milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Tried to open a credit union account in XXXX, Ca - was told that there was a freeze placed on my social security number in relation with my credit due to a fraud alert which I did not submit but which was submitted through experian using my information. I called experian to have the fraudulent freeze removed only to be told I was not allowed to access the information because I was not the individual who initiated the freeze and was hung up on by the agent after being offered to pay {$300.00} to join a program to eliminate debt. I acted with integrity and was told I was not allowed to access my own information by and through experian. I now can not do anything with my finances because of this fraudulent freeze placed by someone other than myself but who used my social and clearly enough information to successfully place a freeze on my social and credit profile. I demand to know the IP address or mailed submission which initiated this claim and I demand to have the recorded phone conversation I had with the experian agent who illegally denied me access to my account and the possibility of removing this fraudulent claim thereby making my financial situation unlivable and extremely traumatic. I also demand this fraudulent freeze be removed IMMEDIATELY and that I receive the information of all the responsible parties previously mentioned as I am seeking legal action to the fullest extent. 

I can not attach any relevant documents regarding my credit or this freeze clearly because of this fraudulent activity as I was and am now denied access to my OWN credit information and specifically this erroneous freeze.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My original monthly payment was {$870.00} on the loan. Then the raised it to XXXX monthly adding insurance to vehicle but I have full coverage already and they refuse to remove it making it difficult to make the monthly payment. I spoke with them to resolve the issue but they refuse to comply with me in anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Ok so I received a check for a settlement loan company XXXX XXXX I had just opened up a.bank account with Citi bank I walked in branch to deposit check for XXXX $ $ the teller told. Me since it was a. New account I 'd have to wait five days ok that 's fine next day XXXX try to log in my online banking and it says no account t To display as if I did n't have A account so I call customer service spoke to some lady who tells me where I got this check from I tell her it 's a settlement loan then I said u.can call to verify if there 's an issue with check she says they tried calling to verify but that they were told account number check was drawn out of isnt a real account then she tells.me my card and any access to funds will b restricted til XX/XX/XXXX when they will know if check will be paid or not once again I have no access to my money if I was n't in need of my money why would I b asking for a loan it me just ridiculous and I do n't get how they can do that block my card and restrict access to my own money

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 05/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: On  XXXX   XXXX     2017 PayPal d ecided to please limitations on my account and place a holding on {$1600.00} on my money for a period of 180 days. With out giving me a reason why after numerous emails and phone calls all I was told is it 's there policy and in the user agreement. When I asked to review what has caused them to do this I was told I would need a court order or subpoena to do this. After days of research I have found that this is common practice for them. They have had  XXXX  class action lawsuit they have settled over this and still continue to do it. After filing a complaint with the Better Business Bureau,  PayPal response was they cleam fraudulent activity and for fear of  charge backs on my account, I have had zero complaints against my account. After reviewing there user agreement, it  States that any buyer protection is only good for 45 days, so why are they holding my funds for 180 days? When  I asked if I would be received an interest for six months I want to hold my money The customer 's service agent I was speaking to on the phone just laughed and said no. They are collecting interest on my money for their profit and they stayed this in the user agreement. This is completely illegal.

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 02-04-2018 about Debt collection (Credit card debt) with London & London (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: i try to contact london & london about a debt that i had no knowledge and try to explain that i didn't know about this debt or even the judgment for this debt that i got the judgment back in XX/XX/XXXX XX/XX/XXXX i didn't know really and when i try to ask london & london to show proof of the original contract with my signature on it and more information about this debt not just a copy of the judgment note of XX/XX/XXXX i live in XXXX  ct for any court dates it should of been in XXXX  ct and im cleaning out my credit report for the first time and to me this debt that i had no idea looks old debt i would say 9 years and i want this to be remove from my credit reports or show big proof with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: For years, Bank of America has emailed me personal information on another customer, including full name, home address, last four digits of account numbers, and account balances. There 's no way to unsubscribe, and I 've submitted numerous complaints to XXXXXXXXXXXX and never received a response. I 've also called and talked to their customer service, but they were n't able to do anything.

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 06/13/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I 've called the XXXX multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Medical debt) with MJ Altman Companies, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested that this creditor provide validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 77 days. The collection amount is listed on my credit monitoring site for {$270.00} and I was never made aware of such debt in writing

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I am beyond furious with Ditech. I called my insurance agency per your information to inform them that my homeowners insurance would be escrowed going forward. My insurance company informed me that my policy needs to be paid in full ( {$550.00} ) by XXXX/XXXX/16 or they will cancel my coverage. When I called in to speak with my account rep I was put to voicemail both times. I called in and went to customer service XXXX/XXXX/16 and was informed that everything was set up and both insurance and taxes were escrowed. I called yesterday XX/XX/XXXX to verify this when I did not hear anything from either my agent or Ditech and was told by a customer service rep at Ditech that my insurance was NOT escrowed and I would need to upload or fax in the HOI bill to you for payment. I called back today to verify that the HOI bill/dec page was received and XXXX told me that no, my insurance was not set up to be escrowed. She told me that there was nothing Ditech could do regarding the pending cancellation. She implied that I had not kept up with payments on my insurance and none of this was the responsibility of Ditech. I asked to speak with a supervisor and she said she would 'transfer me to the Insurance Department where someone would tell me exactly what I just told you. '' When she came back on the line after a 5 minute hold she told me that the insurance department said they would not make payment to my insurance company and it was my responsibility. I asked for a supervisor and she said she did not have a supervisor available. I asked to hold and she said she could not put me on hold for a supervisor as she had no supervisor available. I told her that was " XXXX '' and she said she would have to disconnect the call for my using profanity. 

