milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX and I live on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was approved for loan modifications payments at XXXX/XXXX/XXXX by Bank of America and transferred my mortgage to XXXX XXXX XXXX XXXX. Before they approved me for this loan modification Bank of America Loan Service have sent a letter to me and ask to pay my loan modification payments. I have sent them my Cashiers check {$5.00} at XXXX/XXXX/XXXX. I was in a process off loan modifications more then 4 years. I thought this my {$5000.00} will be apply for loan modification payments when Bank of America approved me. But I never get back my money back from Bank of America and my {$5000.00} they never was apply for my mortgage payments. I called many time to different departments of Bank of America, I have sent them letter with my questions where my {$5000.00}, but I have got many different answers. They told me they have been sent my {$5000.00} to new my mortgage service XXXX XXXX XXXX. I called to XXXX and they answered to me then Bank of America never sent them my money. I will send you all my proofs, like copies of my cashiers check of {$5000.00} back and front, the post card certified mail wich Bank of America sighted. 
Please help me to get my {$5000.00} back, because I have sent to Bank of America for loan modification payments, not for something else. 
Thank you so much. 
XXXX My email : XXXX My phone number is XXXX My previous loan with Bank of America is 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 05-08-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (VT).
Issue: Struggling to pay mortgage

Complaint: Submitted complaint  XXXX . Disputed complaint. Can not get to that anymore. Have been to court. Mortgage company has not acknowledged having recieved documents for modification on time but delayed in processing ( sectio n 6 respa, and took more than 37 to come to a decision ).

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 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My goodness I have been through it with getting information on my Credit Report changed. XXXX, XXXX and Experian have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have written to the company a total of 4 times. I have stated I had no acknowledgment of these account ( s ) and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. Midland has also tried to reword my dispute. I disputed the account as " not mine '' and in response they said I disputed " incorrect balance. '' That is not what was disputed. The accounts as a whole are being in question. Please rectify these accounts as for this company has prolonged this for months!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX    )    XXXX   XXXX   XXXX   XXXX    ( I  HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  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 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: The following inquires on my credit report were NOT authorized by me. 
I had financing secured through my credit union and has cash available to pay for a vehicle. I have tried to have these items removed and they still remain. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 06/22/2017 about Debt collection (Other debt) with ConServe (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: {$2000.00} false amount, no contract with company, not my account, not licensed in sc

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX bank is reporting on my credit report I do not or did not have a XXXX credit card or credit card with any company associated with them. I researched it and they state they are reporting due to XXXX but that is not accurate. I request they delete the collections from Midland and ask that they delete any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX XXXX filed a docket on me at the XXXX Couty court house XXXX XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents

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 11/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My private student loan is with Navient and I had an deferment status. Before my deferment was finish I consolidated all my loans.the company reporting to the credit agencies that my account is being pay as agreed and closed. Navient is th still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other

Complaint: On XXXX/XXXX/2016 - I made a purchase of XXXX tickets from XXXX and cancelled it in less than 24 hours. As per the rules such tickets gets refunds properly but due to some issues the refund was getting delayed so i initiated a dispute with Capital One regarding that transaction on XXXX/XXXX/2016. Purchase was adjusted by capital one on XXXX itself. Later on XXXX XXXX issued a refund. Now from that day till now I have been following up with Capital One to close that dispute. Called their dispute team thrice till now and chatted and called customer service at least 5 times ... but nothing has happened. Their dispute team said that they will do that. But nothing happened. Worst situation - they have n't even sent me a communication that they are closing the dispute. Dispute team works only M-F during certain hours ... long verification process and around 20 minutes per call. There is no secure message center to send communication within Capital One ... essentially i had spent close to 2 hours overall just to resolve this issue with Capital One and no output. No assurance or acknowledgement that they are going to do something.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: A terrible decision caused my account to be gone forever from TDbank.A fraudster got my debit card information.There were unauthorized deposits and fake checks deposited into my account.The bank fraud department took too long in investigating.I did pay off what was owed but the bank showed hatred against me.I think they stopped the investigation.They may be also slandering me .I did not know what to do.I have been told that I am to get refunds from what was stolen even if it was done in an irresponsible way.The bank has to realize that I am no criminal.They also need to know that in this digitalized time banking information can be gotten by anyone.I want to know why they feel they do not have to follow the law and why they think I should pay for what happened.They also need to be questioned as to why they allow these fraudsters to keep stealing money from people 's accounts.The bank also insisted on saying that they do not care what happened and that I should have known better.I also want them to know how this made me feel.I had been with them since even before they became TD.Back then they were more responsible.They did work with customers on these problems.They advised on how to be careful with these problems.They are possibly trying to say that I conspired with this person who seriously damaged my account in order to steal from them.I am no criminal.I do not need theirs or anyone elses money to resort to doing such a fraudulent thing.They really do need to be called out on how they pretend to investigate bank fraud but really do not.It is due to this stress that I was not able to pay what was owed until my tax refund came through.I also want them to know that I am not the only one that this has happened to.It will continue as long as they allow the fraudster who they are aware of continues to do this as long as they are not caught.I have to say that they may be working with this fraudster.I had not received any help with payments from TDbank until a few days before they made some charge off and then claimed they gave me a credit.They allowed me to open a new account but then they closed it.They will tell me the results of what happened.I have the right to know that.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'VE CONTACTED TRANSUNION SEVERAL TIMES BEFORE CONCERNING THIS MATTER AND IT HAS YET TO BE RECONCILED. ALL I WANT IS FOR TRANSUNION TO FOLLOW THE LAW OF THE FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS ACCOUNT OR SEND THE DOCUMENTS THEY USED TO VERIFY THIS ITEM.

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 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Hi ... My issue is closing the account with the correct status. 



In XXXX of XXXX I tried to close an account at a Bank of America branch in XXXX XXXX. I gave a teller cash to close out an account who only applied XXXX dollars of cash given to make a payment then closed account. After hours of back and fourth writing and communicating with Bank of America I have come to find that they did not have any correct information on file and did not update my records correctly. The teller supposedly closed the account but did not use money given to pay balance in full. Currently I have on my credit report a balance of XXXX for fees and late payment. After talking to an associate I have found that they update records in XXXX with an address i did not live in till later. I have a negative mark on my credit due to the negligence of Bank of America practices and staff. They did not close my account correctly and took my cash. It also took me over a year or so to get the full set of records I requested ... Each partial set not matching the others nor the full complete set. 

After agreeing to settle the issue last year Bank of America changed the rerecord number of my account and then re opened it and put it on my credit. I am at a loss as to what to do because they did close my account in XXXX XXXX say I made a payment when it closed but claim I was 30 days late with giving them a payment in XXXX. I would like to let you know that update records to reflect what they want and change information often to cover their tracts. 

I asked the B of A to prove to me that I only paid XXXX dollars and did not try to close the whole account with cash. They records only reflect a payment and close of account but not for the correct amount. After years of fighting it has been established I did close the account ... now they need t get the amount right. paid in full.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm concerned with Equifax 's security leak, especially because sources now say that it was due to a 9-year-old security flaw.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: I,  XXXX   XXXX  file this complaint as my right under the Fair Debt Collection Practices Act have been violated pertaining to an offer to modify a mortgage. Under a stipulation of this act from  XXXX   XXXX ,  XXXX , I must be offered a modification package, and it does not matter if the property is owner-occupied or an income property. The fact that we discovered a modification package was mailed to me in  XXXX  of  XXXX  proves that the mortgage servicer known as Nationstar Mortgage offered this modification as  a Tier II  program proves that multi-income properties are part of all national bank modification programs. I never received this modification request as it was mailed to a post office box I dis-continued in  XXXX . Nationstar Mortgage had to get the request back by mail if they indeed sent it. At all times Nationstar Mortgage knew my home address as  XXXX   XXXX   XXXX ,  XXXX , New York  XXXX . I have recently hired a law firm known as the  XXXX   XXXX   XXXX  to do my modifications on all my properties. I was able to procure a modification on my personal resident through this law center. Now my second home is scheduled for a foreclosure for  XXXX   XXXX ,  XXXX . I have no other remedy but to file for a personal bankruptcy to prevent this foreclosure from happening. Rules are now being enforced through the Consumer Financial Protection Bureau pertaining to the numerous vi olation of mortgage servicers on foreclosure protocol. I still have an open claim for principal reduction with the Office of Inspector General Federal Housing Finance Agency that  could eventually structure my mortgage debt within reasonable properly value. However, my rights have been violated by Nationstar Mortgage in its entirety. Accordingly, I make this request for intervention by the Consumer Financial Protection Bureau to enforce the recent mandates by said agency with   XXXX   XXXX   XXXX  . I was never offered a modification, and the matter should be resolved through the  XXXX   XXXX   XXXX . Accordingly, I demand that a modification offer be mailed to my home address or emailed to  XXXX  XXXX  XXXX . I believe that I am well within my rights on this request.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX came to my house and spoke with my daughter who was XXXX at the time and convinced her to let them install insulation. I did not want them to do this and never contacted them to do it. I never meet with them was not even home when they came to do it. Never had any dealing with the company, never signed a contract no one had authorization to sign on my behalf. the first time I knew about this happening is getting a bill in my name. I have tried to contact the company with no response and have contacted the collection agency to inform them that it was not my debt. was inform that it is to bad that i had to pay. It is not my debt. I did not authorize anything. was not home to know anything. I am not responsible for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief