milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 have disputed and requested to have an item from the XXXX Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with Experian, and have received notice from each that the item was verified, is correct and can not be removed.

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 02/28/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WV).
Issue: Transaction issue

Complaint: I received a letter from my bank, Bank of America stating that my transactions ( XXXX charges : XXXX of {$4100.00} from XXXX on XXXX/XXXX/2016, a XXXX XXXX of {$1900.00} from XXXX on XXXX/XXXX/2016 and a XXXX of {$500.00} from XXXX on XXXX/XXXX/2016 ) are currently past the time frame to dispute ( 60 days ). Which after some research I found out that I have up to one year from the date of the statement to dispute using claims and defenses. I was charged by these companies for services that were not provided as described. I am very upset the way they are treating me as a customer and not even give me the chance to dispute those. I did a previous complain here CFPB case # XXXX to see if they would at least open and now they sent me this letter so I am asking your help to dispute under claims and defenses thank you.

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 08/27/2016 about Credit card () with BB&T CORPORATION (AL).
Issue: Closing/Cancelling account

Complaint: BB & T closed my Credit card for no good reason. I have never been late with a payment and have often carried a negative balance on the card. I was given no warning of the closure.

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 01-05-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the Equifax with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I applied for a XXXX American Express card and was told that I would receive XXXX reward points upon me spending {$1000.00} on the card within my first 3 months. prior to me applying for the card I explain to the representative or ask the representative I should say if I would be disqualified for the XXXX reward points because I had previously applied and was a proof for the same card in 2014 but I declined to get the card.I was placed on hold and came back as they told me I would still be eligible for receiving the XXXX reward points upon spending my XXXX thousand dollars since I never got the XXXX card.this information was told to me prior to me giving my approval for American Express to run credit for the card now that I have the card and have used a thousand plus dollars on it and have made payment of that money back they are telling me that I wo n't get the XXXX. I asked why would I not get the XXXX points and they are saying because I had been approved for a previous card.I tried to work this issue out with them. I emailed them and contacted them several times and no one has responded to my emails and the supervisors that I 've spoken with said there 's nothing that they 're going to do with the exception of reprimanding the representative as they will not give me the XXXX points that was promised.I was approved for the card under false pretense a false advertisement from Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ally fraudulently claims that I missed a payment on my account when I did not. They reported to the credit bureau   XXXX   that I missed a payment and that my account was a charge-off. I have the letter written by  Ally stating that they were waiving the bogus {$820.00} in excess wear charge. I did not miss a payment nor is this a charge-off. They also stated in the remarks " Consumer disputes afte r resolution ''. List payment status as a collection/charge-off. Ally waived the fee and I did not contact them afterwards. On my   XXXX   report, they reported that my account was closed with NO missed payments. Payment status is listed as current. Stated in the remarks " Dispute resolved, customer disagrees ''. Ally continues to illegally damage my  credit score and may pot entially damage my ability to apply for a mortgage. What confuses me is that I check my credit report weekly and both  XXXX  and   XXXX   both had shown that they were closed with   XXXX   payments missed. Ally needs to investigated by the federal government. They will correct my credit report immediately, otherwise I will sue 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 non-monetary relief
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX 2017 my mortgage account with Select Portfolio Servicing was {$79000.00} the next day it was change by account manager to {$80000.00} which is more the my original balance of {$79000.00}. the XXXX of the month is when the SPS reports to the credit reporting agency. I fill a deputes with XXXX to no avail. i have documet which i will upload. please make this mortgage company make this correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent a letter to owe the amount of {$51.00} on my BANANA REPUBLIC credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Mortgage (Conventional fixed mortgage) with GEORGETOWN MORTGAGE, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XX/XX/XXXX, we started the planning process of building our dream home. as the process got on the way after closing XX/XX/XXXX, we started noticing that the builder was not doing what they advertised and we were informing the lender and they were just allowing the builder to continue to collect money but no work was being done on a consistent basis. after countless back and forth emails, XXXX way calls, face to face meetings, we ended up terminating the Builder XX/XX/XXXX. The lender almost allowed us to go into default and showed no real vested interest in what we ere concerned about.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Our issue is with  a Wells Fargo   XXXX  mortgage, reporting an incorrect late payment. We used to own a home in NY, which we sold and closed on  XXXX   XXXX ,  XXXX . We have a letter of satisfaction fro m Wells Fargo d ated  XXXX   XXXX ,  XXXX .  Wells Fargo is r eporting that our payment was late in  XXXX  of  XXXX , which was 2 months after the account was closed ... .so clearly, it is being reported incorrectly. We have been in the process of trying to purchase a new home, and thru this process, we have been addressing the fact th at Wells Fargo is incorrectly reporting this account. We have personally reached out to Wells Fargo to ad dress the matter in  XXXX   XXXX  and two times in  XXXX  of  XXXX  ; we had a conference call with our new mortgage lenders credit reporting com pany & Wells Fargo, where Wells Fargo stated on the phone t hat the  XXXX   XXXX  late payment reported on our credit is incorrect, and they confirmed that the account was closed in  XXXX  of  XXXX  ... ..however the late payment from  XXXX   XXXX  is STILL on our credit report, and is now delaying our closing on the new home we are purchasing. We have been told that in order to get the incorrect late payment reported in  XXXX  of  XXXX  removed from our  XXXX  credit reports, that we must get a letter fro m WF that spe cifically states that the late payment from  XXXX  of  XXXX  was reported incor rectly. We have attempted to get such a letter from Wells Fargo, however this has not been a easy task .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Over XXXX mistakes on my report from experian. 
Enquirers, addresses, names and ss # that are not mine. 
Charged off account over 7 years old No response from disputes filed in 2012

