milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.

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 05-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I 'm a XXXX XXXX adult and Bank of America stole over {$340.00} of my XXXX money from a new checking account that I opened in order to prevent any fraud from occurring on my account again. On Friday XXXX XXXX just prior to XXXX CST when the claims department closes they removed the money from my new account without any warning or offer for payment plan. I still dispute the credit reversals that led to a negative balance after I closed the account at a local branch. Every banker I 'd previously spoken to said that my new account could not be touched by the bank or anybody but myself. I had no means to prepare for the sudden removal of almost all funds I had left, since I 'm on XXXX. They offered a friend of mine payment plans and additional help many times, though. I have visual documentation of all these events. I also have recorded information that proves they acted illegally by stealing funds from my new account. I want them to refund the money, explain why they did this, and compensate me for the money I had to borrow for immediate health purposes. I can prove all of this. Please help me, please. I have nothing left even for food. I also want them to pay a penalty fee to me for hurting me like this. I beg of you to intervene. Tell me what proof you want.

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 07-06-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: XXXX I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX XXXX Confirmation # - XXXX / of RECEIVED : XX/XX/XXXX ( ENCLOSED ) XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XX/XX/XXXX - REPORT NUMBER- XXXX RECEIVED : XXXX XXXX, XXXX credit report prepared for - XXXX, XXXX XXXXYour report number is XXXX date : XX/XX/XXXX Credit Items LEXUS FINANCIAL SERVICESAccount Number : XXXX ... ... .Outcome : UpdatedTo Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTEFirst and far most, PLEASE NOTE : Account 1 ) : Experian- LEXUS FINANCIAL SERVICES - Account XXXX is an inaccurate account XXXX This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX TOYOTA MOTOR XXXX XXXX Account XXXX is an inaccurate account. Therefore, this account is apparently a fraudulent account. Your re-investigation will determine, There is certainly more than XXXX creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States XXXX From XX/XX/XXXX, each new car is given a standardized XXXX code, which includes a serial number. A XXXX lets you unlock vital information about the vehicle and its history. In addition, Locating VINs - You can find a XXXX on the car itself and on a variety of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am very fustrating with Caliber home loans they are not given me the most important imformations about my property i am living in i have a child my wife we are going true a lot please help me i do n't have place to go i need time i meed they dend me the papers for modification they say they sent to me but i have n't resive nothing please help me

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Privacy

Complaint: I requested online through Amazon a Visa credit card issued by Chase. I was approved immediately online, which I expected because of my long-standing credit card account with Chase. 
Today I received my card in the mail. It was issued in the wrong name - XXXX - the name of my wife 's ( XXXX ) former husband!!! 

How this offensive mistake happened is beyond me. l did NOT ask that my wife be on this new Chase card. My wife is NOT on my current Chase card. My wife is NOT on my Amazon account. I have never communicated any PII about my wife to Chase or Amazon. 

The very courteous call center representative I just spoke to is arranging for me to get a new card shortly. I still want the card, but I also want to understand what privacy and system breaches occurred to allow this mistake to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ZIONS BANCORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No "  XXXX  '' card exists in my name ( I have never heard of this company before ). I have disputed this issue in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them. This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus. Their contact information is below.      ZIONS MANAGMENT SRVC C   XXXX   XXXX ,   XXXX   Bank  Credit Cards   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  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 non-monetary relief
Consumer complaint received 08/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Six times since XXXX XXXX, 2016, I have received reports from XXXX that there have been Hard credit inquiries on my credit report that were made without my knowledge or authorization. Each time, I have spent many hours on the telephone with XXXX, Capitol One, XXXX, XXXX, and XXXX. I do not have the energy to fight this any longer. Inquiries that are still on my credit are as follows. 
1. XXXX XXXX, Capitol One Bank USA NA. 
2. XXXX XXXX, Capitol One NA. 
3. XXXX XXXX, Capitol One. 
4. XXXX XXXX, Capitol One. 
5. XXXX XXXX, CBNA. 
6. XXXX XXXX, CBNA. 
There has also been an attempt to open a checking account in my name and with my SSN at XXXX XXXX XXXX a few months back. 
Please help me remove these inquiries from my report with the XXXX credit reporting agencies. None of the XXXX agencies seem to care that these bogus inquiries remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: Paypal credit is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: In late   XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew wh at they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.

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 Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (TX).
Issue: Other transaction issues

Complaint: google wallet has cancled my account with {$140.00} us dollars and will not get back to me about a refund this is borderline stealing. I cant get in contact with anyone about getting a refund and no one will respond in emails. this is my money and i need it now. the customer support is terrible and they can not provide any info on getting my money back to me im very displeased with how ive been handled. this needs to be addressed so customers can get their money back in a timely manner ... not a month or XXXX just to get a refund thats way to long to handle an issue. ive called more than XXXX times and no one can help me!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The TRAF Group (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid A-1 credit collections in full amount 2000 something and they promised to take off the credit report and they never did so my credit keeps on Lowering. I paid it last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with DISCOVER BANK (VA).
Issue: Other

