milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am providing you with my former employers  EIN numbers received from social security. In  XX/XX/XXXX . I worked for   XXXX   XXXX  . From  XX/XX/XXXX - XX/XX/XXXX  I was employed with   XXXX   XXXX  . I was employed with   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX . Their EIN # is  XXXX . I was employed with   XXXX   XXXX   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX .Their EIN  # is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased.  XXXX  is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.

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 08/26/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: Hi my Name is XXXX XXXX I received a call from capital one 360, he was trying to collect a debt which he said was past due of XXXX or XXXX and last XXXX payments were on time..This is a check debit card the balance is {$210.00} it was over XXXX. this is the first time this has .also he said i was XXXX days behind. i need help. thank you account XXXX the phone where they called from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: CHASE mortgage offers all kinds of alert features, that can be sent to customers via phone email ; HOWEVER, they DO NOT offer customers the option to schedule alerts for payments for that are late, at least until after they can charge you a late fee ( i.e. after the grace period ). This of course would be easy to provide by writing a few lines of code. But no. Instead, they will only alert the account holder until AFTER they can charge a late fee. No other financial services company I use does not offer a pre-penalty alert feature. No one. Chase should be ashamed of this obvious tactic to fleece its customers of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (MT).
Issue: Struggling to pay mortgage

Complaint: It has now been 2 years since our house o has foreclosed. We continue to work hard to improve our credit and save money so that one day we will be able to purchase another home for our family. US Bank was the the second lien on my house. I continue to get statements from them that I owe {$47000.00} and my minimum payment {$15000.00}. During the foreclosure process in 2015 we had several conversations with US Bank and tried a short sale that did not go through. They stated if that did not go through then with the FHA Loan we had the foreclosure monies would be divided with the first and second lien holder. A lot of communication short falls and lack of follow thru with US bank has resulted. I have called and spoke with US Bank over 50 times in the last year and a half. I have told Us Bank several times I needed to know how and why I owe this amount. No one seems to know and they send me to several different departs with in US Bank. They have stated to me that they would contact me when they had a answer. This has not happened and I still have no answers. Well that has been the case since the foreclosure. We have contacted them multiple times and they never get back to us. They continue to send a statement every month with a past amount due and that is it. The overdue payment shows up on our credit report. It has been 2 years and US bank is very difficult to work with. They have not gone as far as demanding any payment or anything like that, they just send a monthly statement? This has hurt my credit report and has put very much stress on my family and I. Thanks

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 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: WHY MY PAYMENTS FOR XXXX ARE NOT BEING REPORTED CALL XXXX TO MAKE A COMPLIANT AND THEY STILL ARE NOT REPORTING WHEN I PAY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my husband and I bought our house. Our loan was through XXXX XXXX XXXX and our escrow payment was set to include enough for our homeowner 's insurance. XXXX XXXX XXXX paid those homeowner 's insurance bills for XXXX and XXXX. In XXXX XXXX our loan was sold to Carrington Mortgage, who also raised our payments. Our escrow was supposed to carry over and continue to accrue enough for homeowner 's insurance. I recently was in my account online and saw that it said we had no escrow for our homeowner 's insurance. Come to find out that, for whatever reason, this was not carried over like it should have been. Now I am faced with an almost XXXX dollar homeowner 's insurance bill that is due in a month that I was obviously unprepared for because I thought that my mortgage company would continue to put aside money in escrow for it.

Company response to consumer: Closed
Consumer complaint received 01/27/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease

Complaint: I have received calls daily from Hyundai/Kia financing. I have never purchased either of those vehicles, nor financed through them. I called them XXXX, to straighten everything out, and was told I would n't receive any more calls. I received a call on XXXX. I feel they are trying to harass to collect a debt, however they are calling the wrong person.

Company response to consumer: Closed
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with Accounts Receivable Consultants Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: A creditor came to my place of employment at the bank and threaten to sue me if I did not pay back my private loan from XXXX XXXX College in XXXX Texas. I know this is clearly against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a complain with the Consumer Finance Protection Bureau already ( Complaint ID XXXX ). Transunion responded to the complaint that they had filed an investigation when in fact they did NOT file an investigation. I had to go on to their web site today and manually file an investigation. TransUnion continues to inaccurately report two bankruptcies on my credit profile that should not be there. Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy that both belong to another XXXX XXXX. I have sent in the appropriate documentation ( Also attached to this complaint ) proving my whereabouts and address as well as showing my correct identification. Transunion needs to delete these inaccurate records completely.

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 08-10-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The debt has an agreement to be paid by paying XXXX dollars monthly until paid in full. I have been paying in good faith for over 3 years why are they still reporting it as a mark against me instead of reporting current in payments or something. I went into bankruptcy court to attempt to deal with my debt. Judge wanted me to pay at the time more than I could afford he wanted approx. XXXX monthly payments I could not cover that in XXXX since then I have paid all my debts or settled them. This is the last XXXX I owe. What can I do to encourage recovery to place a good faith report as I have done a good faith effort to pay in the past few years. 
?

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP 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: I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: Hi, I am really disappointed with Bank of America XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Bank of America. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the bank of america customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by bank of america, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing , LLC. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with POPULAR BANK (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.

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 05-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX XXXX provided my personal information to a third party without written or verbal consent. They sent my information to CMRE collection agency. They are in violation of XXXX laws.

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 12/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'd like to dispute all of the credit inquiries on XXXX my Transunion report and my XXXX report. I have XXXX on Transunion and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have XXXX loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All XXXX show closed with a {$0.00} balance.

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 07-07-2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Billing statement

Complaint: HelloMy name is XXXX XXXX am account holder of Care Credit/Synchrony BankMy account number - XXXX XXXX XXXX XXXXThe Customer Service in this bank is the worst I 've ever know since I 've started to use the credit cards. 
So are the rules. 
My credit line was originally approved for $ XXXX always pay in a timely manner. 
Suddenly with absolutely no reason, I 've received the letter from the customer service, that my credit line was decreased a half! Till {$1500.00}! 
At that point I was in process to do expensive dental work, and relied on this available credit. 
As a result, I 've lost a great deal of money and was embarrassed in from of my doctor. 
Next nightmare I was experienced a few days ago, when I 've received my monthly bill. 
The bill looked as a letter from the mental hospital. 
The billing department stated that I 've paid my monthly charge in the amount of {$43.00}, but the next line says that I 've missed the payment???!!!!! 
As the result, they want me to pay TWICE the same amount that I 've already paid from my checking account ( as I always pay, every month ) + the late fee in the amount of {$38.00}!!!! 
When I 've call your customer service and asked what is it going on, I 've receive the idiotic answer, that my account did n't have enough money to pay it and the payment was not made. 
I verified with my XXXX XXXX XXXX customer service representative and realize that it was a bold lie from your customer service. 
On XXXX XXXX I 've received my regular XXXX check, and my account balance was over {$1500.00}. 
On the top of all this ridiculous unprofessional stupidity, your answering service is terrible. 
Please call and check. 
Any option you select, the machine says : '' I still do n't understand it! " Finally checking today the balance on my account, I understood that you need a good audit- Big Time! 
Your recording told me : '' Thank you for your payment of {$43.00} on XXXX XXXX. Your next payment is XXXX XXXX. 
Your minimum amount due is {$110.00}, since we did n't receive your XXXX XXXX payment!!!!!!!!!!!!!!!!!!!!! \So you have to pay for XXXX ( twice ) and XXXX + late fee!!!!!!!!!!!!!!!!!! 
I was unsuccessfully, trying today to reach you customer service representative, but in vain. 
Your answering service is a broken record, and did n't let me talk to the representative. 
I 've lost a great deal of time already because of this nonsense and not going to make any more payments, till you stop to bill me wrong and apologize for the all your wrongdoing to me. 
I am going to complain to XXXX, XXXX, XXXX, media etc. 
YOU ARE CHARGING THE TREMENDOUS PERCENTAGE FOR YOUR LOUSY SERVICES AND UNPROFESSIONAL PRESENTATION, SO YOU MUST BE HOLD ACCOUNTABLE, AND YOU WILL. 
XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: . When I requested the same information from the XXXX XXXX XXXX Business account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX Dollars debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX-XXXXK Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XX/XX/XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.

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 01/17/2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX turned account to Bull City Financial before my Insurance co. settled account. I paid account in full nearly 2 years ago. {$62.00}. I contacted XXXX XXXX 3 times about attempts from Bull City for collection. They stated the would rectify account to remove from my credit report. I tried contacting Bull City ... ..no response and still showing on my credit report despite being paid.

Company response to consumer: Closed