milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Since XX/XX/2015 I have been in dispute of fraudulent accounts that have been opened in my name. I contacted all three credit bureaus and notified them of my situation. They requested for me to file a police report and send them my identity theft report, both of which I have done. XXXX and XXXX have since removed the accounts from my credit report but Equifax has refused to remove them. I have called Equifax about XXXX times in the last three months and have spoken to many different departments in hopes of getting these fraudulent accounts removed. I have been trying to join the U.S mil-tary since XX/XX/XXXX and have not been eligible due to my credit report have theses fraudulent accounts. I have explained the urgency of my situation to Equifax but they give me the run arounds and keep asking me to send them the save documents I have already sent over 6 times both by certified mailing, fax, and on their website. I have filed a smalls claims against Equifax with a court hearing scheduled on XX/XX/2015 because they are causing me damages and defamation due to their refusal to remove the fraudulent accounts. 

I ask your agency to please assist in contacting Equifax about how they have been handling my investigation and having them due their due diligence properly. At this point, I am missing out on loss income due to not being able to enlist in the military. Please help me as I only want to have these accounts removed from my file. I will be attaching the last documents I have sent to Equifax legal in regards to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Other mortgage) with ASTORIA BANK (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On certain potions of my mortgage someone changed numbers such as the interest rate and then forged my initials to make it look as though I saw it, aporoved it and signed off on the changes. I now have my original closing documents in hand showing that at closing those documents are conpletely different than those records filed with the clerk, XXXX XXXX in Va XXXX XXXX, and different from the records Astoria Bank provided to me via my request in response to their claim, which I disputed and they continue to ignore via their incomplete response to same and their insistance on foreclosing and sweeping facts under the rug.. I have retained an expert in this field, XXXX XXXX, who testified in federal, state and XXXX courts all over the country regarding the sane issues as mine and was lauded for her efforts in that her review and reports enabled lawyers all over the country to prove XXXX XXXX, known robosignature in that debacle was signed by XXXX different XXXX employees sitting in a room signing off on XXXX documents rendering them void after XXXX XXXX testimony and amicus brief. She also assisted in the take down of signature XXXX " Docx. '' My foreclosure sale is XXXX/XXXX/15. I have proven that the filing of the above mentioned closing documents, deed, and note was fraudulent at best and it will be perilous to anyone that proceeds to take my home as it will be a fraud on the court, the records clerk and to any potential buyer as their illegal acts in forging my initials, robosigning my documents and other acts of fraud place a huge cloud on the title, at the very least, as well as nullifying the recording of the note and the deed through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I opened an account at Chase Bank back in X/2016 and immediately started having problems with them. I made a deposit of XXXX which XXXX is owe to me from my accounts. I have been more than patient on waiting to be credit to me from this bank and still nothing till today.I am requesting a thoural investigation of this account has it had been tampered with by branch personnel employees. I had several different accounts where is my Chase Liquid Account balance

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had contacted the credit bureau in reference to these unauthorized inquires back in XX/XX/XXXX showing on my credit report. I was told to contact the companies and did so. I was told that there is nothing they could do. 

Creditors name : XXXX XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX/XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX  Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX  Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX Unknown inquiry, please delete Inquiry date : XX/XX/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 non-monetary relief
Consumer complaint received 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit damage occurred because of beyond my control.one example is the default had happened the contract enter between me and my school, broken by the school.This without investigation the school and education made me in default.I have no money to take this matter to court. 
will review my case please. 
The second issue I have is with XXXX.They charged me high interested rate. Because of this I had paid high down payment and my trade and XXXX years loan for used car. 
will you review my contract with XXXX. 
Thank youl

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 01-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I endorsed my paycheck with signature and account number, I also added my bank mail address to front of check. Then I asked my wife to deposit my paycheck into my Bank of America account. The bank teller gave my wife a difficult time about accepting the deposit and told her she should have taken the check to an ATM, then they demanded ID and other items for her. She was only acting as my courier. Finally they accepted my paycheck but deposited into the wrong account, a joint account I have with my wife. 
This is not the first time this has happened. I called the bank and complained vigorously that evening. The following day my wife went to the bank and demanded they fix the mistake On other occasions, the teller has instructed my wife that if she were to deposit checks written to me into her joint account, she could then draw the money out or have access to the money. My wife and I have an excellent relationship and we keep our finances separated to help with that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Western-Shamrock Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: National Finance continues to report late and past due balances to the XXXX credit bureaus. National Finance was included in the bankruptcy, they were notified in XX/XX/2016. No reporting should have occurred beginning on XX/XX/2016 it violates the automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Wells Fargo Home  Mortgage has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from   Wells Fargo site about my principal balance.
I hope im not apart of Wells Fargo   discriminated against  XXXX    XXXX  . Because this really make no sense to me as to why  Wells Fargo is   reporting incorrect balance to make my  credit score  go down.

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 10-02-2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: The number they are calling from is XXXX ( leave a message to call back at XXXX ) and says her name is XXXX ( with a real thick Jamaican accent and they have left several messages and/or spoke to with not only me, work place of employment, my family and friends. They refuse to state the company they are working for. I have told them to stop calling and told them to send me all the information in writing. They refuse and say they will get an arrest warrant for me. They even called my family member who is a police officer and he explained that he is an officer and that they ca n't arrest for debts. She was so rude and telling him yes they can so he asked to speak to a supervisor and she said there is n't one there but they have a police officer there he could talk too. My family member so ok, he would love to talk to the police officer that was there and she cussed at him and hung up. 

They have also called other family and friends stating they are filing papers through my county and will be arresting me. 
I do n't even know what this is for or about because they refuse to send me anything in writing or give any of their company information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Two years ago, I stopped into my mortgage lenders local banking office - Chase in XXXX, KY and was told if I was a new customer looking for a new mortgage they would lend me $ XXXX assuming the property met the appraisal. At that point I had owned the property almost 3 years. I was aware the property values were increasing in the neighborhood based on a discussion with my real estate agent and wanted to have PMI removed. After now 5 years into the loan the principal balance is below 78 % - JP Chase Morgan is still forcing me to pay them {$110.00} in order to remove the PMI. The {$110.00} is to have a broker/realtor come out and provide an OPINION on the price. Broker Price Opinion. 
When I purchased this property in XXXX XXXX, I purchased it for $ XXXX and the appraisal came back at $ XXXX. Up until XXXX of XXXX - they were requesting I pay for an appraisal at a cost of {$450.00} which is {$100.00} to {$150.00} above the XXXX market average for an appraisal. In XXXX appraisals were running {$300.00} to {$350.00} at the time of the original request. I was told by the mortgage group at Chase that this was the national average ... so including inflated appraisals for places far beyond our standard cost of living. This is JP Chase Morgan robbing the American people of money they should not be entitled to. 

I am a single mother, have called requested to speak to supervisors, called the executive office and requested to speak to executives that they are taking money from mortgage owners that they have no right to ... forcing us to pay a premium in order to have the insurance removed from the account. When I signed my paperwork in XXXX of XXXX, the title company was adamant that at the point I had paid my mortgage at or below 80 % to contact the company to have the PMI released or waived. I have never been late on a mortgage payment, I have had several conflicting communications from Chase bank regarding my mortgage - for example they sent me a communication if I opened an account and had my mortgage automatically deducted I would be entitled to a 2 % kick back on my mortgage interest. When I signed up and reviewed my mortgage the next year, I called only to find out I had been lied to and was not entitled to the program because another bank had sourced the loan from them ... so although they were the loan servicer immediately I was not entitled to the program they marketed and told me I was entitled to. I do not want to pay {$110.00} ( unless they plan to put it on my principal of my loan ) to get rid of a forced fee, they are not entitled to. Today I was notified that XXXX - was the one requiring that the PMI remain on the loan UNLESS I ordered a BPO. I spoke to XXXX last week thinking they could help me. The XXXX rep informed me that my PMI being waived or released had nothing to do with XXXX and that was solely dependent on the mortgage lender. So now Chase is saying oh no it 's XXXX requiring this. Please, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Other bank product/service) with PENTAGON FEDERAL CREDIT UNION (MD).
Issue: Making/receiving payments, sending money

Complaint: 1.Theft of Mass Proportion of over about $ XXXX.Blatant disregard for the XXXX, Armed Services, actions without verification, Privacy, professional rules of conduct, and the rules of law.Favors and conduct unbecoming of all bank guidelines, concepts, protocol and authorization by me, the account holder. 
2.Recovery and compensation for the suffering of myself, my family and the current threats 3.Immediate follow up and investigations per request of the financial Institution Of the Pentagon Federal Credit Union Fraud Department , Lawyers and Bank managers. of many months of complaint of the main office, Virginia office, XXXX XXXX XXXX, email, and telephone calls.I gave no one permission to make changes or act on my behalf of my life/worldly possessions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Transworld Systems Inc on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Transworld Systems Inc still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

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 Experian Information Solutions 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 do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you please help me?

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 08/24/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan currently held by XXXX, who purchased the Loan from XXXX. My mortgage has never been late and is consistently paid XXXX months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from XXXX taking it over in XXXX of this year. In early XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with XXXX. I contacted XXXX and XXXX stated that they were not responsible because they had the loan serviced by Loancare for a short time, approximately a year. I am currently awaiting a response from Loancare. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying XXXX months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. Loancare, XXXX and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, 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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I made my mortgage payment through XXXX XXXX XXXX that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my XXXX XXXX XXXX account to my XXXX XXXX Mortgage. I have a confirmation from the XXXX XXXX XXXX online banking history that shows the payment date as XX/XX/XXXX.  However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.

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