milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX Transunion 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My cell phone account ended after a 2 year contract however unauthorized use continued with billing phone calls to overseas merchants. The account was cancelled. XXXX customer service stated that account would be cancelled and I would not be charged XXXX dollar cancellation fee. Afterwards, XXXX forwarded a collection notice for XXXX dollars to a collection company and I immediately sent notice " do not contact '' & violates collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We were behind in our mortgage for years due to a illness in our family. We finally were able to get help for our son, but the process took it 's toll on us financially as well as emotionally. Once we were able to place our son in a facility where he was able to get the help he needed, now in recovery, we were able to reclaim our lives and get our business back on track. Over the last 1-1/2 years, we have been earning an average of $ XXXX, and more than enough to pay our mortgage. We attempted to modify our loan and over the last 6 months showed the bank, PHH Mortgage Services representing Coldwell Banker, that we had been earning steady income and more than enough to pay our mortgage. Ultimately, PHH denied our application and our home was foreclosed on XXXX XXXX. We sent a certified letter requesting the reason for the denial and have not had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I do not use the card, I did not notice that there was an unauthorized charge in the amount XXXX on XX/XX/17. I did not pay the bill and then started getting emails and past due notices. When I realized, I contact them and they reversed the unauthorized charge yet continue to bill me for late charges and interest on a charge that they have reversed. I called them, they agreed but could not figure out how to transact it. They were combatative. This had impacted my credit and it is harassment.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Experian, and XXXX reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

Experian changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX XXXX left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated 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 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed my auto loan account, XXXX ( XXXX ) with Experian, due to the fact that the status updated is reporting inaccurately ( XXXX 2016 ). I have also reached out to XXXX in regards to this matter. Both XXXX and Experian have failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

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 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i am a XXXX on pension vet..i had XXXX every week that XXXX out sourced by the va ... my XXXX was sent to a local hospital by the outsourced nurse..the va paid the nurse but the nurse did not pay the hospital for XXXX done..the hospital billed me as the patient..i was told by the va to have all bills resubmitted for payment..the hospital said the va paid the bill already so instead of billing the people that submitted the XXXX they put it on my credit as a collection..i had the billed paid in full but its on my credit as if its my fault ... said it would remain on me to let others know ive had problems in hte past..its not my bill..please help..i am almost to the point of filing bankruptcy cause of it.the va paid once and the XXXX XXXX people did not pay the hospital..i hope u can understand my problem ..im not to good at explaining myself being im XXXX years old now..as i said please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Credit card) with AllianceOne Recievables Management (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2107 I received and alert stating that XXXX has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to Alliance One on XX/XX/2017. A pay to delete letter was submitted to Alliance One on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check Alliance One would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. Alliance One cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.Alliance One cashed my check then sold this account to another collection company by the name of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Other fee

Complaint: I have an XXXX XXXX business card with Chase. My annual fee was coming due in XXXX. Since this is my biggest spending card with Chase, in late XXXX, I called to find out if there were any retention offers on the account. I was told by a customer service representative that they would waive the {$95.00} annual fee if I kept the card open but that he could only process it after the annual fee posted and told me to call back. Today, XXXX XXXX, I called again only to be told that there were no retention offers on my card and that the annual fee would not be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I had fraudulent ATM withdrawals pulled from my checking account at a random ATM. The bank ( Bank of America ) initially refunded the money ( close to {$500.00} ) but then took the money back - they decided that the transactions were NOT fraudulent since the correct pin was used at the ATM. I had the debit card in my possession at the time these fraudulent transactions were made The ATM that the money was taken from was XXXX. Now, I being told that I have to wait to hear back IF this will continue to be investigated and I am out the {$500.00}.

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 10/19/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: i filed Chapter XXXX the trustee was making payments on my behalf. I dismissed the BKXXXX and contacted the lender after the run around going from the BK department to customer service. they finally tell me to go to the branch that made loan. they show on my credit report charged off and full amount due This is not accurate they have tried to damage me more I know they have been paid {$150.00} through the trustee known they want full amount and using the credit bureau to get it from me and have not made any effort to show it is still in installment payments. they need to be informed they are practicing tatics to collect

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: we have a mortgage loan with Chase finance and we had some hardship in 2014 and got behind on our mortgage and applied for a loan modification. it took months to get the modification. the result was that our payments would go from XXXX dollars to XXXX dollars for six months to payoff or get caught up on payments. now they are saying that since back in XXXX that I did n't get the acceptance letter in back to them in time that they are no longer going to accept any more payments, after already accepting at least one payment unless I pay XXXX dollars to pay for 3 months and they are saying that my house can go into foreclo we at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have sent multiple requests to myfedloan.org to tell them how I would like my additional payments to be processed. I have been paying extra every month, and want the highest interest loans to be paid first - duh! Well after 2 months of requesting to apply my extra payments to principal, and 2 months of my payments being applied in the same way that they always have, I 'm losing confidence in them. I have saved my email correspondence with myfedloan.org ( though, they have never personally responded -- I only get canned, automated responses ). they are costing me thousands in interest, and I want to get this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Hunter Warfield. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have not received a final disposition of this complaint. Equifax is ignoring the Consumer Financial Protection Bureau. The original complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (VA mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (WA).
Issue: Settlement process and costs

Complaint: Complaint : Washington Federal Bank wants to keep my earnest money because I kept their house off the market for 30 days. 
XXXX lender XXXX XXXX did not fully disclose the need for a XXXX credit score and kept saying the underwriters overlay reports back OK - referral with caution. 
XXXX lender XXXX XXXX XXXX did not fully disclose that I needed to put in debt from my ccs into the mortgage amount to be able to get the loan at a new purchase price of XXXX. 
Seller still under open contract with open form XXXX UN singed document from purchase due to bank wanting to keep buyers Ernst money of {$1000.00}. Seller has put the home back on the market and advertising home for sale on the XXXX XXXX system as of ...

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 10-05-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (KY).
Issue: Trouble during payment process

Complaint: fay servicing said they paid my property taxes ( they did n't ) and set up an escrow account and deferred monies into the account for the taxes. which I did not approve. the then stopped applying my payments to the house until the account was brought current but they took the monies from my payments and stored them in separately causing my account to be behind. I paid the taxes long before this occured and after checking with the county clerk they informed me that I was the only person to make a payment and there was no record of fay servicing trying to pay anything I spoke with XXXX who said he needed proof that I paid the taxes but never gave me his email address, I had to get that from an associate. I emailed him the proof but he will not return my calls or emails

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called me repeatedly and I believe has put my phone number on call lists of various marketers and vendors so that I get many recorded messages trying to sell me something. I have applied for a total and complete discharge regarding my brothers student loan and his severe XXXX has not been taken into account at all. I requested an audience or to speak with the client for mediation on the debt and they said no the client will not speak with me. My father paid {$150.00} every month for several months resulting in about {$8000.00} paid and the balance of the loan was not affected much and now that I have not been able to afford to pay it, the balance is greater than the original balance. They offered to settle for {$12000.00} within three days of the request, and said I could pay {$100.00} a month with {$30.00} going to the principal and {$70.00} going to pay interest. I said that does n't help me get out of debt and they made no effort to help me. Thank you for any help you can lend me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We contacted IC Systems and we mentioned a credit check that was done on XXXX/XXXX/16 through XXXX. They could not find check in the system. We spoke to a manager, they mentioned they would not remove credit check. They said it was not their responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with John C. Bonewicz, P.C. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am submitting this complaint against  John C. Boewicz PC  because while I was trying to settle a debt of {$3500.00} they began to garnish my wages without any warning. I was negotiating over the phone with them since    XXXX  2017    . I even sent them a couple of faxes explaining that despite my financial hardship I was willing to settle. I started with {$750.00} then I counter offered {$1100.00}. They asked for proof of funds and I even faxed that over. Within a week from my last fax they had already garnished {$85.00}. I called to ask  XXXX   XXXX   XXXX , who I was negotiating with, why they were taking money if I already had asked for a settlement. He responded that he and his " superior '' figured this was the best option for them. I never was told they were going to garnish. What was the point then faxing over proof of funds? Today they garnished {$75.00}. I am a divorced woman and I do not make what my ex husband use to make. I have  XXXX  children to provide for. I feel that they took action to quickly and left me in the dark on purpose. Attached is the proof of faxes I sent them.

Company response to consumer: Untimely response
Consumer complaint received 05/24/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (KY).
Issue: Deposits and withdrawals

Complaint: Citibank closed my account because of " suspicious activity '' which was me going to a XXXX XXXX store to make copies and scan documents. I had to call and go over hoops in order to have my account reopened. They asked me for extended verification information even though I had done absolutely nothing wrong. Furthermore, whenever I deposit a check now to my account they intentionall add excessive delays in order to process the checks. Citibank is engaging in a pattern of harassment and unfair business practices. In addition, Citibank has taken over {$500.00} in overdrafted fees from my account just this year XXXX 2015 ). Citibank is illegally retaliating against me with their harassment and unfair business practices because I have previously filed complaints against them with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check charge in the amount of {$23.00} when my account never went negative and the balance ended at {$58.00} on this day. I contacted the bank and spoke with XXXX and the XXXX and was told it was because of a pending {$8.00} XXXX XXXX charge. Even if that were true it still does not bring the account to a negative balance. The refused to give me the phone number to corporate or speak with anyone else regarding this matter. I was charged a fee incorrectly and they have done nothing to resolve this matter. I have been a customer of BofA since XX/XX/XXXX and this makes no difference to them.

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 03-02-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: macys credit card -- when we moved we changed all to new address made a couple of purchases never recd a bill would never have known that they were sending my bills to old address how i found out was i get my annual credit report and seen this i called them and and asked what happened found out they were sending bills to wrong address we changed to correct they told me i owe {$170.00} dollars they said if paid would take off all credit reports they were paid in two days i called them after 3 days said didnot rec yet called back and next person told me they did rec two days later but will not take off credit reports they just wanted there money XXXX had an XXXX credit score i always pay my bills this dropped score down a lot and i did nothing wrong not my fault they did not do there job updating there system when i sent them change of address how is this my fault they could have even called me they have my number it has not changed can you please help they wont even honor there deal oaid in two days they would take off 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 monetary relief