milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {$1400.00}. Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw {$500.00} from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew {$500.00} and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.

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 09/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Problems when you are unable to pay

Complaint: Inaccurate information being reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I closed the credit card account and left the country. I lived in XXXX for the next 5 years and come back to realise that I have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: We are not stupid and we deserve the true and treated with respect and make us feel that we have you all to protect our security identity and help us solve an issue like this kind. That believe me is nothing agradable to go thru this. I been robb since XX/XX/XXXX and I already explain you all all the situation. And I send papers information of you tell me to send. My transaction I made I write in a paper and police report send it by fax. And and I take that molestia to call you. Because if I do n't call you, you never call me and inform me nothing, exactly like you never inform about any transaction made it or mail, text nothing at all for my transaction made it. And already made XXXX claims XXXX and XXXX and claim rep. Say everithing was fine so the issue star like XX/XX/2015 thru XX/XX/XXXX. Or XX/XX/XXXX. And my balance was up much more. More than XXXX dollars and you lie to me and refund dates of XX/XX/XXXX so what XXXX???? 
What you make us think? The issue is XX/XX/XXXX since today or the day I do the claims. Not only XX/XX/XXXX. If I explain the Stating issue of feb. And you all telling me lies and when I see the stamens only issue cover on some days in XX/XX/XXXX. With my balance that was XXXX XXXX XXXX XXXX like total of XXXX and you are solving the issue with XXXX? 
I deserve a professional quality of you help. Not life of our situation and telling what was my transaction and with are my balance and deposit and you refund the issue with XXXX. I ca n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: ComplaintDescription of the complaintMy name is XXXX XXXX. Suntrust took XXXX dollars from me and then refunded it saying that it was a bank era for overdraft protection. Two days later they took XXXX dollars from me although I had XXXX in savings. They refused to refund my money! This is not the first time I have had a problem with suntrust for the same reason. They told me that my savings account was. Loses due to federal regulations and then turned right around and said that all of my money was in savings. What savings account? I went into a branch soon after and withdrew all of my money and had to close my savings account even though they told me it was already closed. This bank is a scam. The only way they make money is by charging you unnecessary fees. This bank has taken my money several times for overdraft and every time I have been refunded I have requested that I be signed up for protection and no notes In there system for it. This bank is draining me and they offer no assistance! Can you please help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a closed credit card with Navy Federal Credit Union. I have been paying on my card for over two years now on time every month. The credit balance is not increasing correctly and my debt balance is not going down. I called Navy federal twice and they dismissed my complaint by saying the money is going towards the APR. It looks like they are just taking all of my money and none of the money is going towards paying the balance down. My credit score is very poor now and they keep reporting my card as not paid up or on time in which I've correctly did both. I need help in fixing this and do not know who to speak to..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MST Financial Services, L.L.C. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I will get anywhere from one to 30 calls a day from chapman financial. I have told them not to call during work hours and I will still get calls during business. They have called as early as XXXX and as late as XXXX. I have also missed their calls only to have between 3 and ten calls in less than 5 minutes from the same number with no voicemail. I have explained my situation of paying 2000 in bills a month but make XXXX, and have to have gas and food with nothing left to pay them.

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 11-06-2016 about Student loan (Federal student loan servicing) with ACS Education Services (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: ACS servicer/ XXXX  for my student loan is reporting my account in COLLECTION . ACS Inc. is th e student loan servicer for  XXXX .  ACS  is reporting to   XXXX   and  XXXX  that my account is not just late but in COLLECTION.   1. During the time fram e   XXXX      XXXX    m y loans were being consolidated.   2. I worked with  XXXX   XXXX  to correct this information which was not corrected by ACS to the credit bureaus.  XXXX   XXXX  requested 6+ times for this information to be verified and corrected.   3. These request were made at least 1 year ago - yet  ACS  has not verified nor corrected information.   I have attached : Loan consolidation document from ACS, current  ACS  account information,  XXXX    XXXX   document requests ( which had no responses ), an d   XXXX   XXXX   credit reporting s howing information reported to credit bureaus  XXXX / XXXX / XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have several medical collections due to my sons XXXX presently and before during the time of his birth. There are only a few that are not connected to my XXXX year old son. My question is this : When a person has medical collections, is it proper to have them placed negatively on your credit bureau account? Ive been told by several people that my medical that should not be placed on my personal credit account. I will be making more attempts now to pay off my medical collections, but at the same time I dont feel it should damage my credit score. Can you clarify that for me please? Thank you very much.

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 01-11-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Loan modification,collection,foreclosure

Complaint: we applied for a mortgage loan modification back on XXXX XXXX XXXX XXXX was the owner of my loan, after XXXX denials they transfer my loan to RoundPoint now round point has approve a modification of the loan but I do n't think it is a fair XXXX, they lower XXXX to the principal balance witch I appreciate but we owed around XXXX XXXX dollars over the value of the house and they are giving us an interest rate of XXXX, the only income to the house hold is thru my husband`s work, so he would have to work over time to be able to make this payments and over time is not always there, and even if it was my husband is a XXXX XXXX XXXX we would finish paying the loan in XXXX is he going to be able to work as a XXXX that long. we bought this house in XXXX and we will finish in XXXX how is this fair

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via my son.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.

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 09/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: hundreds of people are being screwed by Green Tree/DitechDitech has forgotten to pay our taxes and now insist that we pay a higher mortgage payment.. 
They also hold our extra payments in limbo not crediting them to our accountsWE did NOT choose this lender most of us had our accounts SOLD without our Permission!!! 
wheres the law protecting the innocent people from theses scamming sharks..THEY ARE DESTROYING OUR LIVES ... WHERES THE LAW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Please be advised ; Credit card Company sold my Account to 3rd party ... after my bankruptcy discharge. Now 3rd party has put remarks on my credit report as of XXXX. The discharge was XX/XX/XXXX. Be aware, keep your report updated. This is illegal to do against Consumer. Bankruptcy laws, very specific, you can not keep hammering the consumer after the fact. All and any debt, notifications, phones calls, mail, any type of contact or harassment by the debtor is forbidden, even posting remarks on credit report. Read the Bankruptcy laws credit card Companies and smarten up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered   credit score.
I disputed these two accoun  ts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and  XXXX  to no avail. To date,  Midland Funding  has continued to ignore my requests for validation and ignore my consumer rights.     I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I   have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted.     Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts?     I have not received any correspondence for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report 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 non-monetary relief
Consumer complaint received 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: JP Morgan Chase Bank rejected refinance of current Predatory JP Morgan Chase Bank Loan citing Mortgage payments were made in cash and thus in violation of Chase policy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX  account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

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 03/22/2015 about Bank account or service (Other bank product/service) with BANK OF THE WEST (NE).
Issue: Account opening, closing, or management

Complaint: When my wife and I tried applying for a loan, the loan officer informed me that on my credit report there were XXXX different collection account for Bank of the West listed. The XXXX shows account name unknown with XXXX balance states unpaid and consumer disagrees. XXXX is listed as XXXX XXXX XXXX XXXXBank of the West with a balance of {$180.00} that supposly was turned over to collection XXXX. I have attempted to gain information related to XXXX of these accounts with no luck not even sure what branch these transaction took place at and I was told without a account number for reference it would be difficult to figure it out since my XXXX number did not pull any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has not provided me with a written determination of appeal from their Appeals Department for the XXXX 2012 MHA HAMP timely appeal request. Bank of America has only informed me unofficially of their claim of a determination over the telephone, but have refused to provide the Bank of America Appeals Department determination to date. 
While I am in possession of Bank of America internal Appeal Report document and documentation issued by the Bank of America Appeals Department and uploaded to the borrower Home Loan Modification Status iportal, this does not satisfy the requirement set forth in Regulation X and California Civil Code 2920 - 2944.10.

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