milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: Bank of American has force placed flood insurance on my home. I have provide to Bank of America 9 years ago the Flood cert pulled on my home with my primary lender to show them I am not in a flood zone. They did nothing and did keep force Flood insurance on my home. I had finally in  XXXX    saved the extra funds to have an engineer per Bank of America to complete the LOMAR map update. The engineer completed a letter directly to my address per the information Bank of America stated I needed to not have force placed insurance. I completed and sent everything over to Bank of America in turn to be told I can have reduce forced insurance. I have been calling and each time I get a different person. I called and spoke to FEMA they stated as of the FEMA ACT of  XXXX  that my free standing shed and garage are not to have force placed insurance. FEMA told me to call back Bank of America as what they are doing to me is wrong. I this passed week was told by Bank of America that I need a letter from my home owners insurance agent stating I have no running water in my garage, no bedroom in my garage no bathroom or kitchen in my garage. I asked if they wanted the orginal appraisal they did on the home over 7 years ago last time they were in my house to show no running water. They stated no that get them the letter and they would review per the  XXXX  FEMA ACT. I have a letter sent in last week to Bank of America to stop the force placed FLOOD insurance on my home. Again my 1st. MTG. company states I do not need flood insurance. Bank of America equity line of 30K states I need flood insurance. this letter was sent over and I am waiting on a reply. I called FEMA and they told me I should reach out to CFPB for help as they could not understand why I have been treated this way. They did not understand why I needed to provide a letter as they MAPS of FEMA state and show I am not in a flood zone. I have spent money to pay for engineer and to file the LOMAR and I have taken off work to deal with this and I am getting no place with Bank of America trust me if I can afford to pay them off or to get my 2nd refi. I would I need help please

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 02/21/2017 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My client has requested mortgage assistance from PHH Mortgage Services to allow for them to short sell their property. The property has been vacant for more than 10 months and the owners have an offer for the purchase. Due to the property condition the price is less than neighboring properties. PHH declined the sale offer because the offer did n't meet the net requirement for the investor but upon further discussion the negotiator for PHH mixed up the lien position of the short sale investor ( 1st trust getting full payoff ). She thought she was handling a 1st lien short sale so the rules she was applying were incorrect. Even after admitting her mistake she still has n't straightened on the issue. She claimed to send to the investor for approval 21 days ago and keeps stating the review is n't complete. Not only is the investor losing money, but my clients are still paying insurance on the property 9 months after vacating ( they ca n't afford to pay ), and the neighborhood is being affected by the dilapidated property sitting vacant. This has been going on with PHH since last XXXX and they have the same person working on the file that messed it up last XXXX. They either need to replace her on the case and escalate it to management for completion or intervene in the process to make sure the investor is actually deciioning the file

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2017, I noticed that the Ad Astra had posted derogatory remarks on my account. I sent them multiple opportunities to verify debt but all they would reply with was they reviewed the account and determined that it was valid. 

I contact them back and said that the message they sent is not proving that i owed their company money. After i sent the 3 letters, i submitted a estoppel and after a day or two after they received the estoppel, they contacted me again wanting money from me via postage mail. 

Even though they XXXX my account with XXXX XXXX, they continue to leave derogatory remarks with XXXX and possibly also XXXX ( I have not checked XXXX yet )

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attest that I am XXXX XXXX, and I am the author and owner of all information placed in this dispute. 

The XXXX XXXX account on my record, is not mine. I never opened an account with them, received or activated a card, or - established any credit line with this company, Equifax updated this account with verbiage that says the following, and on XX/XX/2015 - " Consumer disputes after resolution " I am, and never have been the owner of such an account, and therefor, and again dispute this tradeline for it is wholly innacurate, This is the second dispute with EQ, and for each failure to respond to the issue brought to them and clearly spelled out and not acted on, there is an allowable financial penalty for each incidence, in the courts, available to me. 

XXXX XXXX should be contacted directly, to verify the same. 

1. I hereby request a method of verification, specific to how this account is/will be verified. I am entitled to a contact name, address, telephone number or other identifier, in which EQ has or will verify this account and its ownership. 
2. I also request, that this tradeline be deleted. 