Complaint: My ex husband applied for a Discover card and listed me as an authorized user without my knowledge. After we split up, he stopped paying the bill which is none of my business, except that it is showing as delinquent on MY credit report. That should be illegal. I could open an account with them and list someone I did n't like as an AU and totally XXXX their credit without their knowledge. I think this should be illegal. I could understand if I was a co-app but I had nothing to do with that card. Discover ca n't even discuss it with me because my name is not on the account so I have no recourse. This is the only negative remark on my report and it is impacting my refinance rate/options. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a student loan that is now with XXXX XXXX XXXX and I am making payments to avoid the garnishment they are trying to file. I believe that my statue of limitations were up prior to collecting payments. I have also asked for documents on the student loan and they have n't been able to provide me with the correct documents.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan to have a house built in XXXX 2015, i went threw the whole process and did everything i was suppose to do as far as what was needed from me and what i needed to have at closing. I gave lender all my information that was passed on to the processor and the underwriter. I was notified that my loan was approved but the processor sent me special conditions that i needed to do before i close. i provided everything that was asked of me on the special condition report, but when it was time for me to close, i was informed i was unable to because they could not use my sons XXXX XXXX check that was apart of my income. The company had my file for 4 months and waited to tell me this at the very end after XXXX missed closing dates. I gave my 30 day notice were i was living, moved out my house based on closing date, went homeless for 8 days now with XXXX people in my household. I had to pay for a XXXX truck and keep my furniture in there waiting around on them to close me. After 4 long days I had to return the XXXX and put my furniture in XXXX storages because i have alot of things. They have cost me alot of money, and stress ( XXXX ) on me and my family. They also made me close XXXX credit cards out 3 weeks ago when i was orginally suppose to close and know my score is going to drop hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian, XXXX, and XXXX refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that Experian would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the XXXX of XXXX transunion had a computer glitch where many of majority of my inquires were deleted and some where down the line readded by transunion with out notifying me 5 days prior in writing telling me they will be back added. I contacted transunion in good faith to ask them to delete the inquires that they illegally readded. I talk to a non-US rep. By the name of XXXX XXXX I asked to be transferred to a U.S rep. He said he could n't do so " the U.S department does n't handle the deleting of inquires '' ( XX/XX/XXXX @ XXXX Eastern ) these inquires add a hardship to my later in the year goals of buying a house and my rights were violated by transunion. Can the CFPB please help transunion to stop victimizing 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 10/18/2016 about Debt collection (Non-federal student loan) with TekCollect Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: 1. Tek Collect is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$530.00} ( the " Debt '' ). 
2. Sometime around XXXX XXXX, 2016, Tek Collect sent me a letter attempting to collect the alleged Debt. 
3. On or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting validation of the alleged Debt. In this letter, I stated that I paid the alleged debt in full. 
4. On XXXX XXXX, 2016 or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting that it cease and desist communication from with me since they were repeatedly calling me at work and did not comply with my verbal request to not call me at work. 
5. On or about XXXX XXXX, 2016, I obtained my XXXX credit file and noticed that Tek Collect reported the alleged Debt in the amount of {$530.00}. This stated that the date opened was XXXX XXXX, 2016, which is also false as I was first contacted by Defendant prior to XXXX XXXX, 2016. Further, Tek Collect did not flag the alleged Debt as disputed, in violation of the FDCPA. 
6. On or about XXXX XXXX, 2016, I obtained another XXXX credit file which again showed that Tek Collect reported an inaccurate balance of {$530.00}, an inaccurate opened date of XXXX XXXX, 2016 and it did not flag the account as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I obtained a mortgage from XXXX Bank to retain ownership of a residence due to divorce. ( loan no. XXXX ) In XX/XX/XXXX I was unable to pay taxes and insurance for my home to to illness, the death of a partner, and financial problems related to an ongoing business. The bank entered into foreclosure action in XX/XX/XXXX, Through out the process I kept the ban informed of other property that I owned that was in litigation. The property finally sold and I requested the bank 's attorneys an amount to reinstate my mortgage under its reinstatement clause.I recieved a total amount for all costs, payments late charges attorney 's fees for a total of {$66.00}, XXXX. This amount was paid by cashiers check on XX/XX/XXXX Sometime in XX/XX/XXXX the mortgage was assigned to M & T bay who has used XXXX XXXX as a servicing agent. the principal balance due at that time was {$56000.00} At the timeof the assignment I was led to believe that the bank would modify my mortgage at the current interest rates. during the first foreclosure It was determined that the residence had substantial hidden leak damage.I used other monies to start reconstruction of the roof and upper story of the home. When I informed the servicing agent that I was in construction for repairs they backed off the mortgage modification and said they could not do anything in the matter or do any refinanciing. The Bank then raised my monthly payments to roughly {$1800.00} per month which I could not pay. They then created a scheme of charging me for late payments and interest on payments they claimed were due in XX/XX/XXXX and the last statement indicated that I owed over {$92000.00}. The bank filed a XXXX foreclosure in XX/XX/XXXX. This new foreclosure has halted the reconstuction on the property because I ca n't get any financing or refinancing to work the construction From a principal balance of {$56000.00} on XX/XX/XXXX I now owe over $ XXXX.in XXXX months. 
I bought the residence in XX/XX/XXXX it has a market analysis value of between {$950.00} to {$980000.00} It is roughly an acre of land with a natural beasch at the waterfron and the road side of the property faces a small park.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debts are in a current Chapter XXXX. According to court documents, almost all of our credit card accounts were sold to Portfolio Recovery Associates ( " PRA '' ) .We are in our XXXX yr of Chapter XXXX, and all of sudden we are getting phone calls to our home and to cell phones from them. We do not answer them, but are able to locate the numbers as PRA or associates of PRA. I have sent them an email with our Chapter XXXX account number requesting they stop calling, but asking for an answer to my email, so that I know it was received. Have heard nothing so far. I do believe they are in violation of the stay granted by Chapter XXXX and are also in violation of FDCPA by calling my cell phone. They also need to research their bundles of debt they buy to see how many are in Chapter XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX student loans acct under XXXX XXXX, account # XXXX, is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH  my credit reports & credit scores have suffered due to this falsely reported data. <P/>XXXX refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation