milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2015 about Mortgage (Home equity loan or line of credit) with M&T BANK CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Manufacturers and Traders Trust ( MTB ) is a part of a mortgage fraud against the, ESTATE XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NCXXXX. 
Since XXXX, I have been corresponding with MTB about the loan that was cancelled by XXXX on, XXXX XXXX, XXXX, after filing an affidavit for lost note on XXXX XXXX, XXXX .This was ten months later .Because of the time span, this was not likely to have been done in error. 
When contacted, MTB repeatedly assured me that they had nothing to do with the this loan. 
XXXX, who I believe is a co-conspirator, wrote that they had acquired servicing of the mortgage in XXXX, and had sent payments to MTB, the holder of the note. 
MTB wrote, they held XXXX files in their vault, but returned them to XXXX in XXXX. MTB said XXXX XXXX XXXX was the servicer at that time and that they had not received any of the payments made. 
Research has shown that MTB was perjuring themselves in all the information they sent me. 
Recorded documents show a list of mortgages XXXX XXXX XXXX XXXX serviced for them. The mortgage in question, XXXX XXXX series was on the list. This can br found in BK.XXXXIN XXXX, NC XXXX online register of deeds .I have spoke with people in the lien department and they have denied having this mortgage. 
I was told the name, XXXX XXXX, or the address was not in their system. 
It appears, XXXX XXXX, XXXX and MTB, are trying to cover for each other. 
MTB knew all the time that this note was with them. At first, they seemed to be trying to help me, now I know they were not. 
I will send the docs tomorrow. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX -- -- -- XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without authorization due to a data breach. On XX/XX/XXXX, I mailed a Free Annual Credit Report form to the Free Annual Credit Report service, asking for a free copy of my credit report from TransUnion, if it existed. On XX/XX/XXXX, I received a response from TransUnion stating that they did not find a credit report based on the limited details I provided, but that they could perform a more thorough investigation if I asked.

On XX/XX/XXXX, I sent a reply to TransUnion, asking for a reinvestigation. I included copies of my official identification documents that TransUnion desired to have in order to perform their search. I asked them to conclusively inform me whether or not a credit report existed in my name, and if so, to provide a copy of it. On XX/XX/XXXX, I received a response from TransUnion, which again stated that no credit report could be found based on the information I sent to them, but did not conclusively state that no credit report for me existed within their database, as I requested in my letter.

On XX/XX/XXXX, I sent a second reply to TransUnion, again asking for a reinvestigation, and emphasizing that I desired a response in clear and unambiguous language that I either did or did not have a credit report in their database. With this letter, I again sent copies of the official identity documents that TransUnion requested in order to perform their reinvestigation. On XX/XX/XXXX, I received a response from TransUnion identical to the one I had identified as being insufficient.

In spite of my two clear and reasonable letters, TransUnion has failed to answer with an acceptable level of specificity whether or not I have a credit 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 09/16/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX was handling this dispute since 2008. Nothing was resolved and I never received my credit report until now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: inquiry 's from the last 2 years are fraudulent. police report on file buthas been misplace but have older police report? equifax

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed with Experian multiple times concerning the false public records being reported to my credit history. I explained that the public records are identity theft and filed a police report and Id Theft Affidavit. I called Experian and they said that because it is a matter of public record they cant do anything to rectify the situation. Experian Also explained that I was to take my actions to the XXXX Bankruptcy court and ask them to remove these Bankruptcy filings and unauthorized inquiries from my credit history. 

It is my hope to get this Identity Theft issue resolved once and for all but to this day I am still receiving unwanted unauthorized inquiries on my credit report. I have never been in a bankruptcy and I have never filed bankruptcy ever ; I would like to get these public records deleted from my credit history so they stop causing me hardship. 

Experian states that these bankruptcy remarks are a matter of public record and can not be removed unless through the data furnisher itself. Which is why I went to the XXXX Bankruptcy court and obtained a copy of the bankruptcy filings. That is when I noticed that the bankruptcy filings Experian is now reporting on my credit file contain inaccurate information that is clearly not me. My name was spelled wrong on both bankruptcy filings and the social security number is not even valid. It is clear to me that I am a victim of an impostor playing harsh pranks on me and that Experian is reporting false public records of someone else who did a bankruptcy filing. 

The bankruptcy court will not allow for me to remove these public records stating that I must first verify the identity of the person on the filing. This is impossible because my name is not the person on the filing so can not be verified for the XXXX Bankruptcy Court to expunge from the records. 

