milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXPERT GLOBAL SOLUTIONS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was  discharged   XXXX   XXXX .  XXXX  DBA   XXXX   XXXX   XXXX  was refinanced on  XXXX / XXXX / 2004 , while I was under   XXXX   XXXX  . The new loan is with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Other mortgage) with Synovus Bank (TN).
Issue: Settlement process and costs

Complaint: I purchased a building on XXXX XXXX in 2003. The property is deeded to me and I am a XXXX My son secured a line of credit using my property as collateral. He applied for the loan using his credit and income but used my property as collateral. He is a XXXX and the bank took the collateral without properly searching the title. I have a sales contract on the building and I am unable to close because XXXX Bank will not release the lien taken on my property. I have spoken to XXXX XXXX of XXXX XXXX and his supervisor. They keep stating they do not have a fraudulent loan. The loan made was not fraudulent however they allowed XXXX to pledge property as collateral which he has no ownership. The lien is invalid. XXXX XXXX will not give me any information about the loan and initially refused to speak to me because the loan is not in my name. Which is true and why they should not have taken my property as collateral. I am attaching the original deed to XXXX and the deed filed by XXXX Banking in XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Medical) with Credit Bureau of Twin Falls Inc (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I told Idaho Collection Bureau I could make $ 25 monthly payments at the time and we would revisit an amount in XXXX. They automatically set payment to {$50.00} with out the revisit. When I called XXXX to inform her I was not able to pay that amount she said I said, I said I could. I never said that. I told her I cant pay that amount and she it needs to be raised at the amount that is in there office. I said thank you and she hung up on me. I did not make that payment arrangement or agree to {$50.00} payments

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 been sending disputes and supporting documentation to Transunion for almo st two ye ars trying to fix incorrect information on my credit. I 'm filing this complaint because Transunion has had plenty of time to address my concerns but they have ignored my disputes and dismissed them as frivolous. Transunion is reporting that my closed  XXXX   XXXX  auto loan from   XXXX   was past due and is now a paid repossession. This could n't be farther from the truth. I never missed a payment on my  XXXX   XXXX  loan and I paid this account in full years ago. Transunion needs to report that my auto loan has been paid in full and closed. It was never delinquent and there was never a repossession. The account number for the account is :  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 explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use a smartphone service called XXXX XXXX which I have my bank account and debit card link to. XXXX XXXX requires updated information from my banking company Simple which is not providing updated information to XXXX. This forces me to not be able to use XXXX XXXX which needs to know if I received my payment on XX/XX/XXXX. Simple will not provide that information which is incredible frustrating. I never had this issue with XXXX and I 'm about to close my simple checking 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 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: This is a rebuttal - see enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been a member of XXXX for about 4 years. In XXXX, XXXX, when XXXX XXXX cards were no longer accepted at XXXX, I received a XXXX Anywhere XXXX from Citibank. I already had XXXX XXXX cards from XXXX other banks and I did n't want a third XXXX. On my next visit to XXXX, I asked the person at the customer service desk if they accepted any XXXX. The answer was yes, so I had a membership card made to use for shopping at XXXX. I asked him what I needed to do with the Citibank Visa and I was told since I had n't activated it, I did not have to do anything. 

In XXXX, XXXX, without my knowledge or permission, Citibank charged my XXXX membership dues to an account I thought did n't exist. I receive all of my bills paperless and online so if I received any mail from Citibank, I would have assumed it was junk. I also did not know this account existed. 

About a month or two ago I started receiving phone calls about my Citibank Costco account. Some of the people left messages that were spoken very fast, somewhat garbled and hard to understand. I assumed they were scams since I did not think I had a Citibank XXXX account. 

On the advice from my lawyer, I decided to call Citibank thinking I was reporting scam phone calls. I was shocked to find out this account had somehow been activated without my knowledge, as well as fees and late charges which totaled over {$300.00} from the original {$110.00} charged in XXXX. They were very willing to remove all of these charges which were late fee and interest except for the {$110.00}, which I paid from my checking account for the XXXX dues. 

I am trying to buy a home and these charges have dropped my XXXX XXXX from XXXX to below XXXX. I have been told by the loan XXXX all I need is a letter from Citibank stating they removed these fees from my account which will positively effect my XXXX XXXX. 
Citibank refuses to do this and will only state I have a zero balance. 

