milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Incorrect information on your report

Complaint: My Credit Report states i have a joint account mortgage with a company name Nation Star Mortgage out of XXXX, Texas, Acct # XXXX its showing a balance of {$98000.00}. I have no idea who opened this account nor do i know the location of this property. I have contacted this company directly and have been unsuccessful in trying to resolve this issue. This account does n't belong to me. I also disputed this account with the credit bureaus. i have submitted documentation that states I 've been victimized by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies a re Amazon, Gap, QVC, Sams club and TJ Maxx.  This is against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a violation of  US Bankruptcy code. I  was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported

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 03-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I was unfairly charged overdraft fee a couple of times without any notice from my bank about an over draft. In total i have been unfairly charged a total of XXXX overdraft fees of {$35.00} each. The most recent XXXX were charged on XX/XX/XXXX while similar XXXX on XX/XX/XXXX. In both cases I bad transfer between my accounts at Bank of America while my account showed there were sufficient fund only to find overdraft fees next morning. For the most recent XXXX, I made online transfer to my own other at same bank and a transfer to a friend who also has an account at bank of america. While making these transactions, the online account showed sufficient fund and through my research i found the usually such transaction are not even allowed to happen if there are not sufficient fund. I have screenshot evidence to prove this. Upon calling the bank the representative was extremely rude and told me that " you should know where you are wasting your money '' and also that while they recommend customers to use the app, the customer should keep track of their transactions themselves. My balance was misrepresented and the XXXX overdraft fees were charged fraudulently by my bank.

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 05/15/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Enclosed is all the information that is attatched. I have called my loan several times in reference to lowering my payment to have a better quality of life and be able to live and not have to live with out any means of anything else. I am not able to move forward in life or even move on my own I have to rely on other people for a place to live in order to keep up with my student loans. I have tried to get scholarships to help me with my student loans and nothing. 
I do not know how you can help me but I would greatly appreciate it if you could. The student loans company resolution is to go back to school to hold off on payment for mt student loans, which doesnt help considering all it does it add to my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet XXXX XXXX XXXX XXXX has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on Trans Union.

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 07/31/2015 about Debt collection (Medical) with Harris & Harris, Ltd. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN Loan Servicing failed to notify me of a decision, or anything, regarding my request for a loan modification, nor have I heard from Ocwen directly of the need for anything other than what they requested, " a complete application packette. When I last spoke to OCWEN, on XX/XX/2017, they stated that documents were needed that they did not make me aware of prior to my call. Ocwen suggested I send nothing in at this point that they would procede with forclosure of my home on XX/XX/2017 @ XXXX XXXX. I have no idea what the status of my Modification is and have not heard fromm OCWEN since I contacted them on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have not been able to find anyone at the credit reporting agencies whom can assist me. I am seeing " soft '' credit inquiries on my report that I am not authorizing. Companies are doing soft credit checks then sending catalogs out I am not asking for. By sending these catalogs out, it opens the door for someone other than me to use credit in my name. It then becomes burden of proof I did n't request it. There are multiple inquiries that are sister company 's of XXXX wards. 
I do not authorize anyone with out proven written evidence I have authorized a credit check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on two payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?

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 10/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Settlement process and costs

Complaint: Husband and Wife owned their home. XX/XX/XXXX, wife passed away. At that time husband believed that the balance on his mortgage loan had been paid down to approximately {$30000.00}. Not more than a few weeks after his wife passed away husband noticed that XXXX XXXX XXXX, XXXX was drawing money from his bank account. After being stonewalled by various XXXX representatives, husband discovered after going through some of his wife 's old mail that XXXX was claiming his deceased wife took out a loan for approximately {$80000.00} and XXXX claimed a mortgage on his Home for that amount. Any corresponding loan that his wife entered into does not bear his signature ; accordingly, any mortgage that XXXX placed on his Home was also forged and therefore void ab initio under Michigan law. Over a period of 7 months immediately following his wife 's death, husband continuously sent letters to XXXX indicating : that his wife had passed away and therefore XXXX should stop sending documents addressed to her ; He had no knowledge of the alleged loan ; He had never authorized the Mortgage on his Home ; and Demanded XXXX to remove the Mortgage at once. 
Effective XX/XX/XXXX XXXX XXXX XXXX became the Loan Servicer. U.S Bank is the assignor of the Note and Mortgage. Husband sued U.S Bank. and XXXX XXXX XXXX to discharge the Mortgage. Husband and U.S. Bank entered into a Settlement Agreement, U.S. Bank failed to live up to its end of the bargain, and the Court dismissed the case. U.S. Bank has failed to take any actions to resolve the dispute. Husband continues to maintain that the mortgage is forged and therefore invalid. However, on XX/XX/XXXX, with full knowledge that the mortgage is defective, XXXX XXXX XXXX, through XXXX XXXX published a Notice of Foreclosure Sale By Advertisement, with a sale scheduled for XX/XX/XXXX - this sale is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.

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 06/27/2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Money was not available when promised

Complaint: My friend and I used my another friend 's phone number and sent XXXX dollar to him on XXXX, and we were XXXX in Bank of America XXXX But the friend never received the money. I went and called to Bank of America lots of times, and the assistant said that the money was transferred to the another person who has same phone number with my friend, which means there are 2 people have same phone number. The assistant also said that they tried to call the person and got my money back, but it did n't work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My only name is XXXX XXXX XXXX. I see another name, XXXX XXXX, listed. I think it 's a typo.

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 12-12-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: Ref : CFPB Consumer Complaint ID # XXXX. 
I have been a customer of M & T Bank ( and Wilmington Trust which it took over ) since XXXX. M & T Bank insists it needs additional information from me such as my drivers license number and my occupation in order to comply with XXXX, and XXXX regulations. 
However, all public information I can find says that is not the case. 
All indications from the government is that the XXXX only applies to new customers ( after XXXX ). 
Here are links to back that up : XXXX XXXX XXXX XXXX # XXXX Since I have been a customer since XXXX, I am not covered by those rules. Please provide me a link to information indicating I am wrong if you disagree. 
Note : I have attached the letter I have received as a result of you sending them my first claim. But as you can see the letter is just a restatement of their claim that they are required to collect this information but does not address all of the links from government sources that say they do not. They state that XXXX regulations require that but yet another link XXXX # XXXX directly refutes it. So if the CFPB just sends my complaint again to M & T Bank it is not clear to me how I am going to get anything more than just another similar letter that just claims they have the right to collect information with vague reference to rules that they claim say they do without providing clear enough references ( links ) that I can look-up and validate their claims or something that shows that the multiple references I have consistently provided are in fact outdated and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Delinquent account

Complaint: Capital One is reporting a 90 day status to the credit bureaus on a closed account with a paid zero " XXXX '' balance that has been paid per all records ( Capital One, XXXX ect. ) since at least XXXX 2011. Account number XXXX .... I recently filed a dispute through XXXX and the company " updated '' the record but did not remove. I am not aware of any updated status. According to credit bureau records the account should be deleted ( fall off ) next month. Capital One with it 's enormously poor record with the XXXX as well as other sources remains a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Balance transfer fee

Complaint: I made XXXX balance transfers. The fees for the transfers are not reflected on the statement. The company phone representatives can not tell me what the fees were or if they still are outstanding and are accruing interest. I have stopped making any other purchases on this account in order to make it as simple as possible ( and since closed the account ) If payments are applied to outstanding fees of any kind I should be able to see that on my statement to account for payment allocation, but I can not. 

My total balance should now be at 0 % interest ( for XXXX defined time periods ) therefore the statement balance should be visibly decreasing on each statement dollar for dollar, but it does not. 

I have paid well over the amount of any fee ( visible or not visible ) that would have been related to the XXXX balance transfers. The company 's phone representatives should be able to see where the money was applied or if fees still exist, but they can not. 

As I have requested by telephone on 2 separate occasions ... I want to make sure the " invisible '' fees are paid off and not accruing interest. I want to see where my money was applied each month.

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 EARLY WARNING SERVICES, LLC (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 NAVY FEDERAL CREDIT UNION 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 EARLY WARNING SYSTEMS FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XXXX XXXX 2013. I CALLED BOTH EARLY WARNING SERVICES LLC AND XXXX XXXX XXXX. 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 XXXX XXXX XXXX AND EARLY WARNING RECOVERY SYSTEMS LLC 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 response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is on Ditech,  XXXX   XXXX   XXXX , countrywide and Greentree. I have been battling this for over 6 years. My husband passed away and my income was cut in half I had to close my buisiness and my only child almost passed 6 months after his Dad. I got behind on my mortgage because of this. I tried to get  XXXX   XXXX   XXXX  to refinance my home which they said they would. I have every piece of paper work. Everytime they get all my information they switch me to another account representative and here I go again in circles. My account is so far behind and they are forclosing on me in a month. I need help. I know this was not handled in a proper manner. My   XXXX   is back and I need a refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold Checking account using a promotion code for XXXX XXXX XXXX miles. I confirmed with Citibank the terms of my promotion via secure messaging on their website. I met the terms of the promotion and contacted Citibank because the points promised in the promotion had n't posted to my account. They responded that I was not eligible for the promotion and they were not honoring the terms of the promotion. 
I have attached copies of all correspondence with Citibank and my statements showing the promotional requirements were met. 
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 non-monetary relief
Consumer complaint received 12/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: Bank of America just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Citizens Bank charged {$600.00} in interest for a payment that they received on the exact day and charged our interest for 18 months without our knowledge. This was for an escrow correction, so the check was sent in the mail instead of being sent electronically like it usually was. They acknowledge that the check was received on the due date. They never issued a statement in that 18 months and would have continued to defraud us forever without informing us. They did this all despite the fact that there was more than enough money in the account to cover it the entire time. They have refused to remove the charge. The employee we spoke to was XXXX XXXX. We complained to the bank and XXXX from the Office XXXX contacted us, said they would respond within 2 days and never did. We followed up and she actually asked why we were bothering her if we knew they were n't going to fix the issue.

Company response to consumer: Closed with explanation