milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Had a dispute with XXXX that was supposed to have been corrected on my Experian report. When i received my report from Experian, the report is all wrong. A lot of items in the report are not mine, they belong to my DECEASED father. My deceased father and I have the same name, however the reporting is supposed to be reported by social security number. I AM UNABLE TO CONTACT EXPERIAN. Nobody answers the phone, it goes straight to a computer prompt and will not let me connect with a live person. I CAN NOT DISPUTE ONLINE, EXPERIAN SYSTEM WONT LET ME. IT KEEPS STATING INCORRECT INFORMATION. The lack of their correct reporting is costing me and has the potential to cost me a lot of money. This is unfair. I, and other people, should be able to contact this company as it directly affects a persons life. If they have the ability to directly affect ones quality of life, they should be required to have live staff answer the telephone to take care of problems with dispute filing. 
Experian also has XXXX Estate ' listed on this report. The Estate of my deceased father has nothing to do with MY report. Experian also has numerous addresses that have nothing to do with me. They have my Mothers new address and also list the address of my deceased fathers deceased girlfriend. None of this has anything tot do with me or my report, but can and is negatively affecting me. I NEED TO GET THIS FIXED A.SA.P as I am looking into the purchase of a new home and this is hurting my score and has the potential to cost me XXXX of dollars and/or generate denials from lenders. 
I have had many problems with this company and I am sure I am not alone. Somebody needs to look into Experian and their deceptive business practices.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX years old female who hold a conventional fixed mortgage with Bank of America. I have lived at XXXX XXXX XXXX XXXX, XXXX, NY XXXX my primary residence since 1997. The interest on my mortgage XXXX. XXXX has been 7.37 %. Over the past 5 years I have requested a modification to reduce the interest and payments. I have completed forms and submitted at least XXXX packages. Over and over it goes. A former consultant at NY XXXX XXXX woman XXXX XXXX who was helping people like me submitted a document informing Bank America that during this process I will be submitting the escrow payment monthly. My status moved from being full time XXXX to a retiree whose income now is primarily XXXX, some annuity disbursement since I am now retired. I have submitted hardship documents over and over. Still without success. When I was fully employed I was told that my income was too high. Now that I am retired, I do accept part time assignments to teach when these are given. Last semester I XXXX XXXX classes. This semester I received none. However, I am still able to pay the escrow. I have worked and saved all my working life to retire and live though at a different level. I live prudently and frugally. Each time I believe I am making headway in the process the consultant is changed as well as their location which makes me wonder whether documentation sent to XXXX is transferred to the next XXXX. This makes me have doubts about the process. I do not think it is honest. The most recent consultant made it clear that applying and completing documents offers no guarantee for success. Does it then mean that I am engaged in a process destined for frustration. Does it mean that this is a cruel game intended to oppress and frustrate me so that I will just give up and do a short sale and turn over the major asset of my life to Bank America? Our Government readily helped Bank America to survive with a quick bailout. I do not see any reciprocation when the CEO 's still get big bonuses and the little people get squeezed and oppressed. I am so thankful for now XXXX XXXX for understanding the plight of little people and little elderly people like me.. Yesterday I faxed the document XXXX verification benefit award letter to XXXX XXXX XXXX to her, Today Im telephone about its non receipt even though another mailing admits receipt of document. The process needs to be more humane -- not terrifying by more than XXXX computerized program just beating and beating and beating ones mind to drive them out of their homes and leave it for Bank America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/13/2015 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Credit card protection / Debt protection

Complaint: Inconsistent communications Long telephone wait times Long or no responses to inquires Erroneous system documentation of caller issues Improper responses to inquiries Non-response to inquiries as promised by supervisors ( i.e. XXXX on XXXX/XXXX/15 ) Improper handling of request for assistance regarding forgotten account passcode Non communication of fraud alert placed on my account/not allowing me to address this concern via telephone due to forgotten/misplaced passcodeAccess to bank card services representatives has been restricted for over 30 days due to forgotten passcode. Card purchases have been denied and I have been unable to communicate via telephone to card services regarding any activities on my account because I can not provide the passcode. 

On XXXX XXXX, 2015, I communicated to TD Card Services that I could not remember my passcode. During this conversation I was informed that unless I provided the passcode I could not speak to a representative about the account. Upon request I was transferred to a supervisor who provided the documentation required to request the removal of the passcode from my account. Fax to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015, provided photo ID and two mailings with my address to confirm my identity as stated by supervisor XXXX s ) of TD Card Services. In follow-up to fax submission, I spoke with XXXX, around XXXX XXXX XXXX, who stated that she would follow up with me by calling on or before Wednesday, XXXX XXXX, 2015. 

