milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX and I have been going back and forth with XXXX and Experian for years. With Experian, my file is managed by XXXX XXXX. My issue is that I have left a 3rd voicemail for her and she has not called back. I am a victim of identity theft. I have sent over all of the required information and there is still one item on my report, in collections, that is a fraud item. I spoke with them this morning and they have the required information. They have broken the law because on a recorded line, I was told that within 5-7 business days, they would remove everything that was reported/disputed as fraud, once they verified the police report, which they have. They received the information, which I have attached to this complaint, on XXXX XXXX, 2017 @ XXXX XXXX  EST. All I want is for them to remove the XXXX XXXX XXXX Item that should not be on there that I disputed. That is it. 

I was told by XX/XX/XXXX that the items would be removed from my report within 7-10 business days. That has n't happened. I have also attached confirmation that they received my fax, on XXXX XXXX, 2017 in the evening. I am not pleased at how this is working out. I have also emailed every single executive 's email that I have found to get this situation resolved as well. My disputes are not a regular case. It is a fraud case, and the items should be removed immediately. I look forward to those being removed asap, as if they are not, we will be heading up to our local courthouse to exercise our right to be sued. Lets mention that my information was compromised in the hacking situation, so I may be exercising my right to sue in that aspect. I look forward to this being resolved asap.

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 02-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid my mortgage down to 78 % of the home 's original value. The lender should remove my mortgage insurance automatically. The lender is telling me that I need to get an appraisal done. I should not need an appraisal. They will not allow me to speak to the person making the decision. Specialized Loan Servicing. Not very specialized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit card protection / Debt protection

Complaint: Dear Synchrony Bank this is my third time disputing the credit card transaction against XXXX. On XXXX XXXX, XXXX I received a letter from Synchrony Bank post-dated XXXX XXXX, XXXX in regards to a dispute for account ending in XXXX. According to the invoice provided by XXXX XXXX which his own invoice detailed what material and work was expected to be completed at my residence. In the invoice it is documented that the customer, I agreed upon to have granite counter top, installation, and wooden kitchen cabinets installed in the amount of {$7800.00}. Again In his own letter XXXX XXXX stated he never completed the job and not all the goods as promised upon by both parties have never been rendered or delivered. Therefore, I am disputing this charge once again ( 3rd time ) for the goods that I ordered in which were never provided, I was wronged by this transaction, and how can I be charged {$4000.00} for something I never received, was provided, or rendered in its entirety? We opted to utilize another company, XXXX and again I faxed a copy of their invoice showing the work and material that was never rendered by XXXX XXXX had to be repurchased in an amount more than {$4000.00}. As a consumer I would thoroughly appreciate if Synchrony Bank would do a comprehensive review of my dispute. I have faxed more than enough documentation, on XXXX/XXXX/XXXX I faxed a comprehensive report outlining my claim, but I am faxing the same information for the second time for you to review again. Secondly, if you find my claim to have enough merit, I would like Synchrony Bank to remove the funds from the merchants account and put it back onto my account. Despite XXXX XXXX no longer using Synchrony Bank is not matter of our concern as a consumer, because at the time of agreement of the services requested and goods that I thought I had ordered by myself the funds were never received to me from XXXX XXXX XXXX to XXXX as originally agreed upon on XXXX/XXXX/XXXX when I was pre-approved for an open line of credit with Synchrony Bank. 

Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Midwest Recovery Systems (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The collection agency, Midwest Recovery Systems, was added to my credit report on XX/XX/2018. The debt or the account with the original creditor isnt mines.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Today is XXXX XXXX, 2015. I have been trying to receive a loan payoff amount from Bank of America for the past week, so that we can close the sale of our property. When I called their customer care line, the agents who I spoke with obstructed my ability to obtain a loan payoff amount. In dealings with both myself and the designated closing agent, they have refused to fax loan payoff amount information. The only reasoning I can assume for this violation of my rights is that Bank of America continues to abuse SCRA loopholes, and prevent service members from receiving fair disclosure and account servicing. This is not the XXXX time I have reached out to the CFPB regarding Bank of America 's policies and procedures on my mortgage account 's servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax online dispute module reported error message stating unable to process after successfully completing questionaire. (? )

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Got screwed by Citibank on the {$400.00} bonus Checking account promotion. It was been almost 5 months since I opened the promotional account but I 've not received my {$400.00} bonus. I have contacted them many times and even though they insisted multiple times on the phone that i was eligible for the bonus and had met all the terms/requirements. The one supervisor I spoke to told me it was be credited on XX/XX/2017 but now it 's XX/XX/XXXX and I still have n't see the bonus credited. They filed an investigation/dispute on my case to research on why I did n't get the promotional bonus. Why would they need to file a investigation/dispute for a promotional bonus? Very nonsense!! I called again yesterday and the Rep told me there was a letter mailed out to me saying I did not qualify for the promo which was ridiculous. Every time I called, they tell me different thing. Very inconsistent. They are not promising what they promoted which felt like a scam to me. I will be closing my account this week. I 'm not going to waste anymore of my time arguing with them back and forth. This was my first time opening an account with Citibank and would definitely be the last time.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been disputing Wells Fargo Dealer Services since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time Wells Fargo Dealer Services confirms that this account belongs to me. I 've asked XXXX, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with Wells Fargo Dealer Services and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

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 09-11-2015 about Mortgage (VA mortgage) with UNITED SECURITY FINANCIAL (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We asked the bank for a minimum net proceeds amount to determine if we could find a buyer. The bank told us on XXXX that acceptable net proceeds of {$230000.00} were required. We provided an offer to avoid the foreclosure. the investor then, after reivew for one week change their mind and now want an additional {$7500.00} above the offer and to reduce commission to 3 % for XXXX agents to split. The short sale national protocol is 6 % between XXXX agents. We reduced the commission to 5 % split between XXXX agents to try to make this offer work. This was the highest offer received in 2 years on market, they turned it down the day of the foreclosure, then 5 minutes before the foreclosure they postponed the foreclosure for offer review again. That was on XXXX XXXX, 2015. Now they have returned today XXXX XXXX XXXX, 2015 ) at the same terms as prior to their review XXXX {$260000.00} and reduce commission to 3 %, split between XXXX agents. So in essence, they are now again more intent on foreclosing on an XXXX service member and his veteran exwife who is suffering XXXX. Therefore we feel that the investor XXXX United Security Financial XXXX is force placing this foreclure by offering terms that no one could oblige.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I submitted a complaint recently about a HELOC from XXXX XXXX   unconfirmed debt from XXXX. XXXX XXXX XXXX has sent me a letter of intent to foreclose. My mortgage was modified in XXXX with XXXX  XXXX XXXX. I never took out a loan or HELOC with XXXX XXXX XXXX. I pay my mortgage to XXXX XXXX   XXXX each and every month for the past 10 years. I paid the payments in the condo, for 10 years straight blood, sweat, and tears. SLS paid nothing. You already made my life XXXX by negative credit reporting for 4 years straight. I paid for 11 years straight. I was offered no options. Nothing is for free.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Trouble during payment process

Complaint: In XXXX Freedom Mortgage received my normal, regular mortgage payment that I have sent to them for years through my bank 's bill pay account. Their 'cash handling department ' misapplied that payment as an escrow payment. In early XXXX the error was caught. We spoke with Freedom Mortgage about it and they put in a ticket to get it resolved, which they have failed to do. Everyone has been nice that I've spoken with but after a dozen phone calls and 4 different solution dates that they have given me, the problem persists. In the meantime my other payments have been processed properly but they went ahead and reported me as late to the Credit Bureau agencies causing my credit score to drop 65 points. They keep telling me that the cash handling department has to fix this and yet there is no way for me to speak with that department. There should be some recourse ; some government body perhaps that has oversight over these kind of abuses.

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 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Original complaint filed against this CRA on XXXX XXXX, 2016 under case number XXXX. Instead, of acknowledging the complaint, the CRA sent a standard " boiler point response that they will check with the original furnisher of information ''. In fact, report number XXXX, dated XXXX XXXX, 2016 has XXXX accounts that are listed on the report as : " This account is scheduled to continue on record until XXXX 2016 ''.

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 01-04-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past XXXX years, Chase Mortgage has made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into obtaining XXXX. Moreover, I have never received an offer from them. On the other hand, I only have XXXX inquire from Chase XXXX. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about a person 's financial history. This is abusive. Whaat steps is Chase Mortgage taking to insure their employees are not abusing their sensitive information access. 

It confuses me how you would try and tie me to an account that does not belong to me. I received a letter from Chase with a person named XXXX at point of contact. He attached a loan that does n't belong to me and provide a contact number which I have never provided.i will repeat I only have an Chase XXXX loan. Chase needs to explain to me throughly or I will have to take it a step further. 

P.S. USE THE INFORMATION I PROVIDED TO CORRECTLY IDENTIFY THE CORRECT PERSON. DO NOT INSULT MY INTELLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I cancelled a phone line which was ported to a new provider. Former telephone company refused to close account for months. I receive 1st collection letter which I timely disputed. Collection continues to contact me with following written communication which states : " All I can do is explain the alternative to you. From there, you have to determine whether the potential cost in time or otherwise, is worhwhile. Let me reiterate-the choice is yours ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 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 status incorrect

Complaint: I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.

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 04-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: At the suggestion of the New York Department of Financial Services, I am filing a complaint against Chase for arbitrary and capricious denial of Loan Modification relief in violation of Chase Bank Settlement decree entered into NYS Department of Financial Services Settlement Agreement, XXXX Consumer Protection. After 60 days of processing loan relief documentation, the only offer given to me was to sell my property. Lastly, I just received notice from Chase stating I have reached the end of my fixed interest rate period and they now have the right to adjust my interest rate as they seem fit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I disputed this debt. First I got XXXX phone calls after I told them not to call me again the first time. I then received a letter saying that I had 30 days to dispute the debt and if I did not it would hit my credit if not paid. I sent XXXX letters, XXXX regular mail, XXXX certified on XXXX XXXX, well before the 30 day deadline. I noticed today that 4 days ago they hit my credit. I called today, the XXXX of XXXX, to inform them that I will be filing this complaint as well as taking legal action against them.

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 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had credit cards with XXXX and XXXX XXXX XXXX. XXXX agreed to take a settlement, but agreed to remove any negative info off my report if I paid the settlement. I paid, but they left the late pays and settlement status. I felt they lied to get me to pay and now they wo n't discuss it. XXXX XXXX XXXX helped me by setting up a payment plan. They advised everything would report Paid as Agreed and no late pays. However, I still see several late pays on all XXXX credit reports. I 've since paid off B of A in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Specialized Loan Servicing , LLC, ( SLS ) has not been working in good faith with us to process a mortgage modification for our small family farm. In fact, they have been untruthful in regard to missing documents, resulting in multiple reapplications and costly delays. After I filed a complaint with CFPB in XXXX of 2015, SLS finally offered us a Home Affordable Modification. It was processed and SLS said that they sent the finalized document to the courts for approval on XXXX,2015. They lied! Every month, they said it was in process with the courts and every month they lied. The final document from SLS still has not been received by our attorney or the court. We are just asking for a chance to be able to pay the mortgage on our farm at a reasonable interest rate. My family of XXXX generations is facing foreclosure if we can not come to some agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Meridian Financial Services, Inc. (SD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Lists six different accounts, so six different collection accounts listed on two major credit bureaus for one account they claim has a balance. They are unable to produce a written document to verify even one debt, let alone six.

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 08/18/2016 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've registered my number and informed this monarch recovery to stop calling me.

Company response to consumer: Closed with explanation