As you can see no matter which way I turn for help to remove the Bankrupcy Public filings they are still being reported. Experian reports false information that I am unable to remove from the bankruptcy court records. 

I am not sure why removing the false records would cause anyone harm because the bankruptcy items being reported were dismissed bankruptcy filings that never went to fruition. The only person receiving grief from the incident is me as I would be rejected from additional credit providers due to having filed bankruptcy. Creditors do not care that it was dismissed they only care it was filed and reject my credit applications instantly for that fact alone. This information is damaging me and must be rectified somehow. 
The accounts that should have been deleted and/or removed from Experian are as follows : ID Number : - XXXX BANKRUPTCY COURT/UTAH XXXX US BANKRUPTCY COURT/UTAH XXXX Unauthorized/fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TECHNOLOGIES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: Good afternoon, Im following chain of command as i have been advised by my council. I have reached out to  American Express on s everal occasions only to be given the run a round. My account was compromised and i dispute the un authorized charges back in  XXXX . Its now the end of  XXXX  ( Outside of FDIC timeframe ) and still no resolution just a case were we keep re-opening a dispute! Every contact with customer service i have received partial or as i was advised wrong information there are  two transactions at   XXXX   XXXX   XXXX   and I 've never been there. Im attaching proof of my signature from my government issued id as well as the police report for this matter. Ican be  reached at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 pulled my   XXXX   And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with   XXXX   stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called  XXXX  credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because   XXXX   is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with   XXXX   as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (  XXXX  or  XXXX  ) will not provide proof and I have did all I can do.     I also advised   XXXX   the following Inquiries are fraudulent /not authorized by me :  XXXX -  XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised   XXXX   the following iquirie s are fraudulent/not auth orized by me :   XXXX   XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: recieved letter dated the XXXX of XXXX for an old ( 2015 ) debt that needed research from me to find out who it belonged to. letter stated that debt was due by the XXXX of XXXX, funds were taken out of my account without my knowledge or permission on the XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was discharged in my bankruptcy and they keep reporting it to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (TX).
Issue: Trouble during payment process

Complaint: They ignore all request ,They ignore Federal Judge XXXX XXXX ,They ignore their attorney  XXXX XXXX  XXXX XXXX XXXX XXXX They ignore my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested an Amortization schedule  or a payment schedule so that I might know how much has gone to interest and how much has gone to the principle And what is my remaining balance  Planet home lending has never in 8 years even given any form of payment  Making it totally impossible to refinance  Their attorney XXXX XXXX  has approached Planet home lending LLC  requesting the amortization schedule  ,And has further noted they do not know how to make up that statement

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I 'm not sure how I ended up with XXXX private loans, each one a different date in a different year. I only signed up for XXXX XX/XX/XXXX. A XXXX one was created XX/XX/XXXX that I never agreed to. Plus the semester I decided to try to finish my degree, I dropped my classes before the deadline so, that loan should have canceled and the XXXX one should have never existed. The reason XXXX told me they never received my notice that I was dropping my classes is because my student advisor, the department head, XXXX XXXX, had quit before my email was received. It 's funny how I never heard anything from a new student advisor? 
I decided to drop the program because I learned that it was a ficticious field of study and their were never any jobs available to begin with. In fact, XXXX dropped the entire curriculum a month or so after I dropped my classes. Apparently, I was the only student left taking classes in the first place. 
I was reluctant to sign up for that last semester because I had problems with the previous semester thus the need for a private loan. I feel as though the financial aid representative coherced me into taking the loan, knowing they were about to drop the entire curriculum. And I believe they fraudulently created the XXXX one. 
I did n't even find out the loans existed on my credit until XX/XX/XXXX while trying to obtain credit. Now, there is n't even anyone available to try to resolve the issue, they closed their doors completely. These loans are preventing me from obtaining the credit I need and deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Other mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have delinquent mortgage that is being serviced by M & T Bank ( " M & T '' ). M & T placed forced insurance on the underlying property. An insurance claim was filed by me and XXXX checks sent to me with certain specific instructions from M & T as to how the insurance funds would be disbursed ( i.e., M & T wanted a proposal from a contractor, a lien waiver from the contractor, a contractor 's license as well as a signature on teh XXXX checks and an endorsement to M & T of the checks ). All documentation M & T requested was forwarded to them with the XXXX endorsed checks ( XXXX check for $ {$990.00} and aonther for approximately {$5900.00} ). Funds were expended by me for the repairs in order to protect the property ( a rof that leaked very badly and thast was causing additional dmage to the subject property ) and reliance on M & T 's representation that a " reimbursement '' would be forthcoming. After the checks were endorsed to M & T ( each check was written to both myself and M & T ) and forwarded to M & T they refused to pay the claim, notwithstanding significant documentation sent from M & T to me indicating that the insurance would be applied toward the claim if certain procedures were followed, which I did follow. 
As a second part to M & T acting in bad faith, they separately provide ( not in insurance documentation ) a letter on their letterhead ( not part of the forced insurance ) called an '' Acknowlegment of Term '' and thereafter indicated to me because I signed said document, and that because the insurance was paid by them and the loan was seriously delinquent and/or in foreclosure that " M & T could apply any and all insurance proceeds related to the subject property to the delinquent mortgage, as they saw fit. 
I indicated to M & T that I did not sign an " acknowledgment of terms '' upon which they used that fact to deny reimbursement to me for the insurance claim. Thereafter, a manager at M & T ( XXXX XXXX ) was put on the call where I informed him that the phone call, which he was recording, was going to be used for purposes of litigation, as well as several prior calls where M & Tindicated that they " did not have to pay over the endorsed insurance checks under any circumstance '', again, " since the property was in foreclosure ''. I thereafter indicated to M & T that I was filing a complaint with the CFPB and that I was an attorney and was filing a lawsuit against them and that this issue was ripe for a class action. I find it highly likely that M & T is doing that to many borrowers in default and are doing so in contravention to the documentation being sent to the consumer, XXXX various " red herring '' excuses not to pay over the claim but to apply the insurance funds toward the delinquent mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with Law offices of Steven Cohen LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Apparently I had a credit card from XXXX visa back in 2008. I know for sure my credit limit was no more then {$500.00}. I received a letter from the city clerk of the city north tonawanda XXXX XXXX of niagara today saying I 've been sued for {$3100.00}. They stated I have 20 days to make first payment, which is XXXX % of my total wages or their gon na contact my employer and go through them. I 've Google the credit card company XXXX, who I apparently had soo long ago, 8+ years ago and I found out this is happening to so many people. This company went bankrupt in 2008. Please I need help resolving this asap. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: My debit card from Bank of America was stolen on XXXX/XXXX/2015 ( going by the account activity ). The person who stole it knew my pin number and also gained access to my online account and changed my password. I have absolutely no idea how these people obtained all my information. They deposited a check for {$3300.00} on XXXX/XXXX/15. Even though the signature in the back of the check did n't remotely resemble mine and I do n't believe they could have provided a valid ID, the funds were made readily available without a hold. These funds were used to make several purchases. When the check came back for insufficient funds and was debited from my account on XXXX/XXXX/15, the account balance went down to - {$1000.00}. The bank continued to approve purchases and debits for XXXX additional days until I finally realized my debit card was missing and I called them to notify them. By then, my account balance was - {$3500.00}. They said they would open an investigation that would take up to XXXX days and the very next day I received a letter saying they had completed the investigation and found there was " no error in the instance '' and I was now liable for all that money. So their investigation took one day during which no one contacted me to ask me anything. I filed a police report on XXXX/XXXX/15 because someone from the bank asked me if I had filed a police report. I filed it late because this had never happened to me before so I did n't know what I had to do. The bank alleges they called me on XXXX/XXXX/15 to verify the charges and I said they were ok. I do n't remember ever getting that call. When I asked them for a copy of that conversation they said they could n't give it to me because only the police had the right to ask for it. I have left a few messages for the police investigator that was assigned to my case that have gone unanswered. In the meantime I ca n't open an account anywhere else, I ca n't deposit my work checks anywhere and my credit has been compromised. I think the bank should n't have accepted the initial deposit of over {$3000.00} without proper identification and without verifying my signature. They should have at the very least put a hold on the check until it cleared. They also should have detected the unusual activity in my account and taken the proper steps to alert me of the situation. I need help please! Who should I contact? Who regulates the banks? 
I want to clarify that the only reason the bank reopened the investigation XXXX was because I called them to tell them they were wrong and they needed to investigate further because I did not make any of those charges. As far as they were concerned their so called investigation was resolved in XXXX day. Never, during any of their XXXX investigations I was ever contacted by anyone to ask me anything at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation