milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. 

I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. 

In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. 

For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. 

Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. 

Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. 

I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. 
Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My Identity was stolen. The person who stole my identity went to the ER in Georgia ( XXXX Hospital ) and got a {$220.00} bill that was not paid. I sent a copy of the police report. Collections is still reporting to the credit 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 explanation
Consumer complaint received 04-09-2016 about Debt collection (I do not know) with The Law Offices of Mitchell D. Bluhm & Associates (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The caller states that they are recording the call and they are calling from the Law Offices of Mitchell Bluhm. They present a birth date and ask me to verify it. During the first call, I stated I did not wish to be recorded and they hung up. During the second call, I told them I do not verify personal information to unknown callers and asked why I was being called. At that point, they terminated the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax deleted 3 collection accounts, then reinserted the accounts without my knowledge. Per FCRA, they must notify the Consumer 5 days prior before reinserting the collections. I was never notified therefore they are in violation. These 3 collections were closed and reinserted on the same day, XXXX/XXXX/2017. I disputed the accuracy of these accounts and they were removed, they should not have been reinserted back to my report. In the attachment below these are the exact same 3 accounts being removed and added back WITHOUT prior notification.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a Request For Modification ( RMA ) to PNC Mortgage. We fully completed their in-house RMA and the governments RMA form. When PNC Mortgage reviewed the documentation they denied the request on the basis that the non-borrower income was not allowed because they did not live in the subject property. The Borrower : XXXX, a XXXX and his daughter XXXX both attested that they reside in the property. They provided the water bill in XXXX XXXX 's name and the light ( XXXX ) bill also. The PNC Mortgage representative informed XXXX XXXX that his XXXX had to place the light bill ( XXXX ) in her name to prove occupancy. The XXXX bill was then placed in XXXX ( Daughter ) name. The certified non-borrower application was completed as well as the non-borrowers bank statement reflecting the subject property address. 
PNC Mortgage later denied the modification stating that the XXXX account had switched back and forth and the Non-Borrowers {$1200.00} contribution was not accepted because she does not live in the property. The fact is the Non-Borrower and the Borrower do live in the property. To add insult to injury, the Borrower attended a conciliatory mediation with the PNC Mortgage Analyst and legal counsel. The XXXX Judicial Circuit Court stated that ; " the banks representative must attend all mediations with full and complete settlement authority ''. At the conciliatory mediation the PNC Mortgage representative stated he had full and complete settlement authority. But at the end of the hour and a half discussions the PNC Mortgage Analyst declared that before he can make a final decision he has to review the file with the Investor for the loan and it could not take place now. When asked who the investor for the loan was? He stated ; " he did not know ''. That is not full and complete settlement authority. 
Unfortunately, there is no venue for borrowers such as XXXX XXXX to turn to in an effort to cure such flagrant disregard for the rights of borrowers like XXXX XXXX. It seems that at every turn PNC Mortgage changes the rules to confuse, delay and where down XXXX XXXX in an effort to foreclose on his home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is applying portions of my private student loan payments to each of my loans, with less money going to my highest interest loans, and more money going to my lowest interest loans, automatically. 

Also, they make it virtually impossible to deal with any issue. I have called tonight about this issue to get it resolved and spoken to XXXX different people and been on the phone for XXXXminutes. You are sent to the XXXX or XXXX, back to the U.S. and then to 2-3 people at least. It seems that they have intentionally structured their contact with customers in a way that makes it really difficult to make any changes to the account ( e.g. adjust payments so that they go to the highest interest loans before the lowest interest loans ) or to get answers from anyone. No one person can handle all of your issues. You have to be shuttled from one person to another and they will not interact via email, except statements and other generic emails. I have spoken to no fewer than XXXX people ( in and outside the country ) and have now just completed a XXXX minute call to get this resolved. Still, the issue is not resolved and they have to have someone call me back. They compartmentalize handling of any one particular issue so that their employees can not possibly see or find any issue with they way they do business because they ca n't possibly understand the big picture, as they only see XXXX small piece of it. 

Has anyone else had this issue concerning allocation of payments to lowest interest loans first? or had a similar issue with how they have constructed their customer interactions?

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: shows open status, but consolidated and closed. Please update, and inform credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, XXXX, I noticed a fraudulent transaction on my M & T checking account. I was charged {$1000.00} by a company I have never heard of called XXXX 's XXXX Fix. I immediately called the customer service line, and was told by the representative that the transaction did look suspicious, and that my card would be replaced, and the funds given back to me. 

On XXXX XXXX, I received a letter from M & T Bank, saying that the transaction was not fraudulent, and that they were taking the {$1000.00} back from me. 

I immediately called the customer service line, again, and was told that my card number, cvv, and signature were used in the transaction. Note that the card was not present for this fraud. The representative then told me to submit my work time verification, because I was at work on the day of the fraud, and an affidavit disputing the transaction. I was told if I did this then the case would be reopened. 

I had submitted the time sheets with a formal affidavit to dispute this fraudulent transaction, and have not heard from M & T Bank since. 

At the time of the fraudulent activity at XXXX 's XXXX Fix, I did not own a vehicle. M & T has since threatened to close my account and give me a " unsatisfactory '' on my record because the fraud has left my account negative. 

This transaction is not legitimate, my money was stolen, and M & T Bank is choosing to threaten and attack me because I am an individual. They have done nothing for me, and have sent me no reply since I have sent them the documents they have requested. Please help, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A third party contacted this debt collector ( Hunter Warfield ) on XXXX XXXX, 2015 by telephone at XXXX about my account. The employee at Hunter Warfield, who identified himself as XXXX, did not ask the caller to identify themself and assumed they were me ( the account holder ). XXXX discussed the amount I owe and threatened to report my debt as unpaid to credit reporting agencies based on his conversation with this person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been disputing a debt for many years with Portfolio Recovery Associates. I decided rather than dealing with their incorrect reporting and trying to resolve the issue with a company unwilling to ethically work with a consumer, I would pay the full amount they were collecting. I submitted a payment for {$1000.00} that I was told I owed since 2013. They withdrew only {$1000.00} from my bank account stating that they are not allowed to withdraw more than I owe and after further research the amount was different than what they had been trying to collect. My credit reports have shown the incorrect amount since 2013. The amount they had been collecting has been reported incorrectly for many years and has been disputed with all XXXX credit bureaus and verified with the words " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution '' added in the comments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company is robo calling my house early in the morning every 2 days for over 2 months. I am not the person they are calling, I am not related to the person, I do n't have nay idea who is the person they are calling. My answering machine clearly states my name. They only leave number to settle debt and that person has not way to have my number removed and states they only can talk to person who owes debt. The robo call does not leave any method to alert them that they are calling wrong number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have communicated with SWC XXXX several times via email and fax regarding XXXX frivolous account that was placed on my credit report. I told them that I do not owe this balance and provided a receipt from XXXX, which state that the balance is {$0.00}. 
I request the account be remove from my credit report effective immediately and they fail to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fair Collection & Outsourcing ( FCO ) placed an account ( XXXX ) on my credit reports in the amount of XXXX and sent me an offer on XX/XX/XXXX of XXXX to clear up this account. The first violation was that they placed this alleged account on my credit reports before they notified me in writing. On XX/XX/XXXX I requested validation of the alleged debt, with the foloowing : statemement which matches the balance being claimed, list of charger from the orginial creditor ( updated as of XX/XX/XXXX ), Proof that they are licensed and bonded as a Collection Agency in Maryland, when was the aprtment released. We never received all of the information requested ( see attachments ). XXXX stated that XXXX in there client but I contacted them and they said they have a new owner as of XX/XX/XXXX and any accounts prior to that is no longer there and to contact the Collection company. FCO is trying to collect on an alleged account that is Past the 3 year Statute of Limitation of debt collection in Maryland. The lease is n't signed with my signature by with a generated signature by has a signed signature by the apartment authorized representative. So if I was presented to receive keys then why is n't my signed signature of this document? And the statement has charges for rents in advance which is a violation if the apartment was released during that time. I pointed all these items out to XXXX with FCO. He stated that they received this alleged account on XX/XX/XXXX but its reporting on my credit reports as XX/XX/XXXX, he stated that they didnt start reporting it until XX/XX/XXXX but they started reporting it in XX/XX/XXXX which is violation. FCO has proof from a previous account with them XXXX that shows my signature and that I was living in another apartment at the time of this alleged lease.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: someone applied for credit / or tried applying for credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am seeking relief from the Navient Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.

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 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I reviewed my TransUnion credit report and TransUnion is allowing a charged off account, with the last payment date of XX/XX/2009 to remain on my account. The date of delinquency for this utility bill is clearly past 7 years. 

In good faith I filed a written dispute with TransUnion directly, as required under the FCRA to establish a private right of action. TransUnion only verified the amount as being correct and ignored the part of my dispute as it related to the stale reporting. 

I called TransUnion and they still refuse to comply with the FCRA, even after I advised them to please run XXXX through XXXX so they could see that my threat ( promise ) of a FCRA lawsuit should be taken seriously. 

I do not expect them to do the right thing, but the FCRA allows for punitive damages for a willful violation of the Act. I believe I will be able to meet that element with a direct written dispute, a telephone dispute, and a CFPB dispute. 

I am attaching a copy of the letter to TransUnion, which they ignored the actual subject matter of the letter. 

Please let me know if you need anything else. I will also forward you a copy of the Federal Complaint that I am filing. 

Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: on my credit report it shows that i have a open collection with MIDLAND FUNDING LLC for the amount of {$910.00} this was part of my Bankruptcy and should not be listed as open

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (CA).
Issue: Problem with customer service

Complaint: hello I 'm filing a complaint on company of citi a credit card company. three months back they gave me letter stating fraud took its place so they froze my account. the company wo n't activate my credit card and my account. 


so out of those three months I try to fix the problem butt the  workers in the manager who works for the company keep on giving me a run-around.I did n't contact the credit card company to use dear servicet they came to me.so now they want me to pay a credit card balance a balance that I did n't do. 
I answer all the security questions they ask me.and tell him I 'm dealing with another bank and they still wo n't activate my account.the company 's keep on telling me I 'm dealing with two agencies

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 monetary relief