milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I applied for a PayPal credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, PayPal Credit ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A XXXX XXXX XXXX XXXX ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO XXXX XXXX XXXX FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XX/XX/XXXX. I CALLED BOTH XXXX XXXX XXXX XXXX   AND BANK OF AMERICA. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH BANK OF AMERICA AND XXXX XXXX XXXX XXXX XXXX FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.

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 11/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I had refinanced my Mortgage from Wells Fargo, Loan XXXX, paying this off XXXX XXXX. Once I saw my escrow account had been refunded XXXX XXXX, I saw an additionall deduction for Mortgage Insurance XXXX XXXX which I do not believe was disclosed in the Payoff Statement. Payoff Statement in XXXX showed XXXX, upon a payment XX/XX/XXXX, the payoff on XXXX XXXX was higher at XXXX. Upon a payoff statement in XX/XX/XXXX after another payment, this was XXXX. I believe Wells Fargo Payoff Statements to be misleading due to the amount going up after an on-time payment. 
My additional statement as to why this was misleading is the language does not cover an additional deduction after payoff, the figures show prorated Mortgage Insurance included in the payoff figure, nothing else. Language in the statement XXXX XXXX indicated for a XXXX XXXX payoff, " to avoid paying an extra month of interest, you ' want to arrange your closing so the payoff funds reach us on or before the first business day of the month. '' For this language, I feel the {$130.00} taken in XX/XX/XXXX prior to their refund of the escrow is owed. I do not trust Wells Fargo as customer service is insincere and seems to transfer people unnecessarily and leaves this to their Executive Office. I was contacted by a XXXX XXXX who indicates he is working on this and he imposed a deadline of XX/XX/XXXX to get back to me. I want to ensure that Wells Fargo is not taking advantage of other customers and is properly administrating these loans and including the appropriate language, including providing accurate payoff amounts, which as mentioned, I do not feel I received.

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 02/25/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 14 years ago I got calls for XXXX from collection people. I told them all to stop calling I AM NOT XXXX. NEVER knew XXXX. STOP. CALLING. 
They stopped but to this day my credit report has AKA XXXX. XXXX times I have sent letters to all XXXX credit co. I Have NEVER gotten a response. 
I tried to start my social security retirement on line but when asked questions to verify my identity I got the questions wrong. I was asked questions about recent transactions and I have none. I have no major purchases. I bought a new FORD FUSION for cash three years ago. When I tried to renew my passport I got those questions wrong too. I have to drive XXXX miles to a government office to prove who I am. This STINKS. 
I want the AKA of XXXX removed from my GOOD name and credit. 
I would like to know who has the authority to place an AKA on my report. 
I would like to sue for slander who ever did this to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a reverse mortgage that is now all used up. The interest rate I am being charged is supposed to be based on the LIBOR but is, so far as I can tell, higher. When I 've written to the company ( Reverse Mortgage Solutions ) to complain, they say the rate is based on the XXXX XXXX XXXX published rate. But that rate, as I understand it, is, in fact, the LIBOR.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Trouble during payment process

Complaint: Citizens Bank purchased condominium insurance on my behalf after they had received the condo insurance. This is a fraudulent attempt to charge for a condominium insurance that is not needed as the condo insurance is already in place.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Closing on a mortgage

Complaint: I applied for an FHA mortgage with Quicken Loans agent XXXX XXXX and was pre approved signed a contract for a 30yr mortgage onXX/XX/XXXX. His mortgage license number is XXXX. None of my credit score or financial information has changed in the past few days but Quicken Loans changed their offer to a 15yr mortgage todayXX/XX/XXXX and claim that is the only way to finance the home. This is a bait and switch which is a violation of consumer laws. I would greatly appreciate your assistance in fully investigating their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I reported my card stolen in XX/XX/XXXX there was fraud activity on my account, the and investigations was concluded and found there was100 % fraud. 
I was refunded the money back. 

However on XX/XX/XXXX I was recharged the charges I initially disputed though the fraud investigation. 
I have not been given a reason as to why the charges were recharged back into my account. 
On XX/XX/XXXX a fraud manager manager by the name of XXXX clafiried to me. 
That the investigation was over, and capitol one credit card make errors and caused confusion to the client and distress. 

I have been humiliated by capitol one staff, they have treated me rudeness and disrespect. 
I was told the money would be credit it back into my account and it never did.

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

Complaint: I have a negative pay status hurting my credit and its been paid a year ago. Its a medical bill that wasnt paid, and went to collection. So its listed as " Other '' and not medical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wish to report suspicious activity of a collector. On XX/XX/XXXX at XXXX AM, I was contacted by a " XXXX '' from phone number ( XXXX ) XXXX, claiming he represented Southwest Credit Systems. He was attempting to collect a debt owed to XXXX ( presumably XXXX ) in the amount of {$52.00} from XXXX. He confirmed the last four digits of my social security number. 

However, he then confirmed an address on XXXX in XXXX. I disputed that, as I have never lived at that address or even in XXXX. He said they have my driver 's license information. I asked what state issued the license. He confirmed the state of XXXX. I do not have an XXXX driver 's license. He then asked if I was [ First Name ] [ Wrong Middle Initial ] [ Last Name ] ''. I said I was not, and provided my name. 

At that point he gave me a fax number to send a letter to dispute the debt. I found a sample letter on the federal government 's website, and modified it to fit my situation. I am attaching a copy of what I sent. 

I am reporting this to you, as the situation is highly suspicious to me. I was worried I was the victim of identity theft, but my credit report not only has no fraudulent claims on it, but it also did not have this debt listed either. I am not sure how Southwest Credit Systems could have contacted me at my cell phone number without doing some form of credit report or credit check to get my information. Any review of the information on the credit report would have indicated to them I did not live at the address. The fact they have not put this debt on my credit report seems to indicate they are aware I am not responsible for the debt, but this is an attempt to collect the money from someone, anyone, any way they can. I believe their contacting me is an attempt to fraudulently collect money from me to resolve a debt they know I did n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, XXXX I borrowed {$600000.00} from XXXX to purchase a house. I fully repaid that loan on XXXX XXXX, XXXX. However, the bank failed to report this significant transaction to the credit bureaus. They acknowledge their responsibility to do so. However, they say that they attempt to report this transaction to the XXXX main credit agencies " manually '' but the credit bureaus apparently are unable or unwilling to receive credit information " manually '' ( whatever that means ). 
I have an unfair negative credit rating. It does not reflect reality, but it complicates my life immensely. Please, help resolve this matter. I would like to propose XXXX alternative solutions : 1 - If XXXX is unable to deliver its side of the bargain they should reimburse me for all the interest and the fees that I paid them in good faith. 2 - Help our nation 's XXXX major credit agencies to become a bit more flexible. I am sure that I am not the only one who is unfairly penalized due to their lack of flexibility. 
Please see XXXX attachments:1. My letter to XXXX of XXXX XXXX, XXXX2. The response I received from the bank dated XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows a 90 day late payment for XX/XX/2015. This is an error and was in forbearance for that time. The account is in good standing and have spoke to them about this a few times and was assured the issues would be resolved. Still on my credit report 3 years later.

The payment history/rating is incorrect.

The creditor agreed to change account information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with PENTAGON FEDERAL CREDIT UNION (MI).
Issue: Balance transfer

Complaint: I truly do not like filing this complaint against PenFed, overall they provide a great product and their representatives have always been respectful. However, their needs to be a policy change on how Balance transfers to Navy Federal Credit Union are handled. 
On XXXX/XXXX/2017 I took advantage of a promo to transfer balances at 0 % interest for 12 months. 
I transfered {$2700.00} to my Navy Federal credit Union account and provided all the correct information. However, the balance transfer was mailed to XXXX. Now XXXX separate reps. for Pended has informed me this is Penfed 's mistake and is will takes weeks or longer to receive the check back. 
My complaint : if Pended ; s recognizes this is their mistake, why are they not take responsibility. why is the {$2700.00} still on my account and deducted from my available credit. Why has n't PenFed simply stop payment? I am unable to reassure that balance transfer until the account is credited. 
Lastly, why are the balance being reported to the credit bureaus including the {$2700.00} balance transfer?

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 06/27/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NE).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX of my many complaints to date from XXXX XXXX use of fraund, many round a rounds that i trust would not be the end to date that was and continues. Laws FHA but only home owners protect agfter a certain date? Added wrongs..i have a huge list, documents, proof and people..but no rights..then or to date to all that no one would or was welling to assist myself and children. Extreme damage added..along with never avoice, right to defend, ,all and still no right to my overage? Who is responsible if not this office to help..none of many to stop what is and believe to be void anyway dio to some steps but with out rights..to show proof..all that could of saved not only our home but my family. WHO is there?? No one. Missed XXXX payment..single parent..good credit..now still asking who..why? SAD..guess crime pays not honest hard working people..even when Laws SET? say different. Doing time for others crimes..says it all. People who walked asway from there homes recieved money in the claims..less work for the offices..who get paid to do a job ..then assist in the rights and proof to what continues to go on. BANKS RUN OUR COUNTY..only answer there is! Laws..and my huge file to no ones importance but myself and kids..sad! YEP..loss due to XXXX payment..oh until the ones the took, never returned or applied until the said " we will apply those to pay your loan in full. ". fine print..our loss.. 
my complaint may be off but all true but why step by step..been there done that and todate..venting..knowing my complaint does not matter. all below apply but i will pick XXXX so at least my words will go through.. 

I will continue until someone helps me understand..but there no under standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of 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 01/31/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Filed for Chapter XXXX bankruptcy XX/XX/XXXX Loan servicer ( Ocwen ) offered a modification XX/XX/XXXX. The modification was to begin XX/XX/XXXX. It was to end XX/XX/XXXX. 
Accepted modification completing all specified steps required to do so. 
Mortgage payment statement changed XX/XX/XXXX. 
XX/XX/XXXX the Ocwen statement increased by over {$1400.00} US. 
Ocwen stated that the period of an interest-only agreement had ended. 

We agreed to a modification not a 5 year only interest only agreement. I am making the payment ( XXXX ) consistent with the modification agreement. I have retained in hopes that the matter could be resolved quickly without destroying mat already-poor credit rating. Both the lawyer and the servicer are unresponsive. Meanwhile it looks as if we may lose our home. We are receiving frequent notices of default.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: My wife has a credit card in her name originally from  XXXX  I believe that has a balance of roughly {$7000.00} from back in  XXXX - XXXX . Cavalry Portfolio Services in NY has supposedly purchased the debt from another company and is is trying to collect the amount owed through, what we believe, unethical/illegal means. They have contacted her uncles, parents, etc. to try and reach her. Now we have received a couple unsolicited letters in the mail from attorneys stating they can help resolve this debt that, according to court records ( who know where ) has been filed with Cavalry 's attorneys for lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months.

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