milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (PA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In XX/XX/XXXX I was the victim of identity theft that initiated from taking over my cell phone SIM card and service number. On XX/XX/XXXX I again lost service to my cell phone and was told that someone claiming to be me took over my account and was now using my XXXX XXXX XXXX cell phone account and number. I then learned that this individual opened and was approved for at least three credit cards in XXXX XXXX XXXX by providing my name, my Social Security Number, my correct home address, my birth date, a Pennsylvania state-issued drivers licence ID, and my cell phone number. I have contacted the PA police and the XXXX police departments, but have been told that they are unable to help. I have put a fraud alert on my social security number. I spoke with the XXXX XXXX store clerk in XXXX and they do have video surveillance of the person who was opening two of the credit cards with my stolen identity on XX/XX/XXXX. The police departments are not concerned about helping me.

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 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XXXX is reporting a single late payment over 7 years old to my 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 non-monetary relief
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I called Wells Fargo main number told them I was depositing my federal tax refund check directly from the US Treasury into he amount of XXXX would there be a hold. they took my account came back said no we do not hold federal refund checks from the Treasury. so I wrote out checks and I am to purchase a car. I go XX/XX/XXXX to deposit and on a told it 's held till XX/XX/XXXX because I have had overdrafts. Ok so have overdrafts now I will have more I wrote checks out and they are holding my money and will not even pay those checks they will be returned NSF really!!!

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am contacting you on behalf of my XXXX  so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXX old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I made 2 payments to my mortgage servicer along with a letter explaining exactly where I wanted to have the money and they did not place it in the requested accounts. Either time. I thought that they had to comply with my requests. It was in writing and sent certified. The second payment was made as requested by them, and also went into " unapplied funds '' therefor making my mortgage look like it is delinquent. I am trying to apply for grants to help me fix up my house and my mortgage must be up to date!!! They are preventing me from doing this!!! I am enclosing all documents I am referring to. This is not the first time they have made my mortgage LOOK like it isnt paid up to date. Can you help me?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XXXX 2017. The payment was due XX/XX/17 and was paid by me on XX/XX/17, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. I was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed many claims with Transunion. I have an identical twin sister. Our first names are very similar. Our middle names are different as well as our last names. Our XXXX is XXXX digit off. My credit report has her stuff on it as well as my stuff is on her credit report. My credit was better than hers, but Transunion keeps putting her stuff on my report dropping my score drastically. Every time I dispute the result comes back you are this person when I am not. How many times do I have to correct them only for them to tell me oh thats you when it is not. Transunion sent me mail to my home address with my first name on it with my twin sisters middle name on it. They have made us into XXXX person and mixed our credit history together. Please help because this is hurting my credit. 
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 03/13/2017 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (PA).
Issue: Application, originator, mortgage broker

Complaint: I had a short sale on a mortgage in XX/XX/XXXX and my mortgage company is reporting to the credit bureaus that I am currently late on a mortgage to XXXX. They reported false information in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX There should be no changes reported since the date the mortgage settled in XXXX. It was reported as currently late again to XXXX in XX/XX/XXXX. Any lates should be removed, this was settled in XX/XX/XXXX per the attached. Stonegate acknowledged their error in the attached letter, yet I cant seem to get resolution.

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 10-12-2017 about Debt collection (Other debt) with Focus Holding Company (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the original creditor in full. I tried calling the debt collection agency and no one ever calls back. Its still reporting on my report that it is open by this debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has verified / updated informationn on XXXX credit report pertaining to multiple inaccurate late payments after account was charged off closed. I have sent portion of XXXX credit report. 
Inaccurate information has been verified / updated. 
The creditor states that Equifax is responsible for the inaccurate differences which should all be deleted. 
Inaccurate and injurious on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with Receivables Management Corporation (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX   XXXX ,   XXXX  , my husband received a voice message on his cell phone from a woman called  XXXX  from a company identifying itself as  RMC.  When I called the number back ( their number  XXXX   ),   they stated that they are a reputable debt collector. I said that I was not aware of any outstanding debt I owed and that I had not received any mailings through the  USPS regard ing any outstanding debt. They insisted that they could not tell me who their client was or what the alleged debt was that I owed until they positively confirmed my identity by me providing at least the last  XXXX  digits of my social security number or my whole social security number and my date of birth. When I refused to give them any additional personal identifying information without more information about the alleged debt, they said they could be sued if they did not positively identify me first before giving out any debt information. They were very insistent and said they were documenting my refusal to provide this information ; they intimated that my credit record could be damaged. I told them they could mail me regarding any alleged debt, and they said I had already been mailed and that I was now turned over for collections. I gave them my current address and said they could mail anything regarding this alleged debt to me. However, they kept insisting that all previous mailings had gone unanswered, and I was now in debt collection status. I finally had to hang u p. One other RMC phone  number that was provided in the voice message to my husband was  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently viewed my XXXX credit report and found a collection account listed for XXXX I did not receive any correspondence written or oral from a collection agency representing XXXX. I contacted XXXX directly and was told by the customer service department they could not retrieve an account based on the information I gave them and I would have to get in touch with the collection agency that I saw listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have received many calls from IC systems. They ask for me but I do not respond I am the person they are looking for. I have repeatedly told them not to call again but they do several times a week. they call from several numbers latest is XXXX XXXX I have blocked them each time they call but then they use a different number

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 10/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Deposits and withdrawals

