milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In response to Bank of America - claim number XXXX Please note that the documentation alleging a signature card with XXXX XXXX being identified as a sole proprietor is false and erroneous as the correct signature card ( attached ) which was a recorded part of the Motion to dissolve clearly shows the account was designated as an " S '' Corporation '' and any errors or omissions in entering a correct employer ID # s or other errors were the fault of the employees of BOA and their failure to properly obtain the correct ID # for the Corp. and their failure to properly enter the account as a Corp. account when it was CLEARLY designated as such does not constitute any mitigation of their responsibility for the losses incurred by the Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with CMRE Financial Services, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for a Loan Modification/assumption for the past seven years plus. 
My late husband and I started a LM in XX/XX/XXXX when he was XXXX. He passed in XX/XX/XXXX. Our loan was fixed at 5.8 % and was at XXXX we were hoping to get a lower interest rate ( I wish I had known then what I know now, we would never have applied, ) Part of the qualification to do a loan modification with XXXX was to be 3 months in arrears and if you paid you did not qualify for a Loan Modification. XXXX had me resubmit several applications for the next two years, giving me one reason after another why I needed to resubmit. Until one day I was told the reason I was not getting anywhere was because I needed to assume as well as modify ( the deed is in my name, but not the mortgage ) The Assumption Packet never came I chased that for several months was told it was mailed .... eventually told there is no Assumption packet just redo another Loan Mod packet and they would get it over to the Assumptions Department This goes on & on & on .... There never was an Assumptions Department at XXXX as I was told by my last Rep at XXXX. NO ASSUMPTION DEPARTMENT!! Eventually it is in the hands of XXXX XXXX XXXX. I was told I qualified, I explained that I had submitted over 17 loan Mod apps with XXXX and sent nearly that many copies of my husbands Death Certificate and will. I also kindly asked they not call the house and ask for my husband as XXXX had done for several years. The rep from XXXX told me things would be different than with XXXX it was now streamlined and regulations in place that I would only have one rep and only have to do one modification. I did four and had two reps. I was told finally that I received the modification I was so happy, only it was short lived ... as they called later that night to tell me I had to come up with the back arrears first, then they would modify/assume. I did not have XXXX that they were asking. ( I would not have been behind at all had XXXX done the modification or excepted loan payments from me after my husband passed. ) XXXX had told me the same thing before they transferred to XXXX and that there was no guarantee that I would be allowed to assume, when I asked if I would get the money back if they did not allow me they said no they would consider it from my late husbands estate. I asked if they would take that chance. No home and no money to start over if I was not allowed to assume. 
The loan is no in the hands of another bank Carrington Holdings LLC, I sent them a Notice Of Error & Request For Information to show that they own the note. It is my understanding by law they have to respond within 15 days it has been since XX/XX/XXXX the XXXX was signed and returned to me but as of yet I have not received any response from them. If anyone has any ideas how to proceed with this please let me know. 
Thank you. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: I paid off most of the loan and my husband lost his job which put me in a bind to have to pay off all the bills so I fell behind on the loan now Continental Credit is calling my job and my Supervisor wants the calls to cease or she will get the company attorney to file a suit against them. Continental Credit in XXXX Texas needs to stop calling my job asap. I spoke with XXXX on XXXX/XXXX/15 at XXXX ( XXXX ) and asked her to cease the calls. She said that 's fine and they would n't call anymore if this continues I will sue them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I have NEVER attended the University XXXX XXXX .... Fraudulent student admissions practices.

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 06/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Servicer has provided inaccurate, error ridden and misleading payoff and reinstatement notices to borrower. Federal Law requires the information contained to be accurate. 


In addition, creditors, assignees, and servicers must provide an accurate payoff balance to a consumer no later than XXXX business days after receipt of a written request from the borrower for such information.

