milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
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: Bank of America has continued to provide false information on my credit files. XXXX XXXX and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the XXXX Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from BOA indicating that I was NOT LATE. This has been and ongoing issue with clear violations by BOA and continued by XXXX XXXX and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes BOA letter dated XX/XX/XXXX responding to my payment dispute and request for correction BOA letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX BOA XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: In recent months, I have worked hard to rebuild my credit and paid accounts I did owe. However, there is an account I did not recognize by a company known as  XXXX   XXXX  through my credit report on Experian. I have no recollection of opening an account or authorizing any of my information for collection with   XXXX  . I contacted  XXXX   XXXX  on the number that was provided on my credit report on  XXXX   XXXX ,   XXXX   and requested my application and any other authorizations for validity. The representatives and supervisors whom I spoke with failed to provide any documentation that the account is mine to my mailing/home address and email. As of my last known dispute on  XXXX   XXXX ,   XXXX  , in which I challenged ownership of this account, Experian declared that the account shall remain on my report. When I requested for their method of verificatio n ( FCRA Section 611 ( a ) ( 7 ) ), Ex perian replied that all they did was send a request to  XXXX   XXXX  with no documentation provided to me from the furnisher that the account is mine. I contacted  XXXX  again on  XXXX   XXXX ,   XXXX   and spoke to  XXXX   XXXX  in thei r Vendor Services depa rtment which record-keep applications and other authorization documents. I provided my full name, full social security number, and other information to her, and she found nothing that ties me to that account at all. I contacted Experian shortly thereafter to conduct a conference call as proof and they were non-compliant in accordance to ( FCRA Sectio n 616 ), as well as being told by their supervisor stating that, it did not matter whether or not I authorized the account, the fact that they have my social security number gives them the right report onto my credit file. Hearing this statement hints to me the allowance of fraudulent reporting between these two com panies and Experians reporting practices.     Attached to this complaint is my Experian Credit Report as  XXXX / XXXX /  XXXX   and they can be found on the bottom of th e 8th page as well my personal identification such as my drivers   license and ssn.

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 05/23/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: I have tried to fix my problems. I was under a high-interest rate that affected my ability to pay when I lost my job. I qualified for several loan modifications all denied because I did not make enough money to repay the loan modification and the repayment plan which was never accepted by the company. they made so hard to get the modification I eventually had to file for chapter  XXXX . I want the difference of interest rate repaid to me. and the outstanding amount that I became in the rears w ith of 35,000 while   waiting for help with my high-interest loan. the company messed up my credit and my financial situation in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Other

Complaint: I had a credit card with Chase Bank that I unfortunately let fall behind and it was charged off in XXXX XXXX. I began making payments in XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX collecting on behalf of Chase Bank XXXX In very early XXXX, I contacted Chase Bank to discuss the way the charged off account was reporting to the XXXX. It was reporting as a Charge-Off every month even though I was making a payment as we agreed every month. Chase assured me that once the account was paid as I agreed with XXXX, the past payments would be updated and that they could not do anything about it until that point because they would not get my file until then ( they said XXXX would send my payments to them after it was paid ). I am attaching the checks I have copies of from my bank. I actually made a couple payments before this as well but my online banking would only go back so far. 
This account was paid as agreed in XXXX XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: My husband and I 's minivan was totaled in XXXX of 2016. Someone without insurance ran a stop sign and hit the back end of our van, even causing it to somehow catch on fire! Anyway it was considered a total loss. Thankfully we had GAP insurance. Come to find out that our GAP insurance company did not pay the full amount they were obligated to pay. I talked to both the lein holder and the GAP insurance company and both parties were saying that the other one was wrong/had the wrong amount that GAP needed to pay to cover the remaining balance of the vehicle. Eventually there was a balance with accrued interest left on my account with the lien holder and it went on my credit report as a 30 days late payment since there had been no payment. I had to end up paying XXXX dollars just to prevent the account from going 60 days past due. Although my lein holder was sympathetic to my situation they have refused to remove the 30 days late payment from my credit. During all the talks I had with them -- they did admit it was the GAP insurance company 's fault that my account went past due and since then they have wrote off the remaining balance on my account which was about XXXX bucks. But i still have this issue with my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went through the process on www.annualcreditreport.com and asked for 2 free annual credit reports : XXXX and Transunion. I got the XXXX report, but this is the 2nd time in 2 years I was unable to review my Transunion report. They ask questions that are not answerable : they asked under what name I have used for credit and the ones they suggested are incorrect and ... 

HOW CAN I KNOW WHAT INCORRECT NAMES THEY HAVE RECORDED FOR ME WITHOUT SEEING THEIR REPORT??? 

Also, every one of the 3 first questions they asked were " NO, does not apply to me ''. 

So I went of TRANSUNION web site to request it there, but on the 2nd step, they asked for a credit card number ( which by the way, they made no mention of price!! ). ALSO, they forced me to *not* use spaces in my own name on their web site ... which my name does have!!! That's not a technical limitation anywhere in 2018 except with a company that obviously is discriminating against non-Anglo people. 

Transunion is I believe FRAUDULENT. BTW, my credit score is above 800, so this is not about anything else than me wanting to review what they have in my credit file. From the problems I've experienced now TWICE over the years getting access to MY information, I suspect problems in the file.

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 04-02-2018 about Debt collection (I do not know) with MRS BPO, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a dispute letter asking this company to validate this debt they say I owe on XX/XX/2018. They received the dispute letter XX/XX/2018 at XXXX. In the letter it states the following : Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

After they received my dispute letter they flagged my credit report again as a collection account. In states that all collection activity is to cease until they validate this account and proof it is mine. They did not abide by the law. 

Please pay attention to all the dates on my attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Io, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown and I have never had business with this company.

Company response to consumer: Closed
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted an investigation request on XX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.

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 12/14/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I am about to pay off a loan with Wells Fargo Dealer Services. I am down to the final payment. Wells Fargo has twice increased the amount of the monthly payments for insurance that I not only did not need but did not ask for. They repossessed the car three times and every time I was able to find the towing company that took the car and pay the fines to get the car back. I have also not missed a payment in over 2 years, even while paying additional insurance. They double dipped on the insurance and I am not sure it was even legal to begin with. I just want this company to remove the late payments from my credit history. This never would have happened if they just left payment amount alone.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries on my credit report that I do not recognize and I did not authorize that I will like to be deleted from my credit report.. Thanks

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 07/17/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX ct # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX & XXXX # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Trouble during payment process

Complaint: I currently have a Mortgage with Carrington Mortgage ( CM ). The Loan has an Escrow account for the Taxes & Insurance. The County I reside in no longer requires I pay the School Tax after I turn XXXX. I will be XXXX this XX/XX/XXXX. Therefore, the XXXXchool Tax will no longer be required to be paid in XXXX. I have forwarded a letter to CM from the County Tax Commissioner stating that I will be exempt from the School Tax in XXXX. CM is aware of this, yet refuses to lower my monthly Escrow collection accordingly. Why is CM allowed to collect the additional funds from me when they have been notified that the funds are no longer required to be collected? I, as a Senior Citizen, can use the approx. {$96.00} per month better than CM can. Please help me with this issue. CM is a Large Corporation and I am just one Man. I do n't know who else to turn to for help except you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I started a loan Mod. With OCWEN & they stated after 4 time 's sending them all the info they requested they are saying they never received it but when I call they say they received it but the info from XXXX XXXX XXXX was the wrong paper work needed & so I went & got the new info right from my bank & SSD & SSI & again they say they did not receive it & then I get a letter from them saying it was not the correct info that they needed & now last month they are to take the payment out of my bank automatically on the 15th of every month {$890.00} but last month XXXX/XXXX/XXXX they did not take it out & I called them & said a late payment was applied & after arguing with them for over a hour with a person that could not speak or understand English what so ever said I would have to file a dispute & I said no this is OCWENS fault & he said they will foreclose on me for not making payments on time & I said they were the one 's that did not take my payment & finally he said it was there fault & he would fix it but not this month XXXX/XXXX/XXXX it is now XXXX/XXXX/XXXX & they still have not taken payment out again & I am so afraid that they are going to try to foreclose on me like they have done with a LOT of others. I have never missed or been late on payments until after I started this loan mod that I wanted a refinance of my loan with them since I have great credit but I think OCWEN is trying to make my credit bad with not taking my payment on the date due & trying to charge me late payments that was late because of them. Also over the years I have paid more on insurance & Taxes that was needed & when I asked were the extra $ went, I got hung up on.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I did sign for a PLUS loan for my sons tuition. The PLUS loan was pushed by the schools representative. After I signed the original loan document, my son somehow got XXXX more loans under this same loan agreement ; in addition to XXXX other private loans which are being dealt with separately. After graduation, my son dealt with NAVIENT, XXXX XXXX, XXXX XXXX, or whatever name they go under at the time. NAVIENT allowed my son to do a loan consolidation, and XXXX loan rehabilitations, all without my consent or knowledge. 
Of course all of these added to the balance of the loan. Finally ; after NAVIENT lost track of where my son was living, they started contacting me about paying the loan. By now ; with all of the transactions that they made with my son, they had the balance to over $ XXXX-dollars. I contacted their offices several times attempting to get some explanation of the charges that they were billing me for. I have XXXX sons that have student loans and I had no idea of what loan this was or even who the loan belonged to. It took several months, and a statement from me calling this a fraudulent collection attempt, for them to supply me with a signed loan document so that I could identify what loan they were referencing. After I was supplied with the signed loan document, I continued to contact the NAVIENT offices to get further clarification on the additional charges, including the additional loans, loan consolidation, and loan rehabilitations, as I had not authorized any of these. I received very little cooperation from NAVIENT. The most that they would do is repeatedly send me typed documents with the charges listed. Finally ; after threats of wage garnishments, I had entered into an agreement to make monthly payments to NAVIENT to avoid the wage garnishment. But ; before the agreement reached whatever office for final approval, NAVIENT proceeded with a wage garnishment through their collection agency, GENERAL REVENUE CORPORATION. I admit to owing the original loan, and I continue to propose reasonable repayment offers ; But I receive zero cooperation from NAVIENT or GENERAL REVENUE CORPORATION. The only reply from NAVIENT is that they refuse to negotiate loan settlements. I feel that NAVIENT fraudulently negotiated additional loans, consolidations, and rehabilitations with my son without my consent, driving up the balance on the loan, and now they are refusing to accept any liability for their actions, and refusing to negotiate a reasonable repayment arrangement. I am attempting to come to a reasonable resolution on this matter before I retire from my job ; But NAVIENT and GENERAL REVENUE CORPORATION seems to be more interested in dragging out wage garnishments for years on end rather than negotiating reasonable repayment settlements. I feel that the Federal Government should step in to recover the Federal Student Aid funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Payday loan debt) with JPMORGAN CHASE & CO. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX and an ex-family member received a phone call from the following number : XXXX from a XXXX XXXX. The woman will not tell me the name of the company she is with and continues to threaten to have me arrested. When I told her I was going to file a complaint against them and she needed to tell me the company name, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Deposits and withdrawals

Complaint: JP Morgan  Chase Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX  on  XXXX   XXXX ,  XXXX  ; at approximately  XXXX  a.m. ) refused to accept a cash deposit ( under {$220.00} ). I was informed that it was policy that cash deposits can only be made to an account by the account holder or an individual listed on the account. They offered to take my cash and issue a money order, then deposit that ( that is what I had done when I encountered this issue with them in  XXXX   XXXX  ). But I do not have an account with them, so they said that was against their policy to issue a money order to me. I was advised to write a check or take a  cash advance  from my debit card or go to  XXXX  and get a money order and come back. I was never asked if I had a government issued ID.   I suspect this is a policy and against federal law and a way to avoid the IRS rules as noted on the Federal Reserve  Board  website. I also suspect this is a method of floating deposits by placing a hold on deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX / SYNCHRONY BANK has started charging me a new fee called a card security fee. I did not authorize this fee and when I tried contacting them, they did not help me by canceling the fee. It is my understanding that this is some kind of payment protection. I don't want it. I didn't authorize it and I don't understand why they added this " benefit '' without my authorization. I want this fee taken off my account and the money they have already collected from me for this fee refunded.

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