As per the FCRA, this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX is reporting inaccurate information to TransUnion and XXXX. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual Date Opened calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as XXXX to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s )  indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

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 07-08-2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (MD).
Issue: Billing disputes

Complaint: I had XXXX credit cards with Pentagon Federal and they have reaged this account to make it appear longer on my credit report. This is a blatant violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with P.S.C., Inc (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I had a judgment placed on me for medical bills that I never received on XX/XX/XXXX, 2017 by Puget Sound Collection Inc. ( PSC ) in the amount of {$5800.00} and PSC court Fee 's of {$530.00} which totals out for them to be {$6400.00}. I noticed the large amounts of medical bills and immediately contacted PSC Inc. and found out that most the bills were due to a L & I claim that I had years ago that multi-care never bill them for but knew it was an L & I claim. PSC and Multi-care both denied that it was but I had medical proof that they knew but did not disclosed this to me or the court. I began to investigate this insane amount. my findings through doing a discovery with a legal aid service & L & I showed that Multi-care knew that most of my bills that I was being persuade for were in fact a claim from years ago. I contacted PSC and was told to take it to court it does n't matter to them if I can prove that they falsified documentation or not it 's up to the court to decide and since judgement was already ordered against me I was told " GOOD LUCK '' after weeks of hard work and labor and taking days off work to attend to this matter I finally submitted my paperwork to the court on XX/XX/XXXX, 2017. I spoke with PSC Lawyer XXXX XXXX XXXX after I saw the judge on my case who set a court date for XX/XX/XXXX, 2017. we had a conversation and he emailed me the next day. and I responded to his email back in reference to my case. we came to an agreement on the amount owed. and paperwork was finalized in court on XX/XX/XXXX, 2017. I went to PSC Inc. dropped off the paperwork that day from the court and came back on the XXXX of XXXX and made a payment of {$250.00} in cash to PSC and noticed that they are charging me fees for court and there lawyer, this is not what I agreed to with the Lawyer that represented PSC Inc? I have attached the following PDF files in the order of events as they occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My property at XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX was sold while I was in a modification Program. I did not recieve report back on the modification before the sale the paper work was turn in on ( XXXX/XXXX/16 ) and the sale was on ( XXXX/XXXX/16 ). They said that in needed to be in senven days before the sale day. Please help me keep my home. XXXX XXXX XXXX my phone number is ( XXXX ) and cell phone is ( XXXX ) Thank : You XXXX 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 explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Using a debit or ATM card

Complaint: Banks are charging " overdraft fees '' for transactions when using your debit card. the problem is that when opening an account they do n't disclosed the consumer that there is a charge of {$35.00} per transaction causing consumer to pay a large amount. In my case there was approximately XXXX charged to me and the bank is refusing to return. I went to multiple branch and I was told that is nothing that they can do. The policy should be for both agreeable by both consumers and bank. I was hardly using these particular account and was under the impression that I have money in since I am depositing XXXX every paycheck. Also, they send me a new card that according to the branch manager said that the card is linked to pull money from all accounts including my minor account and when I ask she does not know why it was set up like that. then to another bank in which the staff including the manager were very unprofessional and rule, I was literally begging for the money and the bank does did not care

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I have been trying to to resolve XXXX credit card accounts by paying smallaount for each of them But Citibank has been sending their formattedletters without any specificity or without letting me know about myproposal. They say they responded before but their response isuseless. I hope this time they let me know if they will accept total {$1000.00} for settling both accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (Gift card) with Blackhawk Network Holdings Inc. (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Purchased a {$400.00} gift card from the company  XXXX   XXXX ,  XXXX  a week or so later it was stolen from my car ( which is listed in the police report ). I informed the company about it and was told they suspended the card. So im fine at this point, until a few days later i see transactions starting to appear on the card. So i contact them again explaining that they didnt suspend my card like they said. So at this point im highly upset because i was lied to. They suspended it after the person used all my money. It took them weeks to email me a dispute form. so They sent me a dispute form, i filled it out and was told to email it back to them, which i did.     I was told it would take 30+ days to investigate. So i was fine with that. Months later i never heard from the company again and when i filled a complaint with the BBB. The company made it seem as if i was lying about everything because i was told there is no way to email a dispute form back to them, only mail & fax. So i showed a proof email of the company telling me to email it back. They still continued to lie. They 've been lying claiming they 've sent me a refund since the  XXXX  of  XXXX .   They never properly investigated my dispute, which is highly illegal when running a business. Not including the Fraudulent misrepresentation claim i can file. They 're trying to lie and cover up my complaint to avoid a Lawsuit. 9 months of dealing with this companies nonsense. I 've been trying to be nice and avoid settling this out of court but it 's inevitable. I 've faxed over every email i have between me and this company to my Attorney  XXXX   XXXX   XXXX . But I 'm giving them The until The  XXXX  Of  XXXX   XXXX  before i continue the process of moving forward with the Lawsuit

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Debt collection (Medical) with Convergent Resources, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit report and upon doing that it came up " XXXX XXXX '' when I called they had no reasoning for the charges they say they can not see the information. Upon researching it is a medical bill for a XXXX/ XXXX XXXX that I did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The mortgage agent at Quicken loans told me if I give him my social security number and he ran my credit report, my report would go down a few points. It went down significantly more as a result of his inquiry. I asked the executives at the company to delete the hard inquiry on my account and they refused. The people who refused are XXXX XXXX XXXX XXXX XXXX XXXX Avoid Quicken Loans at all cost, because it will cost you if you do n't

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: O n  X/XX/2017  I checked my credit report and see that the collection agency is duplicate reporting for the same account.

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 02-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I have paid balance in full and it still shows Derogatory instead of paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. EXPERIAN are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? EXPERIAN have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX XXXX ( XXXX XXXX A XXXX & XXXX XXXX XXXX XXXX XXXX Furthermore Experian have failed to provide the method of verification as required under XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that under Section XXXX XXXX of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Also there is a account that was removed but put back on my credit report under a different account number i also want it removed again for good this time. Enclose are proof of the violation.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2015 I was told by a Green Tree Rep. that if I were to pay back escrow in the amount of nearly XXXX my mortgage payment would be XXXX per month. I called back the next day to confirm with another rep. that the information I received was correct. They said yes, if I were to pay this then my monthly mortgage payments would be the XXXX per month. I paid by debit from checking account over the phone. This was ALL the funds I had ( employed by local school district so this money was to last until the start of the XXXX school year XXXX. I received my next mortgage bill and it was different by only a few dollars. I called Green Tree and the rep. said that I had been misinformed. I had an emotional break down. They received nearly XXXX dollars from me and nothing. I have not even received a receipt showing where those funds were applied to. I have stopped payments until this matter is cleared up and waiting to hear from legal council.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Missing One of my major XXXX XXXX XXXX XXXX XXXX card ( credit:XXXX , history : 1+year ) from the TransUnion. XXXX and FICO score are correct. Bank is properly reporting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: My spouse wrote me a check for XXXX on a business account using my name instead of the business account name. She marked out the address preprinted on the check and wrote in the correct address. I deposited the check via the ATM not realizing it was written to me instead of the business. My wife 's credit union paid the bank as the funds were available. Sun Trust bank flagged the check as fraudulent and began an investigation. I provided all of the appropriate documentation to clear up the mishap, the bank finally cashed the check and closed my business account. The bank has smeared my creditability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They call my work number everyday, I have sent them paperwork to only contact me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with AR Resources, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I visited XXXX XXXX Hospital XXXX. I have received XXXX bill for this service within the last XXXX weeks for {$2900.00}. Today ( XX/XX/XXXX ) I received a phone call from a debt collection agency, and several previous attempts were made to contact me this past week. XXXX XXXX at AR Recourses XXXX Inc., informed me that I additionally owe the doctors that treated me on XX/XX/XXXX an amount of approximately {$1200.00}. I told him that I have n't received a bill for this amount, and he informed me that XXXX was sent out on XX/XX/XXXX. He informed me that I had XXXX days to pay or he would report it to the credit agencies.

Company response to consumer: Closed with explanation