Company response to consumer: Closed
Consumer complaint received 09/16/2017 about Debt collection (Medical debt) with P.S.C., Inc (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I am a 100 % XXXX XXXXt. Since I live more than XXXX miles from my primary care doctor, I am also part of the XXXX XXXX program. In XXXX. XXXX, I went to the XXXX clinic about XXXX miles from my home. Since I was having a serious medical condition, the XXXX sent me by ambulance to a non XXXX hospital. I was admitted and my condition improved and I was released 6 days later. My XXXX rate ( XXXX XXXX ) stabilized on the afternoon of the XXXX day. The XXXX XXXX XXXX was deferred to a later date. 
The hospital is billing me for co-pays and amounts they say were not paid by the XXXX. I have been informed that the hospitals have to accept what the XXXX pays and the XXXX can not be billed for the deductibles and copays. 
The hospital has turned the medical bills over to a collection agency. I have tried to explain to them and the hospital that I am a XXXX XXXX and I am not responsible for the charges.. 
Also that I can not be sued or garnished because my only income is XXXX XXXXy XXXX and XXXX XXXX and it is exempt. I have also explained this to XXXX, XXXX and XXXX. All of them are and will be reporting the debt on my 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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Equifax in XX/XX/XXXX/XXXX of 2017 and informed them that I was a victim of identity theft and there are some fraudulent accounts that are appearing on my credit report as a result of this. I contacted all the departments at these companies that are appearing on my credit report and they are unwilling to assist me in this process and tell me it does n't matter if it is identity theft, I am still responsible because they have identifying information. I have exhausted myself trying to get this information correct and they are just not heling. I recently filed a complaint with the FTC and have filed an identity theft report with the FTC. I have faxed over this information/copy of the report to Equifax and asked them to remove/delete the negative, false, derogatory information that is appearing on my credit report. According to the FCRA section 605 a & 605 b it is the responsibility the block/delete the inaccurate information I am claiming. here is a list of the accounts that I am disputing : I am writing this letter to request Equifax block the following creditors from reporting FALSE, DERGORATORY, INACCURATE information to the credit bureaus. According to the Rights Under the FCRA of Victims of Identity theft please BLOCK the following : 1 ) XXXX XXXX partial account number XXXX amount {$1200.00} 2 ) XXXX XXXX partial account number XXXX amount {$1300.00} 3 ) XXXX XXXX XXXX partial account number XXXX amount {$2000.00} 4 ) XXXX XXXX partial account number XXXX amount {$650.00} XXXX ) XXXX XXXX partial account number XXXX amount {$150.00} 6 ) XXXX XXXX XXXX partial account number XXXX amount {$850.00} STATEMENT OF CLAIM : I, XXXX XXXX XXXX, am a victim of identity theft and as a result a number of accounts have been opened in my name. I would like the creditors listed in this document blocked from reporting inaccurate, false, derogatory information to the credit bureaus immediately. According to the FCRA section 605 ( a ) ( b ) these accounts must be blocked/removed

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2015 I attempted to access my chase checking account for a periodic balance inquiry. however when I entered in all of my previous known login credentials online for this checking account, the chase bank website prevented me from accessing my account providing me with an error message indicating my login credentials were not correct. So I Immediately called Chase Customer Service to rectify the problem and to my dismay the rep i spoke with indicated my login credentials were no longer valid nd he advised that my username and password I used for the previous XXXX or more years as a chase customer with the same checking account had been recently changed. After he mentioned this I realized that my identity/personal information and login credentials were stolen. After providing this information to the customer service rep over the phone my account was flagged for fraudulent activity with no further access allowed until I was able to provide personally identifying information, along with a police report number to a local chase bank branch the next business day they were opened. I filed a PR with the XXXX, AZ police department explaining the situation and I was provided with a PR number. After speaking with several chase bank reps this same day i found out my identity was stolen, they indicated that on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015 a total of {$2400.00} in total had been paid out to a mutual chase customer through their chase quick pay electronic payment service. I advised them that this was not authorized by me and that the suspect who is also their customer stole my identity and login information to hijack my account and pay himself money out of my checking account without my knowledge. Chase fraud dept took my claim information this day and advised me to follow up so i did and I complied with all of their investigative requests only to receive a letter on XXXX/XXXX/2015 indicating they completed their investigation found that the transaction was processed correctly or was authorized and that no adjustments for a credit to me for the same would be made to me. Shortly thereafter I eventually closed this account after being with chase bank for over 10 yrs due to their lack of caring, lack of investigation and allowing fraudulent activities to occurr on their account members personal accounts. I believe that Chase bank should be held accountable for their careless reactions to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS IS NOT A REQUEST TO HAVE ANY EXTENDED FRAUD ALERTS OR SECURITY FREEZES PUT ON MY ACCOUNT. YOU ARE NOT TO PUT ANY OF THOSE ON MY ACCOUNT. ALSO TAKE OFF THE BLOCK ON MY ACCOUNT FOR PROMOTIONAL PURPOSES AS I NEVER AUTHORIZED YOU TO PUT THAT ON THERE. 

i spoke to XXXX collection today and spoke to XXXX XXXX and she advised that this account has been closed and is no longer in their system and they submitted a manual request for deletion to the credit bureaus. So this account still remains on my file and proves that Equifax lied about them verifying this. Also XXXX I spoke to XXXX at XXXX XXXX and she informed me that XXXX does not have any original source document nor do they have a signed XXXX Release form showing that this medical facility has the right to share any of my person information so this is now a FEDERAL OFFENSE and Equifax is just as guilty for saying they have verified these XXXX XXXX accounts when they have not done so. By me calling these creditors today this shows that Equifax is violation federal laws in the FCRA and they need to be fined and shut down for doing so. Read the hand written notes on the attachment. I have caught you in a bold face lie about verifying these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: part of the National Mortgage Settlement, BofA Modified my first TD and was to extinguish the 2nd Mortgage Lien. This is included in the judgment. its also listed on page 12 of the National consumer Law Center " understanding the National Mortgage Settlement '' it states : Bank of American delivers additional second-line mortgage relief to homeowners through an extinguishment program. The bank sends borrowers including those who have filed chapter XXXX or chapter XXXX bankruptcy, a one page letter describing the program. A Homeowner who does not want the mortgage lien extinguished must contact Bank of America within 30 days. if the homeowner does not respond, the second lien is released and the associated debt forgiven. Given the opt-out structure, participation rates in the program are reportedly extremely high. Bank of America reports these extinguished debts to credit bureaus as paid in full. .... this is my case, i currently have a creditor who is trying to foreclosure on my property relating to the 2nd mortgage that was extinguished through the National Mortgage Settlement judgment. They have filed for a notice of sale and was force to file Bankruptcy because they do not want listen and review the National Mortgage settlement act. B of A did not complete the process and filed the Recon to release the lien as stated in the law suit. My first was modified and part of the principle was forgiven. The company who is acting as the lien holder for the 2nd does not want to acknowledge and is requesting for the foreclosure proceedings to continue. Its been so much pain going through this process again knowing they dont have any rights for try and collect on a 2nd mortgage that was included in the National Mortgage Settlement judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am submitting a second complaint on early warning because I have sent them a rebuttal letter on the reinvestigation they have done with the negative reporting with XXXX XXXX. I have contacted XXXX XXXX and they have not been able to provide me with documentation supporting there reporting of transacting or attempting to transact in an unauthorized or prohibited manner. Early Warning has referred me to the Data furnisher of the information which is XXXX XXXX and XXXX XXXX is trying to refer me to another institution which is XXXX Bank whom the information has been removed from my early warning file. I am going to attach XXXX XXXX 's CFPB complaint response where they are trying to refer me to another institution for what they have been reporting to Early warning services. This is a complete violation of my FCRA rights. I am attaching my rebuttal to Early warning services and the XXXX XXXX response to CFPB..

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Payday loan () with ACE CASH EXPRESS, INC. (NC).
Issue: Can't contact lender

Complaint: Been receiving e-mails from this company stating that I owe them for a payday loan. This has been going on for the past 3-4 years and I am tired of it. I have asked several times for information stating that I received this loan, but I keep getting the run around and they say they ca n't because they have several companies that they work for. I told them that if they have my information and the contract that I signed that they know the company that they claimed I received the money from. I have basically all of the e-mails that have been sent and I have sent back at them requesting all this information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never got anything to show validation of debt when I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX TransUnion stated that they verified with my County court office that they reported a public record of income tax. They do not report anything to the Credit Bureau report. I have called and verified with my county clerk office that they do not report anything personal to the credit bureau. I would like to know who TransUnion use to verify this information when I have verified with my county clerk office that they do not report any information.

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 05/23/2016 about Debt collection (I do not know) with Ashfield Management Services Inc, (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received a call from a " process server '' to confirm address in order to serve me. Called my cell phone and my workplace. No info given, supposed server is a XXXX XXXX XXXX, was given the number XXXX to call with a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with I.C. System, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt was sent to the collection firm on XXXX XXXX, 2014 - 3 years and 6 months ago. 

I do n't know what this MEDICAL DEBT is for - as well, I did n't know MEDICAL DEBTS could be reported on an individual creditors report.

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 07-09-2015 about Payday loan () with Samuel Whitaker & Associates LLC (TX).
Issue: Received a loan I didn't apply for

Complaint: On XXXX XXXX received a call from a XXXX XXXX stating I had 72hrs to Connact her at Samuel Whittaker and associates at XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Her telephone number XXXX. She stated if I did not call within these 72hrs than I would have a civil suit filed against me and XXXX in XXXX and XXXX county and I have been warned and have a great day!

Company response to consumer: Untimely response
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.

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