milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with Advantage Collection Professionals, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by XXXX XXXX, advising me that my credit score went down due to XXXX XXXX reported a negative collections on my account. I 'm requesting a investigation and for this inaccurate information on my credit report to be removed. I have never received or agreed to having any cable or any service from them. I transferred my XXXX XXXX services to another address which XXXX XXXX stated they could n't install my cable boxes. XXXX XXXX had to install the boxes XXXX XXXX  XXXX was paid in full for installing XXXX XXXX boxes.XXXX XXXX sent me something in the mail inviting me to have service with them I respectfully declined.I have never set up account with this company nor would I ever use them as my cable provider. I made a formal complaint against them when they installed XXXX XXXX boxes. I was given a credit due to their poor installation services. This company should be fined for charging for service they never provided. I have requested from them to send me a copy of an agreement with my execution of signature and agreement to any service and proof of service their claiming they provided. 
I received a call from a rep at XXXX XXXX stating I owe {$56.00} I asked her what was the charge for, she stated for cable service. I explained to her that I never agreed nor had any service with them. This is company is a fraud. I have a right to choose who I want to do business with. they have reported this on my credit with brought my credit score down almost XXXX points due to this false credit reporting. please investigate and remove this from my credit report immediately.. 
Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: american express is not doing the right thing about my bill They handed it over to a collection agency where i am never giving out my social security number. I asked did they sell u the account. they wont answer me. Please be a meadiator with American express.I plan to pay off bill by XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I have filed a home equity line of credit to Bank of America. It was not approved and I have requested to the bank to return me back my personal information : tax return and other information for the application. The bank refused and want to keep my personal information forever. Is the bank has the right to keep it?

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 01/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is an ongoing problem : Previous case # ( s ) XXXX & XXXX. 
Attached are documents from Fay Servicing, who are the new mortgage service company for my loan. Transfer of service was on XX/XX/XXXX from XXXX. Ever since XXXX took over the loan back in XX/XX/XXXX, constant problems have continued as stated in previous cases aforementioned. According to XXXX, I am in arrears by XXXX month payments. Attached are copies of recent statements and XXXX ( XXXX ) months of canceled checks. 
The second issue is with flood insurance. Fay insist I have no flood insurance when in fact XXXX letter confirms the coverage. 
Third : XXXX and Fay have been including escrow fees and as stated in A letter dated XX/XX/XXXX, the account is non escrow. 
I want this account corrected and all escrow, insurance late fees etc monies refunded. 
This is also is causing a negative effect my credit score Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I will have to send to you my experian report no XXXX and XXXX. 
My problem is ongoing for over 20 years i am being denied credit. 
Someone is filing old stuff back on and back dateing informationone is XXXX XXXX bank XXXX wirelessother inquires and bankrupcy filing that are dismissednot reporting or removed. 
mostly old stuff also XXXX is reporting a small loan for {$60.00} which has been disputed. 

I want the agentcies to give me a clean slate this is not fair Im trying to re start newcredit and also using my score to be low. 

If they dont stop I feel that I may have to file a XXXX action against all parties. 
I would like to get this removed for good and they are old. 

I will gather more reports when i get them. 

Sincerely yours, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: In XXXX XXXX, my house was broken into ( in XXXX, CA ), personal information stolen, and my vehicle stolen and totaled. I placed a fraud alert at that time. I had a couple of failed attempts at opening accounts by someone, but nothing further occurred. On XXXX/XXXX/XXXX, I placed another fraud alert because someone tried to open XXXX accounts in my name. I received an email yesterday ( XXXX/XXXX/XXXX ) stating that a new credit card account had been opened with XXXX XXXX XXXX and a new card was being mailed out to an address in XXXX, CA ( an address that has never been mine ). I do n't understand how a new account could be opened when I already have a fraud alert. I tried to file a new credit alert but Equifax and the FTC website both said that I already had fraud alerts in progress and could not file a new one. I was also unable to update the current alerts with updated information because the website is not functional or user friendly. I have already filed a police report for this incident. I also have police reports for the past incidents. I am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion is the only credit bureau that is reporting this old account that Im not even responsible for. That has been confirmed with XXXX XXXXXXXX XXXX The account is just sitting on my transunion account and it hasnt reported since 2016. I called transunion but theyre are just not complying with me. So I would love the help from consumer finance protection bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXX or XX/XX/XXXX these  are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus XXXX, XXXX, and Transunion do not want to remove them. The state tax lien is only showing on my Transunion report. Both items are stopping me to be able to establish positive credit please help and get them removed

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 10-06-2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Around XXXX XXXX, 2015 I went into the bank I usually go to, where I also go to XXXX. I then asked the representative to help me. XXXX helped me but then he said that my issue needed to be handled by a banker ; my banker XXXX. He then asked me to wait on the lobby, until XXXX was ready for me. Instead XXXX did not call me into her boot even though her boot was empty. Instead, she scurried in and out of her office several times to get XXXX to communicate with me instead of calling me into her office to speak directly to me. Almost three months went by. I did get XXXX calls from corporate to tell me that what I say is not true. Today, I went into the bank after making an ATM deposit. The representative from the XXXX booth to the left from the door, asked me if she could help me ; I do n't remember her name. I told her that I wanted to speak to the manager. She then tells me the manager is not in, and neither the assistant manager. She then tells me I can help you. I told her my story, but when I mentioned who discriminated on me, she gets out of her cubicle and tells me to leave and get out of the bank because I was making a scene. She called telling her my story making a scene. I waited for her to call someone to throw me out. She just went to the back of the bank and then came back and called a customer to her cubicle. I then asked the person at the XXXX cubicle next to her to help me. She yells out to him, do n't help her she is done here! He then tells me, he has an appointment. This is the excuse they were trying to make for XXXX, that she might have had an appointment. But then XXXX took the time to speak to the customers who were waiting, who came after me, but said nothing to me. The manager finally called me today XXXX/XXXX/15 at XXXX, but then at the end of the call, she tells me that if I do n't like the way I am being treated at her branch, that I should go to another branch. No wonder discriminations is main stream there, the employees cover up and protect, make excuses and deny for each other. I have emailed corporate, XXXX, and XXXX, but no one responds or mitigates my humiliation. I see that Chase has many legal law suites and many Chase hate websites, like XXXX. I see now why. There are so many complaints against Chase ; how shocking. I can see why, Chase adds fuel to the fire, instead of mitigating the complaints. Todays visit solidifies that if I had been a white person ; I would not have been treated this way. And having XXXX accounts with Chase, does not matter to Chase. I was very humiliated the first time ; however, today I have been deeply humiliated. I have been in XXXX California 60 years, and spent 29 years XXXX Count ; however, I never had these type of issues XXXX, but XXXX XXXX XXXX XXXX, it is a frequent occurrence, I am sad to say. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I had a broken water line under my sink, which flooded my kitchen. I opened a claim with my insurance company, but due to the amount of the damage, was required by my servicer, PennyMac Loan Services LLC, to sign over the loss draft to them to be placed in a " restricted escrow account, '' and they would disburse the funds in stages throughout the completion of the work. My mortgage balance is approximately {$87000.00}, my property value is approximately {$550000.00}, and the loss draft totaled approximately {$12000.00}. I have never been late on a payment. From the very beginning, PennyMac gave inconsistent and incomplete directions on what steps I needed to take to receive disbursements ; at every conversation with their representatives, I got different requirements ; or upon providing the requested documents, PennyMac would add a new and additional requirement. At one point I was even told that in order to disburse a portion of the funds, I would be required to have an additional inspection ( at my cost ) to certify the refrigerator and washer/dryer were plugged back in and functioning! Their behavior in the loss draft department is unfair, abusive and deceptive at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a XXXX Veteran that is trying to purchase a loan. XXXX trade line with Experian shows an " Account In Dispute '' for XXXX. I called Experian to get this removed because the XXXX system would not accept my loan application. Experian told me after many phone calls that I would have to contact the creditor. Experian said they will not remove the Account In Dispute Comment for accounts on collections that are over {$500.00}. This allows the creditor an opportunity to force a payment on the account. Even though the account is no longer in dispute. Here is what happens. 
-Individual disputes unknown item on their credit report-Experian sends the dispute to the creditor ( collection agency ) -Collection agency does not have to supply any proof, only respond back that the account is legitimate and the add " Account In Dispute in the comments '' -Several months pass and individual wants to buy a home and the XXXX system kicks it back. 
-Needing a home loan Experian uses that leverage to force the individual to contact the creditor and negotiate getting Accoint In Dispute removed. 
Essentially individuals are required to pay accounts that they believe are fraudulent under duress of needing a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt has already been taken care of in case ; Needs to be immediately removed from credit report. Company should've never purchased this debt. When there is no debt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with SUNTRUST BANKS, INC. (GA).
Issue: Rewards

Complaint: SunTrust grants rewards points on credit card purchases that can be redeemed for various items, including statement credit and direct deposit to a SunTrust checking account. Beginning with my XXXX 2015 credit card statement, the rewards available are included on the statement. The points on the statement are higher than the reward points that are available for redemption on line. SunTrust explained the difference as a " statement error '' and has been unwilling to resolve this issue,

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 01/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Settlement process and costs

Complaint: We refinanced our home with Wells Fargo and they made the check for more than the amount needed so they said they would send us a check for the balance. The closing date was XXXX XXXX, XXXX. The original loan was paid off XXXX XXXX, XXXX. The check for the balance was made out XXXX XXXX, XXXX and we did not receive it until XXXX XXXX, XXXX. The envelope that it came in was postmarked XXXX XXXX, XXXX. That is 1 week from when the check was written. My complaint is that we should have received that check by XXXX XXXX, XXXX which is 17 days before we deposited it in our checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This agency has continued to report to XXXX on an account I paid off in full on XX/XX/2013 and closed as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Texas Guaranteed (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with URS Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Whilst away at school my name and personal information was used to open accounts including this XXXX. I have not or did not give my authorization to open this account and I require a full disclosure of the contract ; payment agreement ; identification used to open this account and all other information pertaining to the opening of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for car loan online and 10 companies did hard inquiry without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2015 I had a water heater installed for {$850.00}. The plumber charged this amount with a hand held credit card processor to my Bank of America Visa. 

A couple of weeks later, I was online checking the activity on that credit card and saw the water heater entry was not on it. I called the plumber and he resent the charge thinking the first entry did not go through. When I received my credit card statement in the mail, the {$850.00} water heater charge was on it twice ; one transaction dated on XXXX XXXX, 2015 and posted XXXX XXXX, the second transaction dated XXXX XXXX, 2015 and posted XXXX XXXX, 2015. 

I called Bank of America and they said they would remove one of the {$850.00} charges. My next Visa statement showed a balance adjustment of {$850.00} made with the transaction date of XXXX XXXX, posted on XXXX XXXX, 2015. 

Since then the plumber has called me and said his bank never received the {$850.00}. He said his bank shows there were XXXX charges in the amount of {$850.00} each and that both charges were deducted by Bank of America. 

I called Bank of America and they told me they paid his bank. I asked for some type of documentation to give the plumber or his bank to show that Bank of America processed it correctly. They refused. They said they would provide that information only if the plumber takes legal action against me. 

The plumber is a self employed, small business owner and has not been paid for the water heater. To go to court could cost him as much as the water heater. 

I paid {$850.00} which I can prove, but that money can not be accounted for. Someone has my money. I am asking for Bank of America to provide proof that they sent {$850.00} to the correct party at the correct bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 'm entitled to a method of verification as I have asked for and if they are unwilling to provid e one the inform ation must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.

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