milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

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 01/23/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX 2018, I arrived home to find a notice posted on the front of my door. It was in plain view for anyone to read ( I live in a townhome ). The notice stated that my property was found to be vacant and threatened to rekey/winterize the property if I did n't contact XXXX XXXX XXXX within three days of the date of the notice. The Company 's name is XXXX XXXX XXXX, XXXX. I called their offices today and spoke with XXXX who advised me that they were requested to inspect my property by my mortgage service company, Mr. Cooper ( formerly NationStar ). I advised XXXX that my property is not vacant and that I was very upset by the way the notice was publicly posted and with threatening language.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (WA).
Issue: Settlement process and costs

Complaint: M & T Bank excessive delay with loan modification agreement documents not being recorded though the bank says they have. Its been 4 month now since modification has been signed, approved and notarized. M & T Bank says paperwork was sent for recording on XXXX XXXX but the recording office still says nothing has been recorded as of XXXX XXXX, 2015. Loan number XXXX, mod signed XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : XXXX Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : 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 non-monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Experian Has ignored my request to provide me with documentation that their company has on file that were used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) under the FCRA, they are required to promptly deleteall info that can not be verified. Please resolve this matter. 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 01/20/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, XXXX I received an alert from the credit monitoring service that I use advising that a new account had appeared on my Equifax credit report. When I logged in to review the alert I was also informed that Equifax had removed XXXX accounts from my credit report and added the new account. I find it strange that on the same day that I have a new positive account reporting in the amount of {$19000.00} that Equifax would removed XXXX positive accounts bringing my credit score down by XXXX points, this also affected my account age history as well. XXXX - closed account was removed, XXXX XXXX - closed account was removed, XXXX, - closed account was removed, XXXX XXXX Bank - closed account was removed, XXXX - last payment XXXX XXXX was removed, XXXX XXXX Bank - closed account last payment XXXX XXXX was removed, XXXX XXXX - closed account last payment XXXX XXXX was removed. All of these accounts were in good standing and should have not been removed. The removal is an effort by Equifax to keep low credit scores low. This type of behavior has to stop!!!!!!!! I work hard and I pay my bills in an effort to increase my credit score and I should not have to be attached by a company that is suppose to be neutral. I contacted Equifax immediately to discuss the concern. The representative and then the supervisor both told me that no accounts had been removed. I then requested the supervisor to review a report from last week and compare it to the current report. The supervisor advised me that they can only see the current report and not past information. There was also language barriers that made dealing with both representatives difficult. This is another complaint that I have with Equifax, how can you outsource a job to individuals that do not have a full range of English comprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have notified the following credit bureaus they are reporting these fraudulent accounts that are a result of identity theft ; XXXX XXXX XXXX # XXXX with Experian and XXXX XXXX XXXX XXXX XXXX # XXXX with XXXX XXXX. I have supplied the Credit Bureaus with my dispute letter detailing the accounts that are fraudulent and were created by someone who used my personal information and identity for fraudulent services and financial gain. I also detailed in my letter, describing how it was not possible to create these accounts because I no longer was in the state the account and contract was created in. I also disclosed to the credit bureaus the suspects who forged my signature and used my personal information are XXXX XXXX and her associate XXXX XXXX. I believe they used my personal information and created these accounts, as they had access to my personal documents. I filed an identity theft police report with the police department, notarized Federal Trade Commission ID Theft Affidavit, and disputed the fraudulent accounts, supplemented with a copy of my drivers license, social security card and utility bill. I ensured my letter had my current address in the letterhead, date of birth and social security number. The Credit Bureaus failed to give a reasonable investigation to my disputes. If they did, they would have observed I provided abundant information to support my dispute and claim. I am a victim of identity theft and these accounts are created by the theft.

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 08/17/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A relative used my social security number without any Identification for medical help. I disputed this collection 6 months ago and it was deleted from all three credit bureaus. Medical Data Systems has once again added the same collection to my credit report.

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 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I applied for American Express credit card online 2015 which was never sent via mail. I got in touch with American Express to find out if I was approved, they said they sent a card, I told them I never received it, they said they would send another card, which I never received. I did n't receive anything from American Express until a year later for a charge of XXXX $ for apparently being a member. I never used any service with them, or receive the credit card via mail. I called them about the charge and let them know I never received the card or used any of their service so they should cancel the account and remove the XXXX $ charge which they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: its been XXXX mths and i havent hear one word

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (NJ).
Issue: Trouble during payment process

Complaint: On or about  XXXX   XXXX  ,2017 we ha d water damage due to a storm in our area, we submitted a claim to our insurance company and the  XXXX  came and looked at the damage and after a few days we received a check in the amount of {$3700.00} dated  XXXX   XXXX  ,2017 an d it was payable to my husband and the bank, which means it needs their endorsement. I called the customer service number to get the address and I spoke to  XXXX , she gave me the address and I mailed it. Two weeks later I got a phone call from the bank asking me for the copy of the  adjuster 's  report, when I questioned why they said it is policy and procedure,  XXXX  did not know this policy and procedure and as a result I still have my water damage. I mailed the copy of the report on  XXXX   XXXX ,  2017 till t his day I do not know if they received it because no one knows anything!!!! My water damage is getting worse but I ca n't fix it because I need my money! all the bank needs to do is endorse the check and mail it back to me I made several attempts to reach out to them and no one knows anything!!!!!! I want to solve this problem in a timely manner please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Money transfers (International money transfer) with USForex Inc. (MA).
Issue: Other transaction issues

Complaint: Hi, I initiated the fund of {$250.00} transfer at OFX to a bank in XXXX from US on XX/XX/2017 They have transferred the fund. 
After a week, the fund still did not arrive the account in XXXX, and I found out by calling to the bank in XXXX that I missed the last digit " 1 '' attached to the account number, thus it can not be received. 

I contacted OFX to correct the mistake on XX/XX/2017. 
They stated, it will be corrected in 2-3 business days. 

On XX/XX/XXXX, I found out the fund was still not received, and contacted OFX. 
They could not locate where the fund is, after 2 e-mails and 1 phone call. 