I am XXXX XXXX XXXX and have always had an excellent XXXX XXXX, pay all of my bills in a timely fashion including a different Citibank account I have had. 

I thought the reason a credit card has to be activated is to insure the correct person receives the card. The charge was made ten months after the card was sent to me and had never been activated. 

I do not understand how Citibank can remove charges but still claim my account is delinquent. 

I think this is fraudulent since they have removed fees but refuse to report to the credit bureaus this was their errot.

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 12/30/2016 about Mortgage (Conventional fixed mortgage) with Franklin Credit Management Corporation (WA).
Issue: Loan modification,collection,foreclosure

Complaint: My partner and I bought a house in the XXXX redevelopment area in XXXX, CO in XXXX. Right after we signed these mortgage documents, our loan was sold to XXXX. Unfortunately, our house was foreclosed in XXXX. We never received any documentation as to the loan being transferred to another company or any other subsequent companies. My partner filed Bankruptcy while we still lived in Colorado and I did not. We were told by the attorney that his bankruptcy would take care of my obligation. The only loan related to this house that appears on my credit report is the original XXXX loan. I find it suspicious that XXXX held the loan for 4 years and never once contacted me? And then the loan was transferred to XXXX in XXXX and they never contacted me for more than 4 years? It seems to me that they have failed in their process to notify me as the consumer of further debt obligations. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested validation of bankruptcy reference # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.

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 12/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Bank of America has taken advantage and manipulated my disable husband who has been unemployed since XXXX. Bank of America signed him up to a bogus insurance company call XXXX where you can only collect if you die in an accident. My husband has been under my insurance for the past 18 years. Bank of America has manipulated my XXXX husband and took advantage of a longstanding customer. We have been banking at Bank of America since XXXX, and to show how they appreciate our loyalty in XXXX they notice not much activity going on and began depleting our live saving. I am completely disgusted that they will take advantage of loyal customer. I am expecting this matter to rectify and all funds to be returned in full immediately. if not i will persued with my lawyer and expose Bank of America. I thank you for your help.

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 05/14/2015 about Debt collection (Payday loan) with Enhanced Acquisitions, LLC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: i took out a pay day loan in XX/XX/XXXX and could not pay it back with XXXX in XXXX sc in XX/XX/XXXX i get a call that from the XXXX and was told to talk to XXXX and he said i need to pay them or it would be a law sute in court i ask for proff to be sent to me in the us mail he said no we donot have to do that i then set up a payment plain to pay XXXX in XXXX payments i did the XXXX XXXX payment of XXXX and the last one was due in 2 weeks i could not do i get call from them on XX/XX/XXXX that my file was going to be sent over to sc for me to go to jail

Company response to consumer: Untimely response
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: The month of XX/XX/XXXX I discovered that Capital One had closed 2 of my credit cards due to Identity Theft that took place over the week of XX/XX/XXXX with fraudulent charges made, use of rubber payments to create more credit for them to use to make charges on my cards. Capital One closed these cards and reported it to the credit bureau 's as closed by them, but not for identity theft. I opened a fraud case with them which they have now closed stating it was not fraud, however it was. My SSN was stolen, I filed a police report with the XXXX Police Department in XXXX, NE. They did nothing in regards to my SSN or my credit cards being hacked into. 

It is VERY apparent that my cards were hacked into. However Capital One will not take blame for this, they will not reopen my cards, and they will no longer review this case as they have closed it apparently. I feel I have been failed by my local police department, the government, reporting bureau 's, and the credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: Information is missing that should be on the report

