milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: I requested a FREEZE on my credit reports in the past week of XXXX XXXX, XXXX and when I called XXXX XXXX at XXXX on XXXX evening, I told them my accounts have a FREEZE on them. I have a pin number that was sent to me, but apparently the FREEZE does not work. I was able to purchase XXXX at the level I chose with the 30 day free promo code. I was unable to call them to fix this because of the long phone queues and no one answers. I know they are under fire from watching XXXX XXXX. If the FREEZE is not going to work, t hen do n't issue a pin number. I always follow up. Trust and verify.

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 09-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Other

Complaint: Bank of America XXXX XXXX credit card - I have not used this card in years. Annual fee was reported as bad credit to credit reporting agency. My credit score of over XXXX with nothing late is now XXXX. I found out when I went to apply for a mortgage. We were in the middle of selling XXXX home and purchasing another. I phoned Bank of America customer service and they were unwilling to help. When I saw the XXXX XXXX mail the XXXX time I did open it. It was already to late. I told XXXX the manager at Bank of America, " I have n't used this card in years why would you still send this out and charge me? '' Her respond was, " you knew what it was when you signed up. " If a person does not use a card in 3, 4, or 5, years why should a credit card company be able to bill you and then ruin your credit because of a fee? 
Can someone help me with this problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I had and account in2009 with Bank Of America that closed. The account was closed because of a check that I received that I deposited but had no idea it was fake. However I paid the bank back and now they are saying I ca n't open another account.

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 10/15/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Taking out the loan or lease

Complaint: One Main Financial in XXXX, Ohio falsely wrote the value of my home at {$37000.00}. When I said NO, that 's incorrect, he was dishonest and said he got it from the County Auditor 's site. 

The value of my home is {$56000.00} on the County Auditor 's site and the attached land is {$4000.00} for a total of {$60000.00}. NOT {$37000.00}! That 's a difference of {$23000.00}! 

This was done purposely! I was not feeling well at all that day and did NOT realize it had n't been changed to the CORRECT value as I had asked that it be. 

I am on XXXX ... XXXX. 

This is yet ONE MORE WAY that people with XXXX and usually with low incomes are taken advantage of! 
It needs to STOP. I had an average credit score, not a poor one, and equity in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ALL CREDIT AGENCIES ( EQUIFAX XXXX ) LISTED ACCOUNTS " NOT MY ACCOUNTS '' AND OUTDATED PAST 7YRS SINCE 2007 REPORTED PUBLIC RECORDS OUTDATED AND NEVER HAD ANY STATE TAX LIENS ( 2X ON FILE ) CASE # XXXX AND CASE # XXXX./..DELETE ALL FROM CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 have been trying to have this account deleted from my Equifax report XXXX XXXX XXXX XXXX as this account is passed the Staute of Limititations for reporting. Equifax continues to re-age the account. Which is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo filed action for a foreclosure sale inXX/XX/XXXX I filed for Chap. XXXX bankruptcy protection in XX/XX/XXXX. I was eventually given a loan modification in XX/XX/XXXX essentially starting over with a new mortgage. I have since fallen behind on my mortgage. I have filed numerous applications hoping to get a new modification and start making payments moving forward. All of my requests for modifications were denied. I appealed the denial and recently was told my appeal was denied. I assume Wells Fargo 's next step will be to set a foreclosure sale date. If this is done I will be forced, and am prepared, to file for Chap XXXX bankruptcy protection again. I am trying to work with Wells Fargo on a modification. I would like to avoid filing for bankruptcy if possible. In researching possible remedies for my predicament I have found that Wells Fargo has violated numerous federal laws, most specifically the Real Estate Settlement Procedure Act ( RESPA ). I also believe Wells Fargo could be found liable under the Massachusetts Consumer Protection Act ( Chap. 93A ). I am considering options available and would appreciate any information that may be relevant to my case.

