milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 10/31/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: This is a re-escalation of CFPB complaint XXXX. The original complaint pertained to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, but this re-escalation most specifically calls attention to the un-enrollment of my IRRA account from XXXX, and the negligent oversight by Bank of America XXXX XXXX to advise me the account needed to be re-enrolled, which resulted in missed opportunity for trading over a period of time. As mentioned in the original complaint, I authorized a {$41000.00} disbursement from my XXXX in XX/XX/XXXX to  serve as a form of down payment for a home my wife and I purchased. The company response indicates I was advised a 1099 form would be generated and sent whether the distribution was returned in 60 days or not. If the company verified I was told about the generation of a form 1099 via recorded calls, I wo n't dispute their findings. However, the related element XXXX will dispute is the receipt of form 5498, which I was told I would receive in XX/XX/XXXX for XX/XX/XXXX tax filing. The company response indicates they are unsure why I would assume the receipt of the form 5498 when  there is nothing in the conversations that would indicate the withdrawal was related to a XX/XX/XXXXfiling. This rationale sounds ridiculous ; the distribution was made in XX/XX/XXXX, thus I was under the impression I would receive the form 5498 the following XX/XX/XXXX. The initial representative who advised me of this information made no verbal distinction that I would actually receive form 5498 in XX/XX/XXXX. The company should re-review recorded calls to research this part of my claim, and take ownership for the error. Regarding the un-enrollment of my XXXX from XXXX - my contention is that during the phone call to reinvest the {$41000.00} distribution back into my IRRA, I was NOT advised by the assisting representative about the need to " re-profile '' or re-enroll into the MESP. The call simply concluded, and there was no additional contact to inform me of the same. This was a huge oversight on the part of the company by not proactively consulting me on critical next steps to ensure my account could resume trading, which undoubtedly cost me in the form of missed trading gains during the time period the account was unenrolled. The company response did not address this specific point about this oversight made by the representative ( s ) who handled the phone call when the reinvestment occurred, and I suspect intentionally opted to overlook this important element of my 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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian fail to delete negative wrong personal information on my report. Also, dispute results states that wrong residence has been deleted but every wrong address is still showing on my report results.

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 08-01-2017 about Debt collection (Payday loan debt) with BlueChip Financial (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I was contacted on XX/XX/XXXX and again on XX/XX/XXXX by someone claiming to have an arrest warrant from the XXXX County Processing Department. They also asked to speak to my supervisor to make them aware of the arrest warrant. I wrote down their name and number and offered to call them back. When I called back, another person working at the XXXX XXXX XXXX advised that Spotloan had sent me an arbitration request that I ignored. They then claimed to have a court order for garnishment. I have not been notified of an arbitration request or a court order. I did offer to repay Spotloan the XXXX that was owed, but I will not deal with threats or extortion.

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 05/31/2015 about Debt collection (Mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (HI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Please refer to original complaint # XXXX. I am attaching more documentation for your records

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: A COMPANY NAMED XXXX ILLEGALLY DEBITED FUNDS FROM MY CHECKING ACCOUNT ON XX/XX/XXXX IN THE AMOUNTS OF XXXX, XXXX, XXXX, XXXX AND XXXX. 
ON XX/XX/XXXX, MY BOYFRIEND USED HIS BANK OF AMERICA CHECKING ACCOUNT TO PAY FOR MERCHANDISE IN THE AMOUNT OF XXXX TO XXXX. I FAXED THIS INFORMATION TO BANK OF AMERICA 'S FRAUD DEPT AND I WAS SUPPOSED TO BE REIMBURSED FOR THESE UNAUTHORIZED CHARGES. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER AND I 'M VERY UPSET BY THIS WHOLE INCIDENT.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a consumer that receives free FICO credit scores with my monthly statements.   I pay all my credit accounts on time and I have a very lengthy and old credit report with all  XXXX  credit bureaus in excellent standing.     In  XXXX    XXXX  , I received a FICO score on my monthly statement from  XXXX   XXXX  that was significantly lower than the month before due to " serious delinquency '' being reported to them from  XXXX  and it is still there to date. I have tried to resolve this incorrect information with  XXXX  and they said the information is coming from  XXXX , and I contacted  XXXX  and they keep saying that the information is not coming from them!   In  XXXX    XXXX  , I received a letter from  XXXX   XXXX   XXXX   XXXX , explaining why they could not accommodate me for financing based on information obtained from  XXXX , first reason they listed is " serious delinquency '' too recent or unknown.    XXXX  will not help me get this info removed from what creditors are receiving, they keep saying they are not reporting this information!!

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 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditor XXXX, and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.

