milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their 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 explanation
Consumer complaint received 05/18/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I got charged {$130.00} for " Credit Balance Refund '' on XXXX XXXX 2015, of which I have no idea why I got charge for as I did not make any purchse last a few months. At the same time, I was sent a check for {$130.00} issued by the same credit card issuer, Department Stores National Bank. I called the card issuer at XXXX and they told me that I have to send the check back to them so that they can wipe off the balance of {$130.00}. ( By doing this, I have to spend some postage fee addition to the time I have to waste. ) Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2017 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I signed up with XXXX about 3 years ago to pay off my XXXX credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. XXXX has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XX/XX/XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are unauthorized inquiries on my credit report. I requested that they be removed. However, they are still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Credit card protection / Debt protection

Complaint: During the week of XXXX XXXX, I received a bill from Chase Bank for XXXX XXXX XXXX which I never ordered. The account number was mine, I closed this account approximately 6 years ago. The original amount was {$94.00} but with late fees it is {$190.00}, and it was purchased XXXX/XXXX/16. They have since closed this account and I 'm sure it is on my credit report which has been spotless. They also stated that e-mails had been sent. I did purchased XXXX XXXX but that was years ago. The email address was formerly mine. I have n't had this email for several years. This was the first, the statement that I knew about this. They were willing to drop the late fees and if I would pay XXXX I would be in good standing with them. I told them I will not pay. I talked to the credit card company and talked to fraud, and it was being referred to Investigation and Recovery. They will not allow me to dispute because the charge was in XXXX. I have heard of other fraud, but the fact that this has been from an account that I closed long ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9500.00} and {$9100.00} with a duplicate account reported as a XXXX and owe amount of {$8600.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!

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 11/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Trouble during payment process

Complaint: This is a continuation of XXXX " XXXX ''. CFPB closed that complaint. This matter is unresolved. Bank of America has provided NONE of the requested information or actions. I am attaching my response to their response on this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am a victim of identity theft. I submitted my identity theft packet to TransUnion and they have refused to block fraudulent information from reporting on my credit report. I submitted a police report indicating the fraudulent accounts and proof of my identity. Additionally, I sent a letter requesting that they block the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Instead, TransUnion has chosen to not comply with the FCRA and rather opened disputes. As a victim of identity theft my personal information has been compromised and a dispute would return my name, address, dob and social security number. This is further listed in the police report that I provided to TransUnion. TransUnion has willfully decided not to comply and is in violation of the Fair Credit Reporting Act.

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 04-06-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Account opening, closing, or management