Complaint: I am no longer a Wells Fargo customer. I received my social security back payment statement saying I was ineligible for back benefits for XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX. When I examined the amounts I realized that accounts were opened that I never had and large amounts of money were in those accounts. I have been unable to work since XX/XX/XXXX. This is causing a major problem with my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I actually have XXXX private loan and XXXX Stafford loan service through American Education Services. I am trying to pay above and beyond on the loans and they have messed up the form XXXX times. I have been in contact with them at least XXXX times this month. They have consistently gotten bank account information, amounts, etc. incorrect and have almost overdrafted XXXX my accounts several times. I do not believe it is unreasonable to not expect to sit on the phone every single night for hours to get this right. I am EXTREMELY happy with other service providers and only want to move my loans to these providers and not AES.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Olympic Collection Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am currently trying to pay a debt that totals {$58.00} and I am trying to make {$5.00} payments until the debt is paid and the collector is stating she can only take payments of {$50.00} or more. How am I supposed to pay off these debt if I am a single mother of XXXX and helping my elderly parents? Unfortunately we all do n't have incomes that allow us to make {$50.00} payments without worrying about food, gas and other essentials. She is threatening to take legal action when I am trying to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have noticed a series of unauthorized inquires on my Equifax report that I want thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On  XXXX   XXXX ,    2015 I re ceived a call fro m Chase to verify  some activities on my account. I told the rep then that I have n't done anything in my account and did n't recognize any of the transactions from the particular account they were referring to. ( At the time I had  XXXX  accounts wit h Chase ).  So that 's when I realized that I had lost my debt card and also informed the rep of this as well. Not only were they able to gain access to my online banking but also made changes on my account. On this same date  XXXX  check deposits were made for {$740.00} and {$760.00}, then on  XXXX   XXXX ,  2015   XXXX  more check deposits were made of {$740.00} and {$740.00}. Which were desposited via ATM in  XXXX , IL, I live in  XXXX   XXXX , NJ. They were some construction company checks that I 've never heard of.     In my account at that time was my rent amount of {$1500.00}, which was taken out via ATM withdrawal on  XXXX   XXXX ,    2015. On ce these checks were in the account they withdrew the monies as money orders for those same amounts listed above. I went back and forth with Chase for almost a week signing documents, questionnaires and dealing with some supervisors over the phone with nothing to be accomplished.     Even until after the holidays I was n't able to get this matter resolved until they finally decided that they were going to close all of my accounts with Chase and not be refunded {$1500.00} the monies that was withdrawn from my account at the time the whole fraud case began. But they are also penalizing me for monies owed to them in the amount of {$2300.00}. And wo n't be able to do business with them for the next 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing multiple fraudulent accounts on my credit reports with XXXX, Equifax and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was stolen in a data breach at Equifax from mid-XX/XX/XXXXthrough XX/XX/XXXX. The hackers accessed my name, Social Security number, birth date, address and possibly my driver 's license number and credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Med-1 Solutions, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a hospital bill that I disputed with the hospital. I was told to resubmitt the bill to my insurance company, my insurance company paid the bill with leaving me a smaller balance. I started making monthly payments on the bill, when I was contact by this debt collector attempting to collocet the orignal full amount. I explainded to them that the amount was trying to collect was incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Bank of America and live in XXXX, KY. Since Bank of America does not have any branch, office or ATM locations in my city it is not practical for me to have my checking account with them. 
I recently attempted to make a principal only payment to Bank of America online. Their online service prohibits me from making this simple action. Instead, it requires that I may my normal monthly payment plus any additional principal payment. Since this is an extra payment, they put the loan in a " paid ahead '' status - meaning it was not fully applied to principal. If I had not been paying attention I would not have received any credit for paying the extra payment. When I called BofA, they did " move the payment '' to principal and explained that if I was their checking account customer I would be " allowed '' to make a principal only payment online but since I am not their checking account customer I am not permitted to do so. In essence, they are penalizing me for their failure to open locations in markets that they lend to. My loan was bought by BofA, I had not control over them becoming my lender. Why should I have to take time every month that I make a principal only payment to call them and tell them how to do their jobs? How many of their customers have not paid attention and ended up paying untold amounts of extra interest charges when they thought they were making a principal only payment? This seems both unfair and deceptive in my opinion and the fact that I have to take my time to straighten out is abusive on my time. If I could move my loan to XXXX I 'd do it in a heartbeat. I do not have any deposit banking relationship with XXXX but they still allow me to make principal only payments on a mortgage loan with 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 explanation
Consumer complaint received 07-09-2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Berlin-Wheeler, Inc-MO is apparently a collection agency. They are reporting a {$50.00} collection from my primary care physician XXXX XXXX XXXX. My doctor requires all co-payments be made at the time of visit as this {$50.00} was paid. I 've returned to my physician many times since then and they have never inquired or requested {$50.00} as stated. The contact information from Berlin-Wheeler is XXXX. XXXX XXXX in XXXX XXXX, MO XXXX. XXXX : XXXX and use account # XXXX. Also use Address ID # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with Coast to Coast Financial Solutions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Recently I ordered a copy of my credit report and discovered that a collection agency by the name cost to coast financial is reporting a negative account to my credit report in regards to a XXXX XXXX XXXX   company. This is not my account. I have never done business with this company. I tried to resolve the issue with them but they have refused due to a document with my name and a signature that is not mine. They do not have my Social Security Number or my Drivers License as proof that this debt was obtained by me. Anyone could have used my information and signed for it.

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