milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On 2014 I took the big decision to move from XXXX XXXX to USA ( XXXX, XXXX ) to start new with my fiancee and XXXX daughters. I 've been a successful student and business person in XXXX XXXX and an example citizen. Recent after opening a checking account on Bank of America, I deposited a couple of pay checks ( computer/business checks ) from my previous employer from XXXX XXXX to my BoA account. Only XXXX of them bounce back as a " bad check '' for a really small amount of around {$200.00}. Bank of America automatically without notice closed my account for " fraud/bad check '' and now I 've been flagged as if I were some kind of criminal, when I 've never in my life have n't even taken a piece of gum without paying it. This is frustrating. I do n't owe BoA any money, everything was paid of in cash at a local branch. I tried contacting BoA at local branches, corporate offices, and by phone, none of them helpful, I get the same answer, BoA flag as a fraud check and there 's nothing we can do ''. So now I have to wait 7-10 years so I can have my finance life back? This is NOT FAIR at all. I should not pay this consequences, much less my fiancee who has nothing to do with this, she was just an authorized person on my account to have access to a debit card and be able to make purchase with my hard earned money. Please investigate BoA and my disputes, all I want is to be removed from the XXXX and be able to open a regular checking account at any bank like XXXX, XXXX XXXX, etc. I have great relationship with local banks in XXXX XXXX that can vouch for me, including the biggest bank in XXXX XXXX, the XXXX XXXX XXXX, which I have accounts for XXXX years now. Please help get my life back, buy a house, get a checking accounts for direct deposit, and more. 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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: To Whom It May Concern My Na me is    XXXX   XXXX   XXXX   m y complaint is with    XXXX   XXXX   XXXX   XXXX   is two  parts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX   in  XX/XX/XXXX   XXXX  in doing so it was not aware that recommit my loan with    XXXX   XXXX   XXXX   XXXX   ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX   XXXX  . we were told by the person handling the modification process with    XXXX   XXXX   that for us to qualify for the modification, we  had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted   XXXX   XXXX    about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is XXXX of XXXX accounts that reports perfect payment history on my equifax report but yet reflects as a charged off account in the comments remarks section on my report. How can a account be charged off but yet has a perfect payment history. This is inacurate false and misleading and has cause my overall credit file not reflect my true character.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm desperately asking for your help with my mortgage Servicing company Ocwen Loan Servicing & the investor of my mortgage loan XXXX XXXX. I have been living in my house since XX/XX/XXXX. I bought my property at a very high value of {$890000.00} at that time. Now my property is worth half of that. I 'm a struggling home owner, I have a daughter that is going through XXXX at this time and It has been extremely difficult morally, financially and XXXX. I do n't want to lose my home at this time when my daughter is going through this difficult time. We have nowhere to go. 
I have asked Ocwen Loan Servicing to help me out but apparently the investor of my loan XXXX XXXX does not want to help me out. On XXXX XXXX, XXXX they have denied me for a loan modification. When XXXX XXXX needed help during the government bailouts, XXXX XXXX took more than XXXX dollars of from us tax payers, and I believe they paid back the money, but my point is that everyone needs help at one point and for me unfortunately I 'm asking for help a second time. 
Today I 'm asking you as a representative of the people to help me in pursuing Ocwen Loan Servicing & XXXX XXXX to help me so I wo n't lose my property. I became late in my mortgage payments because the reduction in my monthly income. I was a self-employed driver for years and had my own business. Due to business failure I had to close down my business and became a XXXX employee at a company. As a XXXX employee I 'm not making as much money as I used to. However I not only a XXXX employee but now a part-time self-employed as well. Starting XX/XX/XXXX I have been getting money a self employed and my XXXX job. It has been a very tough time and sometimes I work 16hrs a day but I have no choice but to keep working because I want to save my home. I am the only one working and I 'm also renting the XXXX unit on my property. Recently I have demostrated Ocwen Loan Servicing that I make the sufficeint money to maintain a payment but they have refused to help me. All I 'm asking is to please put all the payments on delinquent in back of the loan and I can resume making payments as usual. I can not pay all the payments I 'm behind but I do need help to catch up. I do n't want to lose my house, I can now start makng payments since in the last few months I have been having a higher and steady income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Recovery Services, Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled a copy of my XXXX credit report for review and noticed an item from Southwest Recovery Services on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XX/XX/XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is reporting a debt to credit bureau and never sent me a letter. I have sent them a letter requesting verification and have not received a response.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this Inaccurate reporting with all three credit bureaus Equifax, XXXX and XXXX. Each time it comes back as verified but the information is still incorrect. I have contacted the Original Creditor XXXX XXXX XXXX as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XX/XX/XXXX Payment History show as 60 day late for XX/XX/XXXX.
Date of First Delinquency show as XX/XX/XXXX Credit Report show 30 day for XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, Equifax and, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
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: Chase card services reported the card charged off as of XX/XX/XXXX. In XX/XX/XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX XXXX, my XXXX tax refund was offset by GC Services who has purchased my student loan account from the Dept. of Education.When I initially contacted GC services they ignored my request for any proof that I owed any money to them. 
I decided to take my dispute up with XXXX, who later advised me that the debt was valid w/o so much of proof provided. 
So I decided to take it a step further and request GC Services validate the debt sent certified mail on XXXX/XXXX/XXXX and which they received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from GC Services indicating that I received a loan from XXXX University. Since I never attended XXXX University, I requested a formal letter from the school indicating that I never attended and borrow any Title VI loans from there school. The notice and proff was sent again certified mail on XXXX/XXXX/XXXX and signed for on XXXX/XXXX/XXXX. 
It has been now 16 days and I see that GC Services not only has the amount listed on all XXXX credit bureaus as a derogatory account, but still has a balance owing of around {$3000.00} in which they just assigned back to the government for collection. I feel since they know they did not have the right to collect {$7200.00} on this account and I was seeking reimbursement, they decided to sale the account by taking my money and running.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit card () with Alliance Data Card Services (OR).
Issue: Other

Complaint: I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I received my escrow analysis XX/XX/2016 stating there is a shortage in the amount of {$270.00} and if made in full by XX/XX/2016 my mortgage payment would be {$950.00}. I made four payments in the amount of {$70.00} totaling {$280.00}, final payment received by Chase was XX/XX/2016. I have made three ( 3 ) calls to the customer service area trying to get this corrected as they have applied the escrow payments to everything but the escrow account. I received a statement XX/XX/XXXX stating my payments were {$970.00}, this was paid, then I received another statement XX/XX/XXXX after the 3rd call stating the payment amount starting for XX/XX/2016 will be {$960.00}. For the next 11 months there is a difference in favor of Chase of {$150.00} from what my escrow statement stated my payment of {$950.00} should be once the {$270.00} shortage was paid. Every year my escrow is short and I can never understand why, I make the additional payments through out the year and the funds never seem to add up. I am requesting assistance in getting this corrected as I do n't seem to be getting anywhere with the customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (I do not know) with Alliance Data Card Services (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX - paypal credit sent a bill to me and I have never seen this account before. The charges were for little amounts and I have no idea what they are for. I called the number on the statement and asked them to close this account and to dispute all the charges. They would not give any information on what the items were. XX/XX/XXXX XXXX received letters stating that the charges were valid and the case was closed. Contacted the paypal credit and asked to speak to supervisor. The ladies name was XXXX and she refused to supply me with a last name or id number. She stated that the charges were made using the same ip address. I asked her how the account is accessed and she said through email. The email address is not my email address and she refused to tell me what the email address was. How can someone have my social security number and use and account to order items I have never heard of. She refused to give me any information on the account that is supposed to be mine. She stated she the account was not closed from the prior week and asked that she close the account for the second time. I even tried to google the names of the charges on the credit card statement and was unable to find information. These are not charges made by me or my wife and I do not understand how they can refuse to dispute the charges. The amount is very little - but it is still the point that these are not valid charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have notified Experian several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never lived on XXXX and I never filed bankruptcy or event attempt to file bankruptcy.

