milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have contacted Chex Systems Inc on numerous occasions and have found that they flagrantly violate the provisions in the Fair Credit Reporting Act. My previous financial institution, XXXX XXXX, had a date breach and/or hack several years ago which resulted in my sensitive personal information being shared with over XXXX people. The information included my full name, driver 's license, date of birth and social security number. I have had to dispute numerous accounts opened in my name as a result. I previously disputed the XXXX accounts that are being reported on my credit file with Chex Systems directly with Chex Systems and have now filed a complaint via the Consumer Financial Protection Bureau which Chex Systems responded to. Chex Systems claims to have investigated my previous disputes. Upon my communication with the XXXX companies that have reported information to Chex Systems ( XXXX XXXX Bank and XXXX XXXX XXXX Bank ) I was told by XXXX companies that Chex Systems never forwarded them my complaint and that they were not aware of any identity theft because Chex Systems never told them. I had these conversations with both companies over the phone and XXXX XXXX sent me the attached letter confirming the conversation and letting me know that they told Chex Systems to remove this information. In the response I received from Chex Systems Inc this week through the Consumer Financial Protection Bureau they stated that they would not remove the information - this after the provider of this information has told me in writing that they have requested Chex Systems remove this information immediately. I have attached to this complaint a copy of the written communication from XXXX XXXX XXXX Bank which informs me that they have instructed this credit bureau to follow the law under the Fair Credit Reporting Act and to remove the information from my credit file. I have previously supplied Chex Systems with a copy of the letter from XXXX regarding the identity theft and also provided in the previous complaint filed with the CFPB. In XXXX letters I have attached the financial institutions have provided contact information for any third party to contact to confirm any information. In reaching out to XXXX Bank I was told that they also have no record of Chex Systems contacting them to validate this identity theft. To date I have contacted Chex Systems numerous times and spent hours of my time attempting to rectify this situation and have provided written notice with contact information for them to validate my claim of identity theft and to date they have not honored my rights under the FCRA and attempted to validate my claim.

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 10-03-2016 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by Mountain Land Collections multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with their attorney XXXX XXXX XXXX, filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.

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 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: InXX/XX/XXXXI had student loans with XXXX XXXX which transfer over to Navient Student loan. InXX/XX/XXXXI had problems with Navient not helping me with the proper procedures in handling my loans correctly with their services. Navient always advised me that if I could n't make a payment to place my loans in forbearance which increased my loan amount overtime. My Co-signer that was going to help me with my Loans, My aunt XXXX XXXX XXXX inXX/XX/XXXX. My father that also was supposed to help me with my loans XXXX inXX/XX/XXXX. I have four loan amounts with Navient with balances of {$7000.00}, XXXX, XXXX and XXXX. My account number with Navient is XXXX. Navient miss led me with my student loans sinceXX/XX/XXXX. I also started to receive a lot of ignoring phone calls from Navient during the periods of XX/XX/XXXX-XX/XX/XXXX about loan payment. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX, SC XXXX. My phone number is XXXX. Email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with U.S. BANCORP (NV).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: U.S Bank will not remove me from XXXX XXXX XXXX. I had a over drawn account with US Bank back in XXXX of 2017. The over drawn amount was removed from another account I had with US Bank and the negative balance was paid in full. In the amount of XXXX on XXXX XXXX 2017. Even after the account was paid in full they have not removed me from XXXX XXXX XXXX. I have tried on two separate occasions to set up new accounts with other banks and have been declined because Im still listed on XXXX XXXX XXXX  owing US Bank money. Ive called, sent emails. Got nothing but the run around and nothing accomplished.

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 02/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo is reporting to the credit bureau that I have XXXX missed payments and that my account is closed??? I have paid any past due balance and my account has been current since XXXX XXXX. They are not reporting this to the credit bureaus. Also, they are stating that it is part of my bankruptcy when they were released from ( reaffirmed ) at least 4 months ago. 
Also, they are continuing to charge me PMI on my loan even though my loan started in XXXX and this was suppose to be done after 5 years. They are telling me now that my loan has to be at {$79000.00} before they will remove the PMI payment??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I did contact Portfolio Recovery in written to validate their claim/debt after they were listed as a debt collector on my credit file for the amount of {$380.00}. i did request that they produce valid Proofs of claim such as the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all papers that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
I never receive any direct correspondence from them. After they receive my letter in XX/XX/XXXX, the collection account was removed by XX/XX/XXXX and, two weeks ago, I noticed the same account reappearance on my credit file even thought Portfolio Recovery have never answered my written request. 
anything from me. 
Certified mail tracking Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Several years ago I paid a fee to place a credit freeze on my account with all XXXX bureaus in order to protect against ID theft. I do n't believe I received a PIN from any - I 'm very good about recording these. I am trying to refinance my house. XXXX and XXXX provide the ability to immediately reset a PIN on-line or by phone. Neither charges a fee. Equifax provides no on-line PIN recovery ability and provides no way to contact them by phone. The only recourse is to mail a request with a check for {$10.00} to get a new PIN, which I did on XXXX/XXXX/16. It took them until XXXX/XXXX/16 to process and cash my check, which I verified through my bank. It is now XXXX/XXXX/16 and I still have not received a new PIN. According to the re-finance company trying to pull my credit, because I am frozen on Equifax, it blocks access to reporting from the other bureaus. Due to this indifference and/or incompetence by Equifax, my wife and I are now blocked from any activity that requires a credit search. I need Equifax to respond immediately and they should be required by CFPB to provide an on-line means for immediate unfreezing and phone support. Thank you for your assistance. 

PS - I sent my request to Equifax Security Freez, XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free annual credit report online from both XXXX and Experian. It has been more than 12 months since I requested a report from either of these companies. Neither company would provide this info to me online ; both require me to submit by mail or phone and wait at least 2 weeks for them to process and send to me through the XXXX. This is an unacceptable delay and makes me nervous that something may be wrong as I have been able to obtain my credit reports online for the past XXXX years. They provided no explanation for this " change '' on their part. In addition, I no longer keep paper versions of these reports but they will not provide to me electronically. There is no way to contact a human being to investigate this problem so it can be resolved so I can access my info electronically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Well Fargo is our mortgage company and despite our mortgage paymentpaying escrow dollars from our mortgage for insurance, {$710.00} of our escrow dollars where not used for our insurance and in fact the amount was dispersed according to Wells Fargo to taxes and that proved wrong. The Tax Office does not have any payments of {$680.00} and {$27.00} accredited anywhere. Our insurance info was phoned in by our insurance company and ignored, declaration pages for insurance were returned to our insurance agency because the documents went to the wrong XXXX and instead of forwarding to the correct XXXX based on the account number the mortgage server cancelled our insurance. All methods of processing our insurance were ignored or mishandled. I had been with our insurance company for many years and had a preferred rate. As a result of this XXXX our insurance costs have increased. We did secure our own Homeowners Insurance Policy yet due to XXXX the rate was much higher than previous policy. XXXX XXXX XXXX XXXX Forced Placed Insurance charged our mortgage two months in a row for a total of {$4100.00} {$2100.00} on XXXX/XXXX/2013 and {$1900.00} XXXX/XXXX/2013. Both charges were from XXXX XXXX XXXX XXXX. I have a letter from Wells Fargo that indicates the following : The insurance coverage that we ordered on your behalf has been cancelled. 
However, the amount of {$610.00} was returned as HAZ INS REF. The correct amount is {$4100.00} plus {$710.00} for a total of {$4800.00} that was taken from us. 
This increased our mortgage payment XXXX per month which is a hardship. We are on a fixed income with several health issues between us. We are underwater in this house. 
Property values have decreased and taxes remain stable. 
With that I ask for help because insurance should n't cost {$4800.00} PLUS {$1000.00} equalfor a total of {$5800.00} for any household.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: The property was foreclosed on XXXX/XXXX/XXXX. The bank has not paid any dues since then and now {$900.00} is owed till XXXX/XXXX/XXXX. The exterior of the house is not being maintained, the interior is unknown. Shrubs are growing up around it and siding is coming loose. Becoming an eye sore for the neighbors and community.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: 2 weeks ago I called Transunion to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 11/19/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My account was abruptly closed on XX/XX/XXXX. I didnt find out until I tried to access my account and I had my direct deposited check from my job sent to that closed account. I called Citibank and they told me Id have to wait until the closed account is finalized on XX/XX/XXXX and my check would arrive by mail 5-10 business days later. I called back XX/XX/XXXX and they told me it will definitely arrive between XX/XX/XXXX and XX/XX/XXXX so I wait it out and I call back and tell them I still have not received it and they sent a request to have it reissued and expedited. I spoke with 7-8 different supervisors and have gotten a different answer each time. They will not tell me whats the hold up or the estimated date I can expect to receive my money. It is XX/XX/XXXX and I still have no answers.

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 06/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: American Express is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being XXXX days late on XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX received payment of {$290.00} from the federal government onXX/XX/XXXX,  from a deposit made onXX/XX/XXXX. XXXX XXXX then held the funds untilXX/XX/XXXX before releasing to customer. Banks are required to pay interest on monies received and held before release so banks are discourage from floating funds received they are unreasonably holding from customers. It is the responsibility of banks to know when funds clear, and then to release those funds or compensate customers fairly for holding funds for profit. 

I would like to be compensated fairly for XXXX XXXX negating their banking responsibilities ; responsibilities they not only have to me but have to their other customers as well, and when given class action status would be a substantial amount.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: THIS WAS DISCHARGED IN BK IN 2012 AND THEY KEEP REPORTING IT TO MY CREDIT AS RECENTLY AS LAST WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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 've contacted the 3 credit report bureaus XXXX Equifax, XXXX XXXX, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear Equifax, XXXX XXXX, and XXXX! 
Please provide the XXXX of XXXX with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every XXXX constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying XXXX and XXXX Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).  All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: when to car dealer and was informed on Experian I was shown cr score XXXX, then a week later cr union show the score XXXX. My question how come it when down from XXXX what I was shown to XXXX. XXXX took place on the same date XXXX/XXXX/16

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