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 06/22/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, my mortgage was acquired by Carrington Morrgage Services, XXXX, California, from XXXX Mortgages. Since the acquisition, I have had nothing but unanswered problems. Beginning XX/XX/XXXX, my escrow payment was raised from approximately XXXX per month : XXXX of which was/is PMI, to XXXX. Carrington explained that XXXX was to cover a projected escrow shortage and would only continue for 12 months. My home owners insurance was XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX. My tax was XXXX both years. I had no escrow shortage from the previous year ( XXXX-XXXX ). I requested an escrow analysis to explain how I could be XXXX short on my escrow when total payments from escrow for taxes, PMI, and insurance XX/XX/XXXX-XX/XX/XXXX would be XXXX and my escrow payin was XXXX ( a potential shortage of XXXX ). I received no answer and the woman was very rude. I have now paid XXXX to my escrow account from XX/XX/XXXX-present. Despite the 12 months time line, I am still paying the extra XXXX per month. My taxes, PMI, and insurance this year totaled XXXX. I have called XXXX times and requested a full escrow breakdown. I have yet to receive XXXX. I have absolutely no idea what my additional payments of XXXX have gone towards. In addition to this, Carrington has begun holding an overage payments I make towards principal. They hold it in an " unapploed funds account '' as a " suspense balance ''. Currently, I have XXXX in this account. I have been told they will only move those money if my account is current. Oddly, my account has been current, the funds have not been applied. I assume I am paying interest on my XXXX of principal balance. I exhausted with this company. My minimum payment rose from XXXX to XXXX, and XXXX per month raise is substantial for me as a single mother. I have paid almost XXXX to escrow this calendar year, all that has been paid out of my escrow is XXXX in PMI and insurance, yet my most recent statement shows an escrow balance of XXXX. How?!?! I can not get an answer. My XXXX requests for full escrow breakdown resulted in XXXX rude conversations with XXXX different reasons why I am paying almost XXXX per year to escrow and NO escrow breakdown. A year and a half in, I still have never gotten an escrow breakdown. Nor have I found out when and where my " suspense balance '' is applied. Please help, I beyond frustrated. I can not afford to continue paying XXXX per month on a loan of XXXX with a fixed 6.5 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit card protection / Debt protection

Complaint: I wanted to share a complaint I have made to the CEO of Capital One. I have a XXXX Platinum that I am fighting to have fraudulent charges removed from my account and wanted to make you aware that clearly even though they are backed XXXX, they do not employ zero fraud liability. I 'm being held responsible for 90 days for these charges. Feel free to contact me further to discuss this matter. 
Hello XXXX XXXX, I wanted to bring an important matter to your attention about XXXX of my XXXX capital one cards. On XXXX XXXX, 2015 my car was broken into and I immediately reported my XXXX card stolen. At the time of my call, XXXX charges had been fraudulently made. XXXX charges were made at the same location, XXXX XXXX in the amounts of {$200.00} and {$210.00}. The representative said that the charges would be credited to my account within XXXX hours and new cards would be issued. 
On XXXX XXXX, XXXX charges posted to my account. I placed a call back and spoke to a Fraud specialist. She stated to me that the reason the charges posted were because at the time I called they were " pending ''. During that same phone call, I also gave the police report number as well as the phone numbers to the police station and burglary department. She then issued a credit for XXXX charges which cleared my account quickly on XXXX/XXXX/15. 
On XXXX XXXX, I got an email stating that my account was over the limit by {$7.00}. I was puzzled because the limit for that card is {$1000.00} and at the time of the email only had a balance of {$460.00}. Earlier that morning I used the XXXX to pay my XXXX bill which was only {$130.00} which should have left me with an available balance of {$400.00}. So my husband called customer service and was connected with a Fraud Supervisor. The supervisor indicated that yes we were over our limit because the charges we had reported fraudulent were frozen to our account for 90 days until the investigation could be completed. So my question to you is, how does your company declare ZERO fraud liability when we are still being held responsible for these charges we did n't make? 
My husband and I have XXXX lines of credit totally to {$3800.00} and have nearly perfect payment history with Capital One. After going through this process, it 's clear to us that customer loyalty means nothing and so once this investigation is resolved we will be closing all XXXX of our accounts and taking our business elsewhere. I will also be filing this same complaint with the FTC and Attorney General as well as with XXXX. 
I 'm happy to discuss this with your or one of your associates further if you wish. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Medical) with United Consumers Inc (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: United Consumer Inc XXXX VA leaves messages on your voicemail " this is United Consumers and this a private message and if your not XXXX XXXX hang up and delete this message ''. If the person does n't hang up or the machine picks up it continues " this is United Consumer Inc and we are a debt collector collecting a debt from XXXX XXXX '' Sometimes when you listen to the recorded message a representative starts saying " hello hello '' Anyone who has access to the voicemail will have knowledge of the fact you have a debt and the collector. They are infringing on a persons right to privacy. Then when I discussed it with them they did n't care and kept leaving the same messages.

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 02/15/2017 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I have been in business for over 30 years. I own a XXXX. Up until about 4 years ago I was using a couple different bank accounts. Pnc bank came to my XXXX and got me to consolidate my bank accounts, credit card processing, credit cards, and lines of credit through them only. We accepted because there were multiple benefits by switching to one bank for our business and personal banking needs. Once we switched to PNC only, they were able to see how much money they could make off of us, so they continued to try to get more of our business switched to them, and away from our main credit card which is XXXX ( which we spend about {$50000.00} a month on ). We do a pretty large volume of sales, through cash and also through credit card processing. After about a year of doing business solely through PNC they contacted us regarding large cash deposits, and the frequency of them ( which was about 3 years ago from the current date ). A VP of banking came to our store location to ask us some questions regarding the deposits, and also to see our store operations. He took pictures of our XXXX square foot XXXX, the amount of merchandise we have, our previous 3 years tax returns, and at the time the most recent bank statements. After seeing our store, and the amount of volume of sales we were doing, they had a better idea of our business, and said things were fine. Recently we received a letter from PNC stating that they were closing our business account, and also my personal checking account. The form gave no explanation as to why this was happening, only a phone number to call, which they basically told us they did not have to give us a reason as to why they were closing the accounts. Their reasoning was that they no longer want to do business with us. The business is owned by me and my daughter, who also has another business she runs. Neither her personal accounts, or the seperate business accounts were closed. The local branch manager was also not able to give us an explanation as to why our accounts were being closed either. The worst part about this is not only our business checking and my personal account being closed, was that they did n't close out the credit cards, credit lines, or our credit card processing through them ( which if we decide to cancel, they will charge us 250 a month fee for the rest of the contract, about 1 year left ) Now we have to switch to another bank for business checking and personal checking, but continue to use their merchant processing, which we will get charged a monthly fee for not rolling all of our business transactions through XXXX. We do business with a very diverse clientele, XXXX, XXXX, and also XXXX customers. I am an XXXX, XXXX XXXX who is also an XXXX citizen. Does the issue that they have with us have to do with the fact of my nationality, my customers nationality, or something else? I have no idea, because we were given no exact answer as to why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing account number XXXX with Midland Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Midland Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act

Company response to consumer: Closed with explanation