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 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am contacting your agency in hopes you can help me get in touch with my bank Chase XXXX XXXX. I am dissatisfied with the manner at which my bank handled my disputes. And I would like to request that they re- investigate them. Back on XXXX XXXX XXXX I got contacted by XXXX XXXX XXXX XXXX XXXX XXXX, for an online business opportunity, they charged my card a total of {$14000.00} and they did not provide the services as described. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I tried disputing this two years ago and the address is incorrect. It does not belong on my profile. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 11-10-2015 about Money transfers (International money transfer) with Remitly, Inc. (MN).
Issue: Fraud or scam

Complaint: I needed to send money to a person XXXX. I could not find a Swift Code to wire the money to her bank account. I submitted a request via XXXX an online service to transfer a substantial amount of money to this individual. Once they collected my credit card information and personal information, they called me and requested photo documentation of a passport or drivers license. I considered this suspicious and had to cancel my credit card. Now I have no card for 10 day and will have to change the number on any accounts I have for automatic withdrawal. Do not trust this company!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (FL).
Issue: Closing on a mortgage

Complaint: hello my name is XXXX XXXX. i 'm in dire need of ur assistance. re : hamp, my pay for perfornance incentive. facts : im in my 6th year to rec'v $ XXXX. my anniv. date is XX/XX/XXXX. i 'm closing XX/XX/XXXX altho ' im in good standing my mortgage company is saying i need letter from treasury to say okay to close and still rec'v my incentive of $ XXXX. since i still lived here on anniv. date. and closing 3 days after anniv date. otherwise, they will not pay me. can you please help me? i wish to close on XX/XX/XXXX and not XX/XX/XXXX. it messes everything up. i had just spoken to treasury dept this morning, and guy told me treasury is n't paying me directly ( he checked using my ss number ) treasury is paying your mtg company, so as long as you are in your home on your anniv. date of XX/XX/XXXX, i  should be entitled to my final payment. to call my mtg company. i just did and left message. can you pls call me? i have been in contact with XXXX XXXX since XX/XX/XXXX ; first the denial of my $ XXXX was bcos i was not in good standing, i proved i was, she checked with my mtg company who agreed with me ( XXXX ) that i was in good standing. then i was n't eligible bcos i am closing XX/XX/XXXX, and my anniv date is XX/XX/XXXX. so i moved it to XX/XX/XXXX. to play it safe. now, its bcos treasury is paying them around XX/XX/XXXX, so since my loan has been paid in full i am not getting my monies. since when it goes by when treasury issues funds to mtg co?? its the anniversary date from what i been told 7 years ago!! i did all i could by calling everyone for help including writing letter to President Trump this morning. I can not afford to change my closing date, as it will cost me more monies with airlines ( for moving men to fly home ), rental truck, etc ... .. i am XXXX years of age and certainly do n't need this stress or runaround. i called XXXX XXXX XXXX this morning letting her know that i s/w treasury, and he told me its not federal, and not paying me directly. pmt made to mortgage company and they can send me seperate check to new home address when pmt is received to them by treasury. yet they seem to fight me on this. please help me. i 've done all i can. thank you for your time and attn. sincerely, 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 explanation
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written requesting legal validation and received no response

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OK).
Issue: Other transaction problem

Complaint: I 'm waiting for a new card to come in the mail but my current one is still activated. I ca n't scan it through machines because the magnetic strip is damaged but I can still pay for things online. The only access to money I have is sending myself cash from my bank to  XXXX    XXXX   or moneygram  or to drive   XXXX   XXXX  hours to my bank. They have both denied letting me send cash to myself and I have a car payment and issurance payment right around the corner. I 'm extremely displeased and they even blocked me sending money to family or friends so they can pay my car and insurance payments. I 'd like this settle asap. I 'm in the military and believe I deserve more respect than to be denied MY OWN money that work hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Student loan (Federal student loan servicing) with EdFinancial Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX is reporting XXXX accounts with XXXX missed payments. Accounts are dated 2006 and should be deleted since they are over 7 years old.

Company response to consumer: Closed with explanation