As of XX/XX/XXXX, they sill do not know what happened and where the fund is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Loan began XXXX 2009. Original note : XXXX. Appraised value : XXXX. Conventional loan. Never missed a payment, auto withdrawal from bank acct. I have contacted BofA numerous times over the last 6 yrs attempting to have the PMI dropped. Customer service has given me many different responses, including it will NEVER be done. Last person I spoke to 18 months ago told me to wait for about a year and my loan balance will then drop to less than 78 % of original amount, and it would AUTOMATICALLY be dropped. I waited 12 mo, called back, only to be told to wait a few more months. In the meantime, each call generated a letter to me advising me that I would need to have an appraisal done to have the PMI dropped, and that even then, the bank has the option to refuse to drop it. WHAT? What happened to the FEDERAL LAW that states the bank must terminate the PMI when the loan is less than 78 %? Today, I called AGAIN and was now told that the bank does NOT have to terminate it automatically, that I have to REQUEST it, and all they can do is send yet another letter telling me I need to pay $ XXXX for an appraisal that BofA may reject!! How can they get away with this? What I want is the PMI to be TERMINATED per Federal Law. I want reimbursed for any PMI they charged me for since the TIME my loan met the Federal Law requirement.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a XXXX XXXX credit inquiry on my credit report with equifax that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Spoke with mortgage compamy and they stated my mortgage payment would jump from {$1000.00} to {$1400.00} an increase of {$350.00}. which would have a financial impact on my life that I can not afford. When I spoke with them they stated my taxes had went from XXXX a year to XXXX a year. I spoke with the county tax office and they said that was not the case it olnlu increased a couple hundred dollars. Can you please help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am currently in the Income Based Repayment Plan and have been for several years. At the start of XX/XX/XXXX, my loan was serviced through XXXX. I recertified my Income Based Repayment application and was approved for a reduced payment of {$460.00} ( rounded ) in XX/XX/XXXX. My loan was transfered to XXXX later in XX/XX/XXXX. The first couple of payments came out of my account at the regular amount. Suddenly, starting in XX/XX/XXXX they increased to {$630.00}. I called to ask why and was told that there was an issue with transferring the paperwork, but they would work on sorting it out. I was advised to continue to make my payment at the higher amount to avoid delinquency. Come XX/XX/XXXX, it was still not resolved and I called again before the payment came out to check into the issue. Was told again that there were issues with the transfer and they were working on it. When it was resolved, I could request a refund for the overage that was withdrawn. XX/XX/XXXX, my payment has now increased to {$690.00}. When I called again to get a resolution, I was told that my IBR was not transferred and that is what the XXXX   had calculated my payment to be. I had already submitted a recertification in an attempt to facilitate a more rapid resolution and my new adjusted payment as calculated by XXXX was still signficiantly lower than the now {$690.00} I am being asked to pay. I have been very patient and have attempted to work with them, however at this point I am incredibly frustrated. I have paid more than {$560.00} over my calculated payment amount. The last rep informed me that no refund is due to me and that this is just where I am. Also since moving from XXXX, XXXX has told me that my prior payments to XXXX are not included towards my PSLF even though I have paid through XXXX 's auto deduction program my monthly payment consistently ever since starting the program. I asked for XXXX to please review my request for a second review and was told it would take 90 days. 90 days exhausted mid XX/XX/XXXX and I have not heard any response from them at this point. ( The attached documents were what I submitted for the IBR in XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: My social was used on a business credit card as the primary that was applied for in XX/XX/XXXX According to American Express there was no activity on the card for 9 years. In XX/XX/XXXX a XXXX card was sent by American Express to the owner of the company. The owner activated the card and proceeded to charge more than {$31000.00} too that card. I only found out about the card in XX/XX/XXXX when American Express called me looking for payment. I have no ownership or partnership in this company and have not worked there for the past 9 years. American Express keeps calling me and not the owner of the company who did all the actual charging. I have called American Express several times to get no where. Also if you look at the bill when it came in it has the company name listed XXXX and the my name XXXX as the owner of a company would you not question that?? 
I filed several fraud complaints with American Express and they say they can do nothing about it. Yet i have asked for a copy of the application and they can not provide me with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX did a hard pull on my credit report without my authorization.

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 09-10-2016 about Debt collection (Medical) with Certified Services, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was charged an XXXX bill for XXXX in which this service was covered by my insurance and was covered in my plan and should not have resulted in a debt. I have been continuously contacted regarding this {$1800.00} bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Medical) with Central Portfolio Control Inc. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company started calling me about a debt from XXXX of 2015. I said all those bills were paid and the lady was very rude twisting my words and saying I was refusing to pay and being deceptive and uncooperative. I told her I needed something in writing, this was the first I 'd heard any bills were unpaid in over XXXX and I was n't going to pay some random person over the phone. I needed something in writing with dates, service provided, costs, etc. She said a letter was mailed a few weeks back and months later I still have no letter, I 've asked her and her supervisor to send me something in writing and I 've never received anything. She calls my work and my cell constantly and is very rude. If this is a legit company, then they should be able to mail me something in writing. And if not, then they need to stop calling. If I owed anything back in 2015, would n't the hospital have called me? There are too many scams out there to give a company I 've never heard of my credit card information for a bill I do n't know about, especially when they refuse to send me anything in writing.

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 08/18/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from " XXXX '' and a " XXXX XXXX '', regarding an old XXXX credit card that was charged off in XXXX and then I settled with a collection agency in XXXX. He threatened to freeze my bank accounts, flag my vehicle plates and told me that if I were in the vehicle that I would get arrested. I faxed him a letter from XXXX stating that I entered a settlement and he told me that he was going to press charges against me for fraud. He spoke to my husband about this debt and that I was a horrible wife for racking up debt while he was off fighting a war.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed