milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i do not own this account anymore please remove it from XXXX, XXXX and experian credit file immediately. My credit report at one point showed it as paid in full, but reverted back to {$2000.00} balance and this account is effecting my score.

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 12/20/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I had a 10 year fix that was going to adjust I had written Chase about this and requested a modification for months I tried to communicate with Chase Lending dept via telephone and letters stating I will not be able to support this load once it adjust, in time a letter was sent stating because of my on time payment history they could not help me. XXXX day in XXXX of 2012 I receive a call for Chase lending dept saying they were going to fix my loan I was surprised the man I spoke with told me I had 24 hr to accept this offer, I then asked him was going to be through the Government Program Call Harp I ask him if my mortgage would be reduced he did not respond the more question I asked him about this he made it quite clear that if I did not accept the deal it would be off, so I agreed to it. He came back with a 30 year fix at 4.5 % and reduced my mortgage by {$5.00}. just recently another bank offered to refinance my loan and they asked me about the Harp program and they said I qualify for it and while processing the paper work an issue came up which disqualified me, it was because Chase did a refinance and not the Harp program I belief this was because they wanted to the amount of dollars coming in now I can not get into the Harp program or refinance a a lower Interest rate they should have done the Harp program for me and my family. 
I would like for Chase to Modify my loan and reduce my Interest rate I tried to call and my number must be on a list because every time I call I get a recording that say 's we can not process you call at this time, I 've also mention about the XXXX XXXX dollars they were supposed to use to help out their customer and guess what they know nothing about this I would like some assistance from Chase to set me up in the Harp Program and reduce my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (DE).
Issue: Loan servicing, payments, escrow account

Complaint: TD bank did not apply additional principal payments to the principal balance on my loan, they paid the payments going forward. They are unwilling to discuss with me how this happened and how they are going to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Lexis Nexis is reporting a tax lien that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Billing statement

Complaint: My credit card is Citi bank, In the end of XXXX and very beginning of XXXX 2016 I had {$2000.00} dollars paid off to totally what I owed to my credit card ( over XXXX XXXX dollars, a lot of money ). 
On XXXX XXXX I found out they charged me {$27.00} dollars for interest although I already paid off. I called them and a lady representative of Citi told me " You do n't have to worry about it anymore '' Then on XXXX XXXX they raised it up to {$38.00} dollars as claiming what I " owe '' them. I called them again, they said they 'd schedule me a callback from the supervisor, but they never called back. 
The Citi bank unfairly treated me and lied to me not just once.

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
Consumer complaint received 06/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Closing on a mortgage

Complaint: When this company initiated foreclosure proceedings their attorney XXXX XXXX XXXX XXXX brought to light and even requested that the deed be corrected because what they described as a scriber 's error on the registers office personnel. After reviewing and looking back through ever deed on the property back to its creation in XX/XX/XXXX I did notice the descrepency in the deed itself. But they should not be allowed to change said deed and the loan and deed should be invalidated and the company wiped this mortgage out as a business loss on their end and title said property back to me or refund every dime that has been paid to them since the loan was originated if not just for since it has been in the possession of Nationstar Mortgage LLC. The reason being that the error they are trying to have the court change is not on the part of the registers office as they imply, but instead on the closing attorneys fault ( from the original closing attorney on the loan ) to the attorneys that Nationstar also had do the closings during the modification and subsequent attempts at foreclosure. All of these parties except for myself being the home owner had pre-existing knowledge of this error in the deed and did nothing about it until the company " Nationstar Mortgage LLC '' decided to foreclose on the property. Documentation can be submitted with this complaint that shows that the original closing attorneys listed said description in every document relating to this mortgage " the mortgage, the deed, and even the title insurance '' and Nationstar when taking possession of the loan more or less the modifications it put the loan in also listed all of the inaccurate information without legally verifying the correct information was pertained in all of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a fixed rate mortgage and a set payment of XXXX. Now after my mortgage being sold 3 times it 's now XXXX. Now I 'm late month after month because it 's doubled

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding attached a judgment/lien on my home. When doing a title search I discovered that the judgment was for my ex husband. I did not know anything about this. I was not notified this was on my title to my home. When I called Midland they said they could do nothing. They could not tell me anything because it was not in my name. They finally gave me the attorneys name but I got the same story. They also said they could not give legal advice when I asked why would his debt be on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: XXXX XXXX XXXXXXXX XXXXCapital One XXXXFor more than XXXX years I have tried to verify the above mentioned accounts via certified letters and phone correspondence. 

According to my records, each account has been reported separately, and simultaneously, to the credit bureaus under both creditor names : Capital One and XXXX XXXX. 


My efforts to verify these accounts are complicated by the following facts : Capital One and XXXX appear to report these alleged debts using different account numbers. 
Alleged amounts owed on these accounts, have been in close proximation, but never exact. 
XXXX does not respond to my requests. It appears Capital One responds to inquiries for both companies. 
Capital One uses the last XXXX digits of the alleged account number in correspondence, yet credit reports reflect what appear to be beginning numbers. 
Despite the fact that I sent a copy of my SS card and driver 's license with my inquires to Capital One, their company responded with asking me to verify my own information. 
Despite the fact I stated I had no knowledge or records of the accounts in my request for verification letters, and that I suspected fraud, Capital One responded asking me to provide them with the account numbers. 
XXXX ( Case # XXXX ), ( XXXX - Case # XXXX ) and XXXX ( File # XXXX ) claim to have verified these accounts - but have never provided me with proof. 
I have never been sent collection letters from XXXX or Capital One. 

I highly suspect the above mentioned accounts, are accounts Capital One previously removed from my credit reports, and are now reporting the same again. 

It does appear the XXXX XXXX XXXX accounts did not belong to me. I filed a Chapter XXXX 100 % creditor payout in XXXX of 2012. Through this process, a hearing was held on multiple creditor claims. This hearing assisted with confirming numerous accounts were fraudulent or unverifiable. Without ordering an expensive transcript of the hearing, I can not share if these accounts were fraudulent or unverifiable. 

It should be noted, Capital One nor XXXX attempted to place a claim during the bankruptcy process. Please find attached a claim summary prepared by the Chapter XXXX trustee. 

Only XXXX response letter, from Capital One, claims XXXX XXXX XXXX was sold to another company, XXXX XXXX XXXX . 

Yet it was XXXX XXXX who placed, and was denied a claim, during the bankruptcy process for this account. 

Regardless, all XXXX accounts remain on my credit report, and I remain confident they do not belong to me. 

Please seek proper documentation on each account under FCRA and FDCP rules for collection and reporting. 

Please seek immediate removal of each account if the creditors can not provide said verification.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Deposits and withdrawals

Complaint: I closed an account with Chase Bank several months ago. I left Chase Bank owing them approximately {$430.00} because I am unemployed and had some undiverted bills go through which overdrafted my account. I am a full time student and have been living on my student loans for about a year. I have been waiting on a student loan refund since Friday, XXXX XXXX. The refund was paid in the form of a wire transfer from XXXX ( student loan processor ) and it should have gone to my new checking account with a different bank. Unfortunately, the loan went to the old Chase account. Chase Bank informed me this morning that they deducted what I owed them from the wire transfer and sent the balance to me via U. S. mail but it was sent to my old address. Now I have to file an affidavit with Chase to put a stop payment on that check which will take 30 days. Then they can reissue another check. I first want to know did Chase Bank violate any federal rules concerning the ACH transfer by not returning it to its original sender? Also, did they violate my rights by deducting the debt from my student loan without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced recovery is reporting an account on my credit reports which it said it would deleted ... The account was paid & should have not been placed on my credit ... Enhanced Recovery is aware of the issue & agreed to remove ... I need this removed at once as it impacting my ability to get a loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX, I discovered my XXXX rent check for {$1100.00} had been fraudulently cashed into a Capital One Bank Account, other than my leasing company. Upon realizing this I immediately reached out to my bank ( XXXX XXXX XXXX XXXX ) to initiate a Check Fraud Claim. 

On XX/XX/XXXX, I received a Fraud Statement Claim that required both myself and my apartment leasing company to fill out and acknowledge that they were not in receipt of the check. I immediately sent this back to XXXX XXXX XXXX XXXX and was told upon receipt and processing my claim would kick off ( this occurred around XX/XX/XXXX ). 