Complaint: equifax and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with MicroBilt / PRBC (formerly CL Verify) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I applied for a job with XXXX. They used Microbilt Corporation who is a credit report agency. 
I was told that I have an eviction on my record. My name is XXXX XXXX social security number is XXXX. 
They gave me a copy of the Eviction on my record. This Eviction has another person 's name as XXXX XXXX I 'm XXXX XXXX. But it shows my social security number on her Eviction. I never lived in the address that is XXXX XXXX XXXX XXXX XXXX, Wi XXXX. 
I found the owner her name is XXXX XXXX XXXX XXXX XXXX XXXX. After many attempts I finally was able to speak to her several times. I sent her a copy of my license and she checked her files and finally stated that I AM NOT THE PERSON who lived there. 
I called Microbilt Corporation XXXX and tried to give them this information, since they were the ones that XXXX use for credit information. But they said that it is not their problem. That all they do is get the information from the county where the Eviction was file at. I called the County of XXXX Wisconsin ( XXXX ) XXXX And they Also stated that first of all it was NOT ME and that they never put social security numbers on the Eviction record. 
My problem is with Microbilt Corporation. XXXX who are the ones that is reporting that I have an eviction and even with all the information I gave them, they wo n't help or delete this Eviction that has a different name XXXX XXXX ( my name is XXXX XXXX ) but ONLY THEY have my social security number associated with this person 's name. When I looked at my credit with XXXX XXXX, it shows that Microbilt Corporation did request my credit information. Can you please help me correct this? Having an Eviction on my record is very damaging and on top of this, IT 'S NOT MINE!! But when I try to give them my information, they are short with me and do n't want to deal with me.. They are very unprofessional. It almost seems like they are some sort of scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I would like to dispute ( AGAIN ) Portfolio Recovery Associates , LLC for the matter of {$420.00}, Original XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XX/XX/2015 to my credit report. Please correctly update you credit files and DELETE this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account XXXX times since XXXX and NOTHING has been done to correctly remove it from my name yet. It was scheduled for deletion, according to this letter, in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My name is  XXXX   XXXX .   Report number :  XXXX  I had received the credit report and I found out the Experian was missed my credit card record beginning from  XXXX ,  XXXX  till  XXXX ,  XXXX , since I was activated from  XXXX   XXXX   XXXX  card. The Experian gave me the report just shows from  XXXX   XXXX ,  XXXX  till now.   Please e-mail me at  XXXX  XXXX  XXXX  or send it to me at  XXXX   XXXX   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 explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harris and Harris called me two times, claiming I owe the Arizona Department of Revenue money, but they wo n't tell me why I owe them money or show me the paper trail of the debt. They refuse to send me all the documentation that supports this claim. They also claim that the Fair Debt Collection Practice Act does n't apply to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loans entered into short sale negotiations in XX/XX/XXXX ( all the while sending a foreclosure notice for XX/XX/XXXX sale date : 60 days ). We provided documentation as the home sold and entered into a Purchase Agreement on XX/XX/2016. The Realtor, XXXX XXXX uploaded necessary docs requested via the servicer 's portal. XXXX on XX/XX/2016. She experienced issues with the uploads and called Caliber. They notified us on XX/XX/XXXX that they needed this done by Monday XX/XX/XXXX or the " 37 day rule '' would bar them from proceeding and they would go to foreclosure sale and cease short sale processing. I subsequently XXXX the same documents to them. They refuse to deal with us. I called their legal counsel with no return call 10 days ago. This property is in imminent danger of a foreclosure due to their portal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

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 12-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I submitted an income based repayment plan recertification with my new student loan borrower XXXX XXXX. I applied for pslf and they stated that They were going to send my loans to Pennsylvania higher education because they were the ones that handle the loan. I submitted my request within the 3 month window. And they responded stating that my idr request was denied because I submitted the request too early. Now I have to resubmit the request as the time is within 2 weeks of needing to have the certification before i am taken off my idr plan. This will increase my monthly payments to an amount I am unable to pay. They also said for the correspondence I would have to wait for the document to come in the mail before I could dispute their claim. It stated on studenloan.gov that when I filled out the request it could be used for the future date when my recertification was due. It appears the company is denying my request close to the time they will be able to remove me from my income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is against Chase bank - Line of credit Acct. # XXXX 1- My line of credit was modified ; my first payment was made on XXXX/XXXX/XXXX for {$160.00}. I recalculated the payment for the last 5 years and it was supposed to be {$160.00} What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
2- Chase sent me a letter in XXXX XXXX and again in XXXX XXXX, detailing the new payment is {$160.00}. However, when I made the payment, it was increased to {$170.00} without any explanation. I called and was given complaint no. XXXX. Nobody was able to explain this discrepancy, claiming that all of this done in the " back room '' What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
3- When I make an online payment on Saturday, the system debits my checking account instantaneously. Then, post the transaction on Monday. That means I lost 2 days of interest to their favor. 
Well, let 's be honest, if you take my money NOW, you must give me the correct credit NOW. 
What do I want? 
Chase should go back and check all of the payments that were made on Saturday, and send me a check for the difference in interest calculations.

Company response to consumer: Closed with explanation