Complaint: Notarized FHA modification documents XXXX times. XXXX time was with XXXX who came to my house. Stated I would receive a check for {$200.00} in doing so. Now I get another XXXX delivery saying I must do it over again because some documents were not submitted. This is the same reason given each time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Auto) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The root of the problem goes about 6 months ago when my son 's XXXX XXXX got involved on an accident with XXXX XXXX, client of XXXX XXXX, reference # XXXX : XXXX/XXXX/2014. The accident was resolved and declared as mutual responsibility. However, XXXX claimed it different to XXXX, who paid her claim and after filled a collection bill on my name and my son 's name. Soon, I started receiving letters and threating phone calls from a company called AFNI, saying they were legal representatives of XXXX and telling us we need it to pay the bill immediately or face jail time, drivers license suspension and claims on the credit bureaus instead. After reporting this situation to XXXX, XXXX representative XXXX XXXX closed the case and sent me a letter saying the collection was definitely resolved and apologized for the inconvenience. I have this letter on my possession, showing that the case was closed and resolved. We moved on, but two weeks ago my son got pulled over to find out his license had been suspended by XXXX and AFNI collection company since the accident took place. He was driving without a license for months and we did n't know because we were not notified by either of these companies. We have contacted the State and pertinent authorities and they have told us, they need form XXXX signed in order to reinstate my son 's driver license. We have repeatedly called AFNI collection company and asked them to signed this form giving the proof that the case was closed and resolved, but this company supervisor refused to signed and laughing told me " you can paid the amount ( collection bil ) or you will never see your son 's driver license again '' " this is not my problem, contact XXXX and have them sign ''. I contacted XXXX and faxed them the letter they sent me stating that the case was closed, and I have got nothing but promises that someone is going to help me, but no one has. In the process, my son has no driver license and I 'm sending off to college. Also, I requested a proof of debt which I never received, most likely because this case has been closed and resolved and because we never went to court over this debt that was falsified by XXXX, client of USAA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement on my Exsperia credit report that is not mine! 
Here is the Information, Reference Number XXXX XXXX XXXX County XXXX, I ca n't get the other numbers! 
Date XX/XX/2015 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 non-monetary relief
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I am writing because I had a mortgage with XXXX. I received a letter on XX/XX/XXXXnotifying me I could apply for a loan modification. I filled all of the requirements. On XX/XX/XXXX I received a letter notifying me I was approved for a loan with XXXX. The letter outlined our schedule with payment coupons. Enclosed are copies of the coupons and canceled checks. I paid all payments on time. Again on XX/XX/XXXX I received another letter form XXXX stating I qualified for mortgage loan assistance. I assumed the letter was an error. the letter is dated after XXXX accepted our second payment. A payment was paid to XXXX on XX/XX/XXXX, for XXXX, coupon # 1.Second payment coupon # 2 paid on XX/XX/XXXX.Unexpectedly I received a letter from XXXX notifying me that my loan would now be serviced by Bayview Loan Servicing, as of XX/XX/XXXX.XXXX did not abide our existing loan modification agreement. Afterwards I received a letter from Bayview Loan stating they would now service our mortgage as of XX/XX/XXXX.The letter was dated XX/XX/XXXX.Bayview then sent me a statement that the date of default was XX/XX/XXXX, this was untrue. A copy of item # 10 Illustrates. How can I default on XX/XX/XXXX, when they did not have possession of the mortgage untilXX/XX/XXXX? Again Bayview sent a statement dated XX/XX/XXXX that the date of default was XX/XX/XXXX.After that I received paperwork dated XX/XX/XXXX from the law firm XXXX, XXXX XXXX XXXX had filed fraudulent papers in the XXXX County Circuit Court that the mortgage holder was XXXX XXXX. 
Likewise, I was default as of XX/XX/XXXX.Enclosed is a copy, item # 15, listing law firms as filling fraudulent papers for mortgage companies. XXXX XXXX has not been possession of my mortgage for years. XXXX XXXX can not foreclose on a property it does not own. If XXXX XXXX is the legal possessor of our mortgage, then XXXX has fraudulently been collecting mortgage payments for years. Also, enclosed is a copy of a check I received from XXXX dated XX/XX/XXXX.The check is from a law suit settlement for accounts with XXXX balance/bankruptcy or had foreclosed on property. Item # 22.  Now our home is in threat of being auctioned on XX/XX/XXXX with fraudulent paperwork. I have not applied for a loan modification, because who owns our mortgage? Who do I apply with? Likewise I have not contacted any of Bayview 's staff because who do I discuss this matter with. I have no trust in any of the forenamed companies. Frankly, I do not have confidence in their honesty. Will the next mortgage company abide by their modification? Obviously, XXXX did not. My husband had XXXX XXXX XXXX, a XXXX and numerous hospitalizations in XX/XX/XXXX.His doctors have informed me his health can not endure further excessive XXXX from this outrageous mortgage fiasco. I have been advised by legal counsel to request they " produce the note '' for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Real Time Resolutions, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: There is an account reporting with RealTime resolution that I have been requesting payment history and proof this account is even mine. I sent them a certified letter that they received some time ago and the only thing they sent me was a letter stating they are researching the account and that was back on XX/XX/2016 no other information received.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with ResidentCollect, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed chapter XXXX bankruptcy and it was discharged in XX/XX/2015. The debt was originally through XXXX XXXX for XXXX XXXX XXXX in XXXX, Ohio. The lease was signed before I filed bankruptcy. The debt was sent to a collection agency. As a result, my credit report reflected this debt that is no longer valid and had made my life horrible. Innovative Recovery is still holding this debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: We received a notice from the IRS on XXXX XXXX, XXXX informing us that we owed an additional {$23000.00} on our XXXX tax return due mainly to unreported income in the form of a Cancellation of Debt form XXXX submitted by Citibank. 
We had no prior knowledge of this activity and attempted to contact Citibank for information. We were able to get information that the account activity in question was from XXXX, 17 years ago. We were living in XXXX at this time and neither my wife or I have had any accounts with Citibank. We have never received a bill, a statement or any other correspondence regarding this account. We have made numerous telephone calls to Citibank attempting to get any type of details about this account and have continuously been denied any information. Several of these calls have lasted up to 3 hours while constantly being transferred from one department to another. Our tax prepared requested us to ask for a copy of the XXXX form that was sent to the IRS and even this request was denied. We believe this matter is a mistake on Citibank 's part or fraudulent activity by another party. We request that Citibank either inform the IRS of their mistake or provide us detail information so we can prove fraudulent activity has occurred.

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 07-07-2015 about Credit card () with Continental Finance Company, LLC (MI).
Issue: Bankruptcy

Complaint: I do not recall getting, or signing up for this card, it is showing up on my credit report stating open in XX/XX/XXXX, the company closed XX/XX/XXXX, it also shows written off for XXXX, I have since filled bankrupcy XX/XX/XXXX so this should not be on credit report, plus it is almost 7 years later

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a XXXX balance. FTC XXXX XXXX XXXX, item XXXX states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the dischargeddebt and there should be no additional reporting after the bankruptcy filing date. XXXX XXXX XXXX and the XXXX accounts was included in my Bankruptcy and needs to be deleted according to Chex Systems policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX has my account with a past due balance of XXXX and the account has been settled. The Credit union show my account closed and settled, but wo n't take the past due {$940.00} off the credit report. The balance should show zero, just as all my creditors show. Please help asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I scheduled an online payment on chase.com in XXXX of XXXX and XXXX XXXX that was not completed due to a flaw with Chase computer system. As a result the monthly mortgage payment was not paid on time. Generating, a negative credit rating. Chase has a record of me logging in for the payment both times. The company is refusing to correct the problem. I was told by supervisor XXXX that my credit would be amended due to rise with online payment errors. I was even instructed not to use the online account and just call in payments as free option. XXXX felt this would provide confirmation for my payment to avoid anymore damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (CT).
Issue: Making/receiving payments, sending money

Complaint: I am seeking for the reimbursement of a check that I deposited on XXXX/XXXX/2016, at XXXX, into a WELLS FARGO ATM machine located on XXXX XXXX, XXXX CT, which the account became closed. 
I have been calling and going into the actual branch since XXXX/XXXX/2016, trying top retrieve that check and it has been unsuccessful. I am now claiming {$360.00} from WELLS FARGO that is overdue.

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 04-10-2015 about Debt collection (Non-federal student loan) with First Associates Loan Servicing LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Peaks private student loan quit contacting me for a year after bankruptcy now every 3 months I receive an email stating that I owe them money. I have pulled my credit report and it does say discharged due to chapter XXXX bankruptcy. I have advised them of the bankruptcy my attorney information and the will still not quit contacting 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 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Attempted to get my annual free credit report from Experian online, through the website " XXXX '' ; filled out the necessary information, chose " Experian '' as the agency from which I wanted the report and was provided the message : " We 're Sorry '' and " A condition exists that prevents Experian from being able to accept your request at this time. '' ( " Online Delivery Unavailable. '' ) I repeated the request, without success. 
I also attempted to contact Experian to resolve the problem but was unable to file a request or to speak with anyone at Experian. 
My complaint is that I should be able to access my credit report online, yet Experian is blocking me. 
What can I do to get Experian provide me a copy online of my free annual 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