For the next 4 months, I continued to reach out and request updates on the claim, until I was essentially told to " wait and see '' by the fraud team. Eventually, I was told that if I had n't heard anything by around XXXX XXXX to call back as this would have been the 126th day of the claim and would move into a new process if they could not reclaim the funds from Capital One. At that point, I was told that " systemically the case would close '' as it had reached its 126th day, but that they would still be working to recover the funds. I expressed concern that it would be showing as closed and was fearful that it would then fall through the cracks. 

Since XXXX XXXX, I have been requesting call-backs and information from XXXX XXXX on the status and have not received any information via mail only after several calls to request a call-back. Eventually on XX/XX/XXXX, I went into a XXXX  XXXX XXXX XXXX location to speak to a Client Services Representative, she was able to look into the check and reach out to a contact at Capital One who confirmed that the check had in-fact been deposited into an account other than the one listed on the Check. Upon receiving this information, she informed me she would share with the XXXX XXXX XXXX XXXX Fraud Office to help resolve the claim. 

Since then, I have consistently reached out for updates on the claim - leading up to today, XX/XX/XXXX, when for the first time someone at XXXX XXXX XXXX told me they had officially stopped trying to recover the funds and there was nothing else they could do since Capital One did not respond to the inquiries.

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX  ) XXXX-XXXX Account was charge off and closed XX/XX/XXXX, Company is now showing new account balance of {$3800.00} of XX/XX/XXXX and also show as open

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 05-12-2017 about Debt collection (Credit card debt) with AFNI INC. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received  XXXX  collection notices from AFNI Collections for debts that do not belong to me. This collection agency has continued to call my cell phone and has also called family members attached to iformation that they received from the internet. I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with AFNI INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had a bill for XXXX $ in collection as a result of a phone plan I had gotten with XXXX. After approximately 2 months of service, I recieved my first bill and the amount that was owed was not in the amount the sales person quoted me on. I disputed the amount with the store at I got the quote and they assured me that they had said the right amount. I showed them the writing that had the specific amount my bill was said to be by the sales agent which was different by 40 or 50 dollars. After showing XXXX that and them not wanting fullfill their end of the deal I chose to terminate my service before the 3 months was up that I was told to be allowed to cancel my contract. Which is what I did. Then I took my business to XXXX whom at the time had a deal to pay off any early termination fees with the current cell plan to switch over to XXXX. I chose to do that, and XXXX was to mail me a card to pay off my XXXX bill. Now that I have spent 1 yr trying to get XXXX to send me the prepaid card to do that, I have yet to have XXXX mail the card to me because of the final bill from XXXX not having enough information for XXXX, as well as the picture I was supposed to take of the XXXX bill being the right file type for the pictures to be submitted online as I was told to do by XXXX ( not to mention the 2 or 3 times going into XXXX with the bill itself only to be told they could do nothing except what I have done from home ). Now I have been stuck with a XXXX $ collection bill as I stated from XXXX, that XXXX is actually liable to pay. My credit now being hurt and my time wasted as well as 2 phones I owned having to be given to each company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Our dental practice received an invoice regarding collections services from Capital Accounts. The services attempting to be collected upon are from patient accounts that were submitted to the collections agency from XXXX under a prior business owners name. 

Our doctor purchased the practice from the doctor in question in XX/XX/XXXX, however all account aging and collections from before the purchase of the practice remained in the prior doctors name and were forwarded to him via postal forwarding. 

Capital Accounts had been unsuccessful in collecting and or contacting the prior doctor and on XX/XX/XXXX someone from their office changed the name on the collections account to our doctor based off of our answering service. 

Once we received the invoice from Capital Accounts we contacted them for more information regarding the account and were notified by their representatives that the debt that they are attempting to collect is not ours. It was also at this time that we were made aware that they changed the name on the collections account after unsuccessfully reaching the prior doctor on our office number. 

During our conversation with Capital Accounts we made them aware that the account in question had been erroneously changed into our doctors name, and that we did not have forwarding or contact information for the prior doctor. XXXX continued to harass and make threats regarding why we were unable to provide information regarding the doctor in question. We attempted to resolve the matter and get a corrected invoice showing that no debt is owed by our doctor, however the harassment and threats continued until XXXX hung up on us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation