. I have also notified them that they were not to call my personal cell and XXXX XXXX continues to call my cell ... .XXXX has informed me that they do n't work with Advanced Bureau of Collections located at XXXX XXXX XXXX XXXX Ga XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage for our property located on XXXX XXXX XXXX in XXXX XXXX CA. with M & T Bank. I send mortgage payments from XXXX XXXX XXXX online payments regularly. The M & T Bank is asking for late chargers, even though XXXX XXXX XXXX processed ( delivered ) payment on XXXX XXXX, 2016. 
Please see attached report from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX is blocking me from enabling an external application : Truebill

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 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am having an ongoing issue with Experian. Someone used my personal information to obtain credit in XXXX Colorado using a fraudulent address. They were successful in opening up an account with XXXX Account number XXXX. I filed a police report and sent it to Experian and they successfully blocked the account but later unblocked the account saying that they received information from the creditor that it was reporting correctly. They disputed the account and the account was removed from the file later it appeared again. I called XXXX and spoke to XXXX at phone number XXXX and she told me the account was flagged as fraud already and that Experian was notified to remove the account yet experian has not removed the account from my file. I contacted experian today and they did not want to help me. I am stuck in the middle of a horrific situation and experian has not removed the fraudulent addresses in XXXX coloredo from my file.

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 07-10-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has maliciously misrepresenting the above account as a personal loan when it is a credit card that I closed XX/XX/XXXX. I spoke with XXXX XXXX and they said they always report this card as a credit card, not a personal loan. The account was with The XXXX/XXXX. There has not been a balance on this account since XX/XX/XXXX!!! 
When I tried to dispute this on the Equifax site on line, I was not able to do so because the verification questions they asked apparently I kept getting wrong after they verified my credit file. Why can Equifax put fraudulent information on consumer 's accounts that is negative to their credit without anyone monitoring what they do? 
I also check XXXX and they are also reporting fraudulent information regarding this account. I paid it off XX/XX/XXXX, they state there was a balance of {$3500.00} from XX/XX/XXXX to XX/XX/XXXX. 
Experian reports it as an account is good standing - XXXX balance like it is still open? 
The main issue is Equifax and how they purposely misrepresent the truth without any consequence. I just do n't understand why this allowed to happen. They have a stronghold on consumer 's credit and use their " power '' to change credit scores, without any consequence. 
XXXX XXXX is providing me with a letter to back up that this was a credit card not a personal loan and that it has always been reported to the credit bureaus as a credit card. In fact, XXXX does show it as a credit card but Equifax decided today to show it as a personal loan. I checked the internet and I am not the first consumer who has had this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: agency posted against my credit report with no prior attempts at contact. Reported against XXXX different bureaus using XXXX different names " ONLINE COLLECTIONS XXXX '', XXXX and " ONLINE IN XXXX '', XXXX. 
They reference an original creditor, " XXXX XXXX XXXX '', with an account open date " XX/XX/XXXX '' and last reported date " XX/XX/XXXX ''. 

I have not lived in Florida since XXXX. 

After disputing the claims against my credit report, one of them dropped off on XX/XX/XXXX, 7 days after I filed the dispute. The agency then proceeded to re-post the same thing against my report again, today on XX/XX/XXXX. 

While it 's possible that " XXXX '' may have sent " bad data '' to this agency or someone may have used my information to open this account, that is all irrelevant as they have violated the law by failing to contact me, in writing before making any claims against my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 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: Old information reappears or never goes away

Complaint: There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. XXXX months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these XXXX accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.

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 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit report.

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 Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX X/XX/17 to dispute inaccurate infomation on my credit report and they signed for letter X/XX/17 at XXXX XXXX. I have 3 date stamped credit reports on X/XX/17 day 31 from XXXX, XXXX and Experian which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter X/XX/17 that they signed for XXXX XXXX,2017 at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.

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