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 01/16/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased a XXXX XXXX in XXXX 2008 and Believe Interest rates where too high, I was sols the Vechile for XXXX dollars with {$1300.00} for trade some this monies were first finaniced by XXXX XXXX XXXX SInce that time I have made 50 payments of {$330.00} for total of {$16000.00} for this van as of today I am still on the hook for {$7000.00} additional fee the van was repossed and sold for {$1100.00} by Santander, this has been on my credit for over 10 years I have reached out to pay {$500.00} to have these charges taken on of my credit report to no avail as you can see I have paid a total of {$19000.00} for the van and Santander claims I still owe {$7000.00} dollar on this worthless van, can someone help as I am trying to get this off of my credit to purchase home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " Equifax has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and Equifax comes to the same final conclusion and outcome as did XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with Monterey Financial Services LLC (FL).
Issue: Billing disputes

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: At branch located in a grocery store XXXX MN on XXXX XXXX 2016 I help my kid set up a student checking account. The Branch Manager XXXX XXXX. asked if I would like to open a new credit card. I said no and explained I just opened XXXX a couple of months ago and that I was good with that XXXX. I received a letter dated XXXX XXXX that my application was denied because of gross income. I went back to the branch and questioned the manager and she agreed I declined a new card but said it would have only been a soft hit on my credit report. She said she would get back with me. After some time with No response I contacted her boss XXXX XXXX. He asked me to send documentation and a notary. He said he would take care of it. As of today it is still on my credit report under XXXX. I have attempted to contact the boss this week with no response so this is now my third step to solve and issue the US bank caused.

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 01/26/2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (WA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XX/XX/XXXX, I purchased 2 XXXX gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, WA. 

I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). 

After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. 

I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). 

It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank XXXX, which is more concerning.

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 02/24/2016 about Payday loan () with D2 Management LLC (AZ).
Issue: Received a loan I didn't apply for

Complaint: I 'm receiving calls from D2 management at XXXX out of South Carolina. I have asked for them to send a verification of debt and they refuse. They have threatened to sue me and they wont stop calling me after I gave them a verbal cease and deist. They also hang up on me immediately after my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX I have a home mortgage with Wells Fargo Mortgage. I can no longer afford to live in my home, because the mortgage in on a adjustable loan for years I will call Wells Fargo to try to get help putting my loan on a fix rate, they always take down my information, we will go through a long process, and the answer always come back as no they ca n't help me at this time. Even when I go in the bank to make my payments the banker always say you need to get a better loan this is highway robbery, you should go across the hall and speak to someone about getting a better loan, will do so the answer will come back, no they ca n't help me at this time. I also apply for making home affordable at different times, and the out come is always the same. I bought my home in 2004 it was on a fix rate, I had a realtor to approach me about changing my loan for 6 months I was not aware what adjustable loan mean. I have not been able to get on a fix rate since that. The home was purchase around XXXX, I could only make minimum payments and now the balance is around XXXX, the payments is so high, I ca n't afford to continue, the payments go up every year. I have 4 more years before I retire, and now I am looking for a place to rent. My only option is to short sale my house, because I ca n't get any help to put me on a fix rate. The house is now in the process to short sale. Could someone Please help me get to stay in my home. I have work so hard all my life, I have 34 years XXXX, and this is how it 's going to end. I fell like I ca n't help myself. Could someone please look in to this matter, and help me save my home.

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 06-01-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My 2nd lien mortgage is very delinquent due to a BK and payments not being paid to the creditor during the BK. I have tried everything in my power to work with this company. As I am now able to make the payments and keep the loan current. I sent a check for XXXX payment {$19000.00}. The check was not cashed or returned. This would cover all the PITI. leaving only fees and forced placed flood insurance ( my hone is not in a flood zone I paid the {$500.00} to have a the home re-survey and the letter needed for XXXX to remove it ) Not sure why the 2nd forced placed insurance and my first lien did not. I attempted to call and e-mail their advocacy group and was told they can not talk to me due to a cease and desist order. I exampled that was put in place due to the BK and that only means they can not contact me but if I 'm seeking out help they can talk to me. The rep refused to give me any additional information as to where my {$19000.00} went and why it was not accepted. The loan has not been breached and is not in XXXX they send me a monthly statement. They have no right to refuse payment. They have in no way issued a demand letter demanding payment in full. I tried to send them the full XXXX payments I am behind in XXXX payment and like I said above not sure what happened the check has not been cashed or returned and they wont talk to me. The chpt XXXX BK was completed XXXX 2015 all payments were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with National Financial LLC (DE).
Issue: Can't stop withdrawals from your bank account

Complaint: On Wednesday XXXX XXXX I physically handed a Revocation and a Power of Attorney letter to National Financial LLC XXXX Loan Till Payday to stop payments of {$170.00} from coming out of my checking account. 

They did not honor the letter and processed to take the amount out anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
XXXX reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.

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 08/28/2015 about Credit card () with SYNCHRONY FINANCIAL ().
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is the XXXX time I 've had to submit a complaint on behalf of this card. The first time I spent a lot of energy and time submitting a thoughtful overview. This time I 'm just going to say - the customer service and operations for this account suck. The people who answer the phone can hardly help. It takes 20 years and XXXX phone calls to get anything taken care of. Each person has access to XXXX piece of the puzzle. My card was recently compromised and I 've yet to have anyone provide me answers to the questions I 've asked and I 'm not willing to spend anymore time on this issue by providing a thoughtful submission. Hopefully my complaint will put me in touch with an intelligent person in the organization that is equipped to give me all of the information I 'm looking for in a timely manner. It 's unfortunate I find the rewards for this card of value ( the only value the card provides ) or I would have chucked this out of my wallet long ago.

Company response to consumer: Closed with explanation