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 06-08-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On yesterday, XX/XX/XXXX @ XXXX and " again '' @ XXXX I contacted Bank of America ( Automated System ) to get my daily balance ( as I do everyday ). According to Bank of America 's ( BOA ) automated  system there were 5 transactions that reported " CLEARED '' to my checking account on XX/XX/XXXX in the following order : 1 ) $ XXXX-CLEARED ; 2 ) $ XXXX-CLEARED ; 3 ) $ XXXX-CLEARED ; 4 ) $ XXXX-CLEARED ; AND 5 ) Check # XXXX in the amount of $ XXXX-CLEARED leaving my daily balance @ {$31.00}. Yesterday, I made 2 deposits totaling : $ {$36.00}. However today,XX/XX/XXXX @ XXXX, the BOA automated system reports the " exact same '' following transactions as " PENDINING PAYMENT '' with {$35.00} charged to each 1 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 2 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 3 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; .AND 4 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed. I am DISPUTING, the 4 separate {$35.00}  fee 's assessed totaling : {$140.00}. I am also DISPUTING, the two other {$35.00} fee 's assessed for  Check # XXXX in the amount of {$62.00} and Check # XXXX in the amount of {$55.00}. According to the BOA female representative ( today, XX/XX/XXXX prior to my transfer to XXXX ), CUSTOMERS have until XXXX the next day to submit payment before fee 's are assessed. However, fee 's are already assessed to my account for the two checks that were processed overnight last night Check # XXXX ; and # XXXX ( prior to XXXX ). When I spoke with XXXX today, XX/XX/XXXX he credited my account with 2 of the assessed fee 's of {$35.00}. I am still, a VERY DISSATISFIED BOA CONSUMER. BOA, have reported transactions ( via the BOA automated system ) in error which caused my account to be in a " NEGATIVE '' status. The BOA automated system reported transactions as " CLEARED '' when they had n't " CLEARED '' causing complications with my account. I am requesting, that BOA correct THEIR error 's by crediting all of the improper fee 's assessed to my account for their improper reporting 's on yesterday, XX/XX/XXXX as " CLEARED '' items. I check my account ( via the automated system because of previous ID theft via the internet on-line banking ). This problem is a daily occurrence where transactions are reported as " CLEARED '' when they really are NOT. Sincerely, XXXX XXXX @ XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Credit card () with WELLS FARGO & COMPANY (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2015, Dillards/Wells Fargo Bank opened an unauthorized and fraudulent credit account in XXXX XXXX, XXXX in my name and, without verifying the accuracy of any information provided on that application, such as phone number, thus allowing {$2000.00} in merchandise to be charged. I discovered this upon receiving the card in XXXX, my home, on XXXX/XXXX/2015. In trying to work with Wells Fargo Bank to get all the information available on how this happened, find the perpetrator, clear my credit and protect myself, I was treated as the criminal not the victim. I was given no help, no curtesy, no explanations and no satisfaction that my welfare was of any interest. All I was told was that it would take from XXXX days to investigate. I have been forced to take numerous expensive steps to protect myself from the jeopardy that Wells Fargo Bank created because of their inadequate procedures to carefully establish identity before opening credit accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing in regards to a collection account ( XXXX ) IN AMOUNT of {$280.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm being charged a XXXX XXXX XXXX fee. I called my mortgage company and they could not explain. They said they would call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: As previously complained of in CFPB complaint # XXXX closed XX/XX/XXXX, as well as CFPB complaint # XXXX, closed XX/XX/XXXX- American Express BlueBird XXXX has again closed my account this day XX/XX/XXXX, allegedly under BMA section 22D again. This pattern of BlueBird arbitrary closing my account has not been explained except for the phrase : " feedback has been provided to the appropriate parties regarding this matter '', but yet this behavior continues to happen about every thirty 30 days. Being a service-connected XXXX & otherwise homeless U.S. Veteran, I must have confidence in the ability to access the little funds I do have. If I am violating the BMA, I should be told with specification on how and when this occurs. If BlueBird simply does not want me to have an account, they should tell me so that I can make other arrangements for prepaid services ; rather than leaving the impression... " the appropriate parties '' have been provided feedback regarding this " re-peated matter ''. In view of my pervious CFPB complaints, it seems that I am being personally targetted with this " account-closing harassment, '' for unspecified reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Regions bank got a check from me a  XXXX  person {$26.00},  XXXX  from social sercurity, they took over {$800.00} for a deposit which is illegal, my attorney   XXXX   XXXX   is the witness  XXXX   XXXX   XXXX  regions owe me big time it is against the law to take funds from a  XXXX  person

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 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX a transaction of {$7600.00} was made at Hawaii XXXX in XXXX XXXX in XXXX XXXX county. I received a call from Bank of America alerting me to the transaction. They asked me if I was the one that performed the transaction and I said I did not. Immediately a fraud dispute was initiated. This was a visa purchase made at the grocery store based on the information on my statement. Bank of America issued a temporary credit in that amount following the dispute. On XXXX the bank reversed the transaction and recharged me the entire amount to my account. On XXXX I received the attached notification that the bank would not follow through with the fraud dispute. They claim that this was a cash advance/ATM transaction. This is not consistent with the information listed on my statement and the information provided to me by the bank. I do not believe the bank performed it 's due diligence in researching the fraud. A large transaction such as this should have signature verification in place and I do not believe the bank even went as far as to obtain those records. On XXXX I filed a police report which is also attached below. Case number : XXXX Officer : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have completed a five year chapterXXXX bankruptcy plan all payments on time all payments on plan have been paid no missed payments some creditors are on my credit report showing missed an delinqet payments my credit report shows poor credit with derogirtory remarks NEED HELP to resolve this stressful situation

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 03/16/2017 about Credit reporting () with JMD,LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Collection agency reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently pulled my credit reports and found a collection account with Convergent with a balance of {$400.00}. I am not responsible for this debt. I have n't signed a contract with this company and I have no record of any such debt prior to receiving my credit report.

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 04/21/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am filing an official complaint against ARS Account Resolution. They are not putting this collection back on my account, when they sent me written verification that the account was closed and they would remove it from my credit report. If it had not been for me checking my credit this morning I would not have known this. They are in violation of the FDCRA as I have asked them in the past to give me the written contract with my signature on this as well as a signed  HIPAA  Release form. If this account and all subsequent accounts from ARS Account resolutions are not removed from my credit report I will take legal action. If this company can not provide a signed contract, a signed  HIPAA  release form stating I gave this provider permission to share my medical information then I am asking they be investigated for violation of the FDCRA. I notified them in writing many times and they are now in violation.         Credit Items ARS ACCOUNT RESOLUTION  S Ad dress :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  No phone number available Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  Address Identification Number :  XXXX  Status : Collection account.        Status Details : Th is account is scheduled to continue on record until  XXXX   XXXX .   This item was updated from our processing of your dispute in  XXXX   XXXX .       Date Opened :  XXXX  Reported Since :  XXXX  Date of Status :  XXXX  Last Reported :  XXXX  Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility :  Individual Credit Limit/Original  Amount : {$580.00} High Balance : NA Recent Balance : {$580.00} Recent Payment : {$0.00} Payment History :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX  Account History : Collection as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

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 07/17/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Aurora Loan Services was the servicer of my loan in XXXX. XXXX XXXX purchased my loan from XXXX XXXX XXXX XXXX in XXXX. At the time this purchase was made, there was no assignment of the mortgage & or the note to XXXX XXXX or XXXX or Aurora in the county records. It is Florida state law that these records are to be recorded in the county records if transfer occurs of a loan. The mortgage and the note are to be kept together at all times. When Aurora purchased the loan from XXXX XXXX XXXX Mortgage, an assignment of mortgage mysteriously appeared which was predated back to XX/XX/XXXX. The assignment alleges that XXXX XXXX XXXX, XXXX F/K/A XXXX XXXX XXXX was the assignor and Mortgage XXXX, XXXX was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The document was recorded by Aurora Loan Services and prepared by a known robo-signing and false document mill by the name of XXXX XXXX. The document states that it should be returned to Aurora Loan Services after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to Aurora Loan Services ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for Aurora Loan Services. At the time this document was prepared and signed, XXXX XXXX XXXX XXXX XXXX, had in fact been defunct for 2 years. When this document was recorded, XXXX aka Aurora Bank FSB fully purchased the loan from XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX and XXXX, llc have never been a member of XXXX and would not have had the authority or the membership to assign my mortgage to XXXX in XXXX. It is obvious that this is a fabricated document and there are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. After this occurred the loan was securitized and there were several other servicers servicing the loan. Then, in XXXX XXXX BANK XXXX decided to buy the loan back and serviced the loan from XX/XX/XXXX to XX/XX/XXXX with a completely different loan number. In XXXX XXXX filed bankruptcy, so why the sudden interest in my loan? Aurora Bank FSB F/K/A XXXX bought back my loan from the trust and then sold the servicing rights only to Nationstar Mortgage, LLC so it could fund itself? XXXX governs the sale & securitization of a negotiable instrument. Once the asset is sold, the bank is no longer the REAL PARTY in interest. Aurora Bank FSB bought the mortgage and note XX/XX/XXXX. I have requested information from Aurora in a QWR and I have been refused the information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called AES ( American Education Services ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( XXXX, XXXX, XXXX ). I am not sure how the credit bureaus verify this when AES is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both AES and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/XXXX while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.

Company response to consumer: Closed with explanation