I did not receive a call from XXXX on XXXX XXXX, 2015, and when I contacted card services, today, I was informed by XXXX, floor supervisor that ( 1 ) systems reflects I called on XXXX/XXXX/15 and ( 2 ) proof of address was required because the system ( XXXX ) reflects that I had not received correspondences. In informed XXXX that ( 1 ) I had not contacted the card services/bank on XXXX/XXXX/15, and ( 2 ) proof of address was sent in a correspondence/fax on XXXX/XXXX/15. Additionally the matter is " forgotten passcode '' and the issue of not receiving correspondences from TD Bank is moot because one of the mailings to prove identity was from TD Bank, and not the reason for contacting the bank on XXXX/XXXX/15. 

I have been unable to use my credit card for over two-weeks and there are charges appearing on my account, which I can view online, that are questionable but I am unable to speak with a representative about this concern because I forgot my passcode. 

Card services appears to be inefficiently managed with representatives miscommunicating, either not understanding the reason for contact or mis-documenting the reason for contact in the systems. Correspondence sent via fax has not be addressed as of this date, over 48 hours after contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (AL).
Issue: Application, originator, mortgage broker

Complaint: This is a complaint against Chase Mortgage, for both my primary home mortgage and my home equity that is still reporting on my credit report as negative. I held both a home equity and XXXX mortgage with Chase. I applied for a HAMP loan and my loan was soon put into foreclosure. I had sent in the large application packet probably about 10 or more times, with responses back from Chase that my documents were now " expired '', though they were valid upon submission. I even hand delivered my packet to a HAMP processing center in Colorado. 

There were many errors and false information about the HAMP process conveyed to me by Chase. The first of which I was advised by Chase representatives that the only way I would qualify for HAMP was to let my mortgages and equity line go into default. Another grievous error was that a phone representative marked my application as a " short sale '' though I never indicated I wanted to short sale my house. My whole point of applying for the HAMP loan was to make my payments more affordable. 

Due to the mishandling of my application, I later received a settlement of {$2000.00} from Chase as part of a class action lawsuit. They prolonged my HAMP application for nearly 2 years, whereby I incurred interest, stress, and the nearly two years of accrued unpaid mortgage payments, ( that I would not pay until I was assured I was indeed qualified and would not lose my home ). My modification was finally approved literally the week my house was to be put up for auction. 

Additionally, Chase turned over the servicing of my account to XXXX, who at first contested that I was HAMP approved. I had to fight and wait to know for certain my new loan payments under HAMP were being applied and I was truly no longer in foreclosure. I had been paying Chase, but when it was transferred to XXXX they did not have my Chase records for a long time, leaving me to believe I was never approved. XXXX kept telling me that had no records of my HAMP approval for CHASE, though I had already started paying on my trial period payments. 

As it stands I was able to remove the Chase Mortgage from most of my credit reports, but my Home Equity is still showing as derogatory on my credit reports and has the incorrect last date of payment, ( I did not make a payment in 2011 ), and other errors on the reported account. I would like all my past derogatory accounts with Chase Mortgage deleted from my accounts. Also, if there is any other compensation that I could receive for all the XXXX and time that Chase caused me over the years stalling the HAMP process, I would like to know. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: My name is XXXX XXXX XXXX and in XXXX of 2015, I applied for a loan with Cashnet USA. I applied because, I desperately needed the money to help save my home. It did n't help because I eventually, lost my home anyway. I feel like I 'm being taken advantage of. I did n't realize that my interest payments were 24 %, but, it would not have mattered because I needed the money. On a loan for {$800.00}, to date, Cashnet USA has taken out {$2400.00} dollars from my account. I am asking that CFPB investigate this matter and issue a cease and desist order to Cashnet USA to stop debiting my account. As of today, XXXX XXXX, I owe them {$100.00} and a balance of {$340.00} dollars. At this rate, I will never be able to pay this money back, when in fact, I 've already paid them three-fold. I must add, that I am a XXXX. Please help, I am about to become homeless.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection posted in my credit report Trans Union from XXXX account # XXXX for the amount of {$650.00}, I contact them and ask for copy of original documents, I dont have knowledge that this account belongs to me. I ask several times to TransUnion and XXXX Company to investigate this account but I only receive for answer that this account belongs to me.. How I know is mine, the company never provide a proof, any receipt or document sign for me. I Request of Production but they failed to send me those documents.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Credit Reporting agency failed to protect and keep secure my personal information allowing it to fall into the hands of unknown individuals. In addition Equifax failed to notify and report the breach in a timely manner to try and mitigate damage, instead allowing their stock holders to liquidate assets before the company took a hit. 
Rather than fixing and owning up to the mistake, Equifax has created a website that is randomly generating yes no answers on whether the breach has affected you, and is offering monitoring service to keep your identity safe from Equifax itself.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: Made a bank to bank transfer due to insufficient funds so that I would not be charged with an overdraft fee. I called to let them know the transfer wont make it on time and she said to call back once the transaction is listed in the history so that they can waive the fee. I call back once the transfer appears on the history and the representative on the phone say 's theres no way for me to have the overdraft fee waived. At this point I am not upset about the fee but at the fact that the XXXX representative told me specifically to wait until it shows up on my card history of the bank transfer so that they can waive the fee. At this point, me waiting for the fee to show up, had costed me an additional overdraft fee which Is now unnecessary additional money I had to pay out of my pocket. I am upset that each individual representative that i spoke to over the phone denies any liabilities when it comes to what they say. It is a reflection of a dishonest company where each representative does not want to take responsibility for what has been said. I will soon close my account with M & T bank soon due to their lack of diligence in this matter and their obvious greed to generate revenues from overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Account Resolution Corporation (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: While reviewing my credit reports in XXXX, I discovered a collection account for Account Resolution Corporation on behalf of XXXX XXXX XXXX. I had never received a bill from either XXXX XXXX XXXX or Account Resolution Corp, so I contacted Account Resolution Corp via certified mail requesting validation of my obligation. Account Resolution not only failed to mark the item as disputed on all XXXX reports in the required 30 days, but also responded with copies of a bill with my name listing procedures and a form supposedly signed by me. The signed form gave permission to release records to XXXX entities only ( entities responsible for payment and government agencies for the purposes of determining eligibility for government benefits ), yet XXXX XXXX XXXX released records to Account Resolutions Corp who is neither financially responsible nor a government agency. This is a violation of my rights and permission was not given to provide personal information regarding my health to a collection agency. 

