milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Other mortgage) with PROVIDENT FUNDING ASSOCIATES (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with my mortgage lender for two years. They put me in forbearance 2 years ago and never told me I had to pay it back well I have been trying to re-fi the loan for over a year now and month after month they ask for the same documents over and over. I have talked to counselors and they said they offer counseling for Harp XXXX loans but over and over they ask for the same thing. So I filed bankruptcy to save my house and they refuse the bankruptcy I want to keep my house and I have given them proof after proof and they do nothing but ask for the same documents over and over. Its frustrating and very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax had a security data breach on XXXX XXXX, 2017. Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. 

After going to the site XXXX it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. 

I was notified via email to prove that I was impacted by this security breach, also I have filed a police report. I am putting in a complaint against Equifax for their negligence of handling my personal information. 

I was previously a victim of identity theft in the past and I am worried about my personal information and security.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: I am requesting Nationstar Mortgage LLC to provide copies of documentation of Power of Attorney for   XXXX   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   XXXX   as Trustee. I would like documentation showing they have legal rights to recieve any payments or make any service to this loan

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was involved in a divorce in 2009 and had to file bankruptcy. Fifth third bank was to foreclose on a home which I could no longer afford. The property still sits as a zombie property, with the bank neither foreclosing or releasing the home. As a result, vandalism continues to occur and I continue to receive costs associated with the home, since 2009! I have repeatedly called the bank to gain clarity and find their plan but they refuse to speak with me. They tell me that they can not discuss the matter. I would like to get this off my plate, by eiher the bank foreclosing on the home or releasing so I can sell it. In the meantime, the house sits as a vacant property, bringing other home values down and has become a nuisance. Somehow, this seems like an illegal practice, but it is not. Just extremely poor business practice from this bank who contributes to community blight. How can I get the bank to dscuss or take action to either foreclose or release the house?

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I have several problems with payments with Chase mortgage. My payment was reported 30 days late for XXXX and XXXX of 2016. I paid XXXX mortgage payment within the 30 days of it being due. The payment did post XX/XX/XXXX16 on their online site but Chase reported my payment 30 days late. Chase online site has had some technical difficulties by their staff admittance. I logged in on XX/XX/XXXX16 scheduled a payment. The payment was never processed. I had to call in to make the payment. XXXX ( supervisor ) admitted the online site has been malfunctioning and applied for a credit amendment for the incorrect reporting. Chase seems to be having problem on managing payments and the problem needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Payday loan) with Risecredit, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I tried to get them to work with me during an unexpected financial hardship. I explained to them the current situation and when it would be resolved by. I also have been making payments even though the company refuses to extend the term of the contract out and make the payments more manageable for me. I also told them I would call them in a few days and let them know if I would be able to make an extra payment. Even though I am doing everything I possibly can to make payments, I was told that my account would be charged off on XXXX XXXX. And my phone rings off the hook every hour non-stop, every day of the week. I could understand if I was n't paying or communicating with you. But I am doing XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with LEXISNEXIS (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2015 I sent Lexis Nexis disputes department an email which contained and FTC Affidavit, Police Report and a letter disputing over XXXX addresses that they had in their file for me. Email addresses that they have for me and reported bankruptcy information that they had reported on their consumer file and that they have also reported to other CRA 's that has drastically hurt me financially. I am the victim of identity theft and I asked Lexis Nexis to please freeze all the reports company wide so that no one can access them because the information is very inaccurate. They have done so but what they have n't done was to remove all the disputed addresses and the bad inaccurate information associated with those addresses. They sent me back a report stating that they have removed and or deleted the disputed information but they have not. All the inaccurate information is still listed and they have n't done a thing. All the addresses are still listed all the different variations of my name is still listed all the different bankruptcies in the XXXX different states are still listed. And there is also a judgement listed for an address that is being reported against me is still there and it has n't been removed. They have had well over the 30 day permitted time to remove these items and they have not done anything at all. What is the use in trying to protect myself and what is being reported against me if they want do their jobs and remove the fraudulent information and if they are getting this information from someone they are suppose to let me know so that I can contact that agency and get the fraudulent information removed. I again have attached the FTC Report, Police Report and the letter previously sent to them. Please block and delete these disputed items and do n't let them be re-inserted. Please do not report this wrong information to anyone else because it has cost me a job and declines from credit. Please fix this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Consumer Loan (Installment loan) with ALLY FINANCIAL INC. (PA).
Issue: Managing the loan or lease

Complaint: cars was total loss in XXXX 2016 and to date they have yet to complete the claim. my XXXX insurance has attempted to work with them and do to there delay in processing held the payment up costing me more in intrest. now the agency that is handling the claim has advise me they are a third party and can not seem to give me an exact total off funds of hich i should pay to pay off loan.

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 08-02-2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Unsolicited issuance of credit card

Complaint: Portfolio Recovery is trying to collect on a debt for XXXX XXXX and I have NEVER had a XXXX XXXX account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Bureaus, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

The account The Bureaus for {$950.00} with the balance date ( X/XX/20 )??!?!?!?! And XXXX for {$600.00} I have never had a XXXX account nor have I opened a card or left a balance of anywhere near {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection that 's been showing on my XXXX and Transunion report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or Transunion, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my XXXX XXXX, XXXX and Experian credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}

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 06/28/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent XXXX previous letters to Experian reporting company, all by certified mail ( copies of receipts are available ) requesting removal of : 1. Unauthorized fraudulent inquiries : ( 1 ) XXXX Card XXXX/XXXX/2016 ( 2 ) XXXX XXXX/XXXX/2016 ( 3 ) XXXX XXXX XXXX XXXX/XXXX/2016 2. Fraudulent Account : ( 1 ) XXXX # XXXX ( Identity theft victim ) 3. Inaccurate, false, and wrong information : XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX from my file and Experian agency has failed to do so. 

Accordingly, I can show a judge that these inquires and accounts are fraudulent and inaccurate and that Experian violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

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 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made the payment via the internet but creditor ( XXXX XXXX ) does not want to recognized that payment was made on time. If they do not receive the money on time I should not be punished for bank transfer delays.

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 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion is reporting the date of birth that belongs to someone else AS ( XX/XX/XXXX ), not mine ... .my birth date is ( XX/XX/XXXX ) Also Transunion is NOT reporting my current and true address of XXXX XXXX XXXX XXXX XXXX , TN XXXX. I have attached my photo ID with my current and true mailing address, please update my file, 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 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX failed to process my ACH payment correctly on XX/XX/18. Then, bank claimed that payment was returned by my bank, closed my account, and placed a derogatory mark on my credit report. 

I have always paid my balances on time and in full. 

Synchrony has failed to return my calls and emails.

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 06-04-2015 about Debt collection (Auto) with M&T BANK CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: M @ T bank keeps reporting late payment I had in 2009 and the loan is pay off 4 year ago!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (OH).
Issue: Fraud or scam

Complaint: I NOTIFIED PAYPOWER IN REGARDS TO A FRAUD/SCAM. THE COMPANY RECEIVED MY CARD NUMBER BECAUSE I WAS TOLD THAT IT WAS NEEDED INORDER TO PROCEED WITH A ORDER TO HAVE SOME PAPERS COMPLETED/TYPED AND PREPARED FOR SCHOOL.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rauch-Milliken International, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued attempts to collect a debt I do not owe from ( XXXX ) by a collection agency/attorney ( Rauch-Milliken International Inc ) with intimidating collection letters, threatening ; negative credit reporting, court dates/costs/judgments, attorney fees, bank/asset garnishments, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: To Whom It May Concern : I am filing a complaint against Bank of America ( BOA ). 
I have had both Savings and Checking accounts with Bank of America since XX/XX/XXXX. After making some deposits into my accounts recently ( XX/XX/XXXX ), my accounts and ATM card had been frozen without any justification. When I went to the Bank, they could n't give me any justification or reasons as to why my accounts and ATM got frozen. 

Later, the bank issued a letter dated XX/XX/XXXX stated that they have made the decision to close my accounts and the balance will be mailed to me in a cashier 's check. 
I went back to the bank once again and demanded that I must know the reason as to what prompted the bank to come up with this decision. They would n't tell me anything and handed me a toll free number to contact. 

I called the toll free number ( XXXX ) many times and left several voice mails, but received no calls from the Bank authority. 

I received a cashier 's check with the balance that I had on my saving account dated XX/XX/XXXX. 

Finally, on XX/XX/XXXX, I received another letter from Bank of America stating that they have closed my account and remaining balance ( checking account ) wo n't be returned to me. 

I went back to the bank once again with the letter and asked why my remaining balance ( Checking account balance ) wo n't be returned ; the bank authority insisted that they have no information and asked me to call toll free number ( XXXX ). I obliged and called. Left voice mail once again and as of yet, I have not received any calls from the Bank of America. 

Please note that I had a significant amount in the checking account and as of yet, Bank of America has not returned my money that was left in the checking account. 

Bank of America also treated me as a customer very poorly. 

Attached please find some attachments that will help to determine how Bank of America dealt with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: A request for a lien release was faxed into Capital One at the number they supplied, XXXX on XXXX XXXX of 2017. According to their website XXXX XXXX XXXX XXXX XXXX XXXX, the release should have been sent within 2 business days. Around XX/XX/XXXX I called to check the status, the representative stated that the release had been mailed on XX/XX/XXXX or XX/XX/XXXX. Around XX/XX/XXXX I called again to check the status and was told it would take up to 30 days for the request to be processed and the release to be mailed.
On XX/XX/XXXX I called again to check the status having now received multiple stories. A supervisor stated that this loan was under a different set of rules than what is published by Capitol One and that the 30 day window was correct, though I can not find it anywhere. Capitol One now states that XX/XX/XXXX they received a fax ( possibly from XXXX who had previously held the loan ) and that the release had been shipped out on XX/XX/XXXX, though as of XX/XX/XXXX no letter has yet arrived. As it stands, Capitol One has agreed to XXXX the release which should arrive no later than Monday, at this point I 'm not hopeful.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a check in the amount of {$2400.00} into my Wells Fargo account though the ATM machine. On their website it states that a deposited check clears the next business day. However, that 's not what happen with my check, I was told and it shows on Wells Fargo site that my funds will be posted into my account on XX/XX/2016. 
This is a long time to hold on too someone 's money, especially when that someone has to pay bills before XX/XX/2016. I spoke to different people from Wells Fargo and was told different tells about why my check was placed on hold. But on their site it states that the money is being held because of the overdrawn chargers within the pass six months, which are only XXXX. The last one was only for {$6.00}. I suspect that is just away for them to hold on someone 's money. With the electronic transfers now a days things should be done a lot faster. I think there should be a class action lawsuit against Wells Fargo and any others banks that pull this type of garbage on their customers.

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 05-12-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX I reviewed my credit report and found there was a collection account placed on my credit report from Commonwealth Financial Systems. I filed a dispute with the XXXX credit bureaus in writing on the same day. They updated the account with the XXXX credit bureaus but never provided me with documentation on the debt being mine. The credit reporting agency XXXX gave me a telephone number to reach them because there was nothing else for them to do. I called in XXXX and spoke with XXXX XXXX. He told me that the bill was for someone else who was a minor at the time. I stated that this was not my child nor was I in any shape or form responsible for this person. He stated he would request the medical records/discharge papers to see who signed for this child and to call back in a week. I called back and spoke with XXXX XXXX on XXXX and he stated that the information had n't been received by the client as of yet. I also explained to him that the child the bill belong to was a foster child and a ward of the state he told me to get something in writing and that they would rectify the matter because they see this often with social workers. Then on XXXX XXXX I called back to see if these medical records were received and was told they are waiting on the client to get back to them. On XXXX XXXX I submitted a letter to Commonwealth Financial Systems from the agency stating that this child was under their care. On XXXX XXXX I was told that my account was placed on hold and they would reach out to client relations to find out why. Today XXXX XXXX I spoke with XXXX who was condescending and stated she would hang up on me. She also stated that she has to reach out to the client to obtain the information. They are in violation FCRA laws by reporting a debt that in not mine and harassing me with consistent stall tactics. They also violated the 30 day rule in which they are to provide proof that the debt is valid through investigation.

Company response to consumer: Closed with explanation