Correct me if I 'm wrong, but the Customer Service department does have supervisors, right? They do answer escalated customer calls, right? And pending insurance cancellation is a serious issue for a customer, correct? 

I work in the mortgage industry and I have made EVERY attempt to resolve this in a professional manner. I am forwarding this message to anyone higher up at Ditech that I can reach and to the CFPB as well as my insurance agent. Please respond to me BY PHONE at XXXX within 24 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a credit inquiry on my credit for XX/XX/XXXX by XXXX, and I did not authorize this inquiry.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (NJ).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Received a response from CoreLogic/SafeRent on XXXX/XXXX/2017, to the dispute i filed, but the issue has not been resolved.
Company did delete 1 of the 10 " court filing inquiries '' that were in dispute but refuse to delete the rest ... Even when I expressed to them that the information they are reporting is false & misleading, and also provided documentation from my current rental property manager, that I have never been evicted, had any judgements against me or owe any balances!!

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 08/17/2015 about Debt collection (Medical) with Meridian Financial Services, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of Identity theft. This has been reported to local authorities and the credit Bureaus. Meridian financial have been contacted in writing and I have shown them My Drivers license does n't match the fraudulent copy they have on file. They continue to report fraudulent information on my credit reports hurting my ability to conduct business and causing me financial harm.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I tried to reopen my Citi prestige card a day later i received a email stating the my reopen request was denied because of a late payment on my account I have never made a late payment on my account I sent them a payment via Mail on time they never credited my account resulting from their error I received a late status on my Citi prestige card

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 06/29/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (WA).
Issue: Managing the loan or lease

Complaint: Consumer Portfolio Financial is not applyng any of the payments towards any late fees. I have continuously submit payments that include the late fee but they refuse to apply the amount to any late fee. I have contacted CPS and they still refuse to apply the late fee as required. 

Also to print the bill and show the correct due dates as required. The bill is cut XX/XX/XXXX and received XX/XX/XXXX with a due date of XX/XX/XXXX. Essentially an individual will receive the bill after the due date. This has been brought fourth numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: on XXXX/XXXX/2016 I file a dispute with Equifax about a Bankruptcy on my credit report as of XXXX/XXXX/2016 I have not received a response yet according to fair credit reporting act the have 30days to respond compliant # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A loan that was paid off in XXXX 2013 and it is still showing open on my credit report. The company that was servicing the loan is no longer in business. I have a goodbye letter from the lender and a welcome letter from the lender that took over the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have done a dispute requesting validation and verification requesting my signature, i have not received a response from the creditor and nothing has been deleted from my credit file. It has been well over thirty days of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: MY 2ND MORTGAGE WITH Bank of America was forgive, but they fail to remove the CHARGEOFF FROM MY XXXX CREDIT BUREAUS. 
This is wrong and has severely damage my ability to rent an apartment. 
Because of this I am HOMELESS.

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 01/28/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. I have not done any business with ERC and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with CNG FINANCIAL CORPORATION (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone obtained a loan using my SS #

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: I spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Struggling to pay mortgage

Complaint: Hello, With my current mortgage company back in XX/XX/XXXX when they took over from my previous company. It was a rough start, the property is in Texas and I live in Michigan, the old company knew my michigan address and it 's all over he paperwork, and I had the auto payment option activated. The new company took over and communicated with me via Texas address knowing that I do n't live there, that continued until XX/XX/XXXX when I figured that and called them just to find a threat of pay or foreclosure, I asked for statement, address, routing info ... etc When received the statement it contained about {$1200.00} in repair fees, I was with work in XXXX, TX since XX/XX/XXXX visited the property at least once a week and I am the one who cut the grass and water the trees, I never seen them or any notice or letter, anyways they refused to waive the XXXX however they reduced it. while I was in the process of discussing the charges with them someone came and broke into my house, and stole tons of my goods, then put a lock on the door with password, apparently that was the mortgage company. They cried for hours and claimed this is a third party then waived part of the charges. Now I asked for my new insurance company for more than a year and did n't get it until I went on XXXX  and created a scene then their rep was more than happy to assist. This year, deja vu same thing happened more than a thousand dollars charges for repairs, more than half of it for cutting grass!!!! They failed to pay my taxes on time to the county from my escrow ( granted I kept an eye and reminded them 5 times to pay it ), then they added the late fees ( more than XXXX dollars ) to my charges. I called them in XX/XX/XXXX to inform them that I am unemployed and need to fill the appropriate forms and see what I can do, that was followed by several calls and nothing is done, again I only got it when I created another scene on XXXX early this month. This is a small snap shot on what they did excluding all the uncalled for derogatory and racial comments I heard during they ugly process. I need help, I am helpless and had no say when this brutal company took over.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with U.S. AUTO SALES INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and the company reporting this account is not complying with the FCRA. They have not removed the account or provided any documentation to prove this even belongs to me. US AUTO FINANCE account # XXXX. They are apparently based XXXX, and I live XXXX! I do n't care whether they repo the car or put out an XXXX on the plate # s! I do n't have this car, I did n't open the account, I was never in that dealership, it does n't belong to me! At least XXXX people ( salesman, finance manager and title clerk ) saw the person with the ID and had to have noticed that it was n't me! My car had been broken into years ago and everything was stolen from my car. I did originally make a police report in regards to my vehicle theft. This account needs to be closed and removed from my credit file immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX recent credit inquiries appear on my credit report with Equifax without my knowledge or authorization. XXXX and XXXX did not have any verbal or written authorization to check my credit.

Company response to consumer: Closed with explanation