In summary, the original bill was never received from the original provider. A bill and/or right to dispute was never received from the collection agency, and to validate this debt, my personal information was given to a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. ICOMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I almost lost my home due to foreclosure. I applied for a modification threw XXXX XXXX. My XXXX mortgage. Then they sold to XXXX XXXX XXXX during the process. Fee 's were tacked on from lawyer Fee 's to administration Fee 's as well as a higher interest rate. My XXXX mortgage followed suit, Green tree. Green Tree bought my XXXX mortgage from XXXX XXXX. After fighting with XXXX XXXX XXXX for years I contacted HUD urban housing in XXXX N.H., XXXX XXXX was my contact. Around XX/XX/XXXX he got me a new loan modification threw XXXX XXXX XXXX threw the HAMP program. Green tree was supposed to follow suit but did n't. They have given me the run around for years and caused my credit problems to late payments of my XXXX mortgage. My original XXXX mortgage was {$400.00} a month. My current XXXX mortgage payment is {$770.00} at 9.25 % interest under there modification payment and interest doubled. Also the principle increased. They insist it is not there fault and XXXX XXXX is the lender. I have contacted XXXX XXXX and they are NOT the lender. Green tree also just became Ditch. Any help or would be appreciated. 
XXXX N.H.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for  {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I would like to thank you in advance for expediting any assistance you can render as the property of which I am writing is scheduled for Foreclosure sale on XXXX XXXX, XXXX. Suffice it to say -- - I am in dire need of assistance. 
As mentioned, my name is XXXX XXXX. In XXXX my mother, XXXX XXXX, who is near XXXX years of age took out a reverse loan on her property - XXXX XXXX XXXX XXXX XXXX, MD XXXX. Unfortunately, she did not pay the taxes and her home was purchased in a tax sale by Champion Mortgage. When Champion Mortgage could not get their money for the taxes they went to court and had my name added to the loan. Thereby making me liable.The property is scheduled to Foreclose on XXXX XXXX. It was recommended that my mother file bankruptcy to stop the foreclosure. What else can we do? I am very troubled by all this as I do not want to file bankruptcy, In fact, I do not believe my name should be on the loan. Please help. My Real Estate Agent - XXXX XXXX at XXXX My mother - XXXX XXXX - XXXX and my number XXXX -- Please leave a message and I 'll call you back immediately. I am working and would have to find somewhere to talk in private.

Company response to consumer: Closed
Consumer complaint received 10-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I purchased a hot water heater from Home Depot. At the time of purchase, it was a special promotional offer, no interest if the balance on the item was paid off within a specific time. I made a payment on my regular balance, and wrote a separate check to be applied to the promotional balance only. They did not apply the second check to any of the promotional balance. I have called them twice, requesting that they do so, and they have told me yes, they would change it, but they have not. On the most recent call I made, I was told the change would show up on my next statement, which would put it past the promotional offer payoff limit, and they would then charge me back interest. This is unacceptable, and should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation