milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

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 01/26/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has refused to follow the rules when it comes to foreclosure processes. I have repeatedly informed Bank of America the modification process is incomplete and pending due to the fact no written determination on appeal has been issued to me by an Appeals Specialist of the Appeals Department. However, Bank of America broke the rules by starting the foreclosure process before completing the modification process, a practice prohibited by law commonly referred to as Dual Tracking. 

Bank of America had no intention of honoring my request for mortgage assistance by offering me a Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) as the Bank of America Appeals Department instructed and directed on XX/XX/XXXX upon completion of the timely requested appeal review as a result of the XX/XX/XXXX MHA HAMP incorrect denial. Once it became clear to me Bank of America decided not to modify and chose to separate me from my home by hook or crook and an improper non-judicial foreclosure, my only option was to force Bank of America to bring the matter ( or related matter ) through California XXXX Court to be decided. This is where we are at. Bank of America must bring legal action to evict me from or gain possession of the subject property. To successfully do this, Bank of America must first prove Dual Tracking, or any other violation of law, has not occurred allowing for the XX/XX/XXXX recording of a Notice of Default ( NOD ) resulting in the XX/XX/XXXX Trustee 's Sale at public auction. 

All previously mentioned resolutions are desired and mandatory.

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 03-10-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. 
Federal Law states they can not do this. Now what do I do. I am financially broke!

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In Mid-XX/XX/2017, my sensitive personal & financial information was stolen from Equifax in a massive data breach. Considering that Equifax houses data on the majority of American adults, their security was woefully inadequate, and their incompetence was highlighted by the fact that they did n't even discover the breach until at least 2 months later. I 'm now reasonable certain that my first and last name, Social Security number, birth date, addresses and possibly my Drivers License number is now available to the highest bidder. 

As a result of this, I will now have to look over my shoulder for the entire rest of my life, and be hypervigilant about my financial and personal security. I 've still yet to determine the full impact of this situation, but I can guarantee that I will have to spend a lot of time and money to protect myself for as long as I 'm alive. Equifax needs to be held accountable for putting hundreds of millions at serious risk.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Auto debt) with BB&T CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I went to a XXXX XXXX to buy a car. I came to find out the salesperson used deceptive and fraudulent tactics to obtain the sell which caused personal and credit damages to me. I do n't have the means to pursue them finically so I have never filed anything against them. 

I was initially denied the car because of my credit, even with my mother cosigning. The following day the salesperson called me said he found a way to get me approved. So I went to the dealership to sign the papers and drive off in my car. When I got my first bill for the car the statement it was far from what I and the sale person agreed upon. I took a look at the papers they gave me and my personal info was incorrect and the price was incorrect. I came to find out the salesperson change letters around in my name and added false info to me and my mother applicant to get me approved. I called the finical company and told them the situation. I asked to return the car but the operator could n't give me a straight answer on how the process worked. I got frustrated and hung up and called to get another operator, I told the operator the same situation and that I could n't afford the car and the information was false. I would just like to return the car to the dealership, the person threating that I would still have to pay for the balance left of the car even tho I did n't make one payment and the sale person add fraudulent information to my application. After not paying a payment on the car eventually, the repo person came and pick the car up. I thought the situation was taken care because I did n't hear from them after they came and got the car. I recently notice info on my credit as well they have taken legal action against my mother.

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 06/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: I was depositing a XXXX Bank check ( made out to me ) at my Wells Fargo Bank branch on XXXX XXXX in XXXX, WA. I 'm a long standing customer with WFB, have XXXX thousands of $ s in my acct., a WFB visa card ( in excellent standing ) and a safe deposit box. The teller in question has seen me conducting business several times in the branch. As I was depositing my check ( no cash back requested ), she " XXXX '' asked me : how did you come to have this check? I told her that was " private info '' and she only said : I 'm just making conversation. No mention from her about needing to ask me for " bank '' reasons, just " making conversation ''. I called the branch mgr. who seemed oblivious to the highly inappropriate and unprofessional action her teller had taken towards me. Later, something occurred to me. I 'm XXXX XXXX and she is XXXX. I believe she " profiled '' me as someone to watch out for, to be suspicious of, leading her to ask me " how " I '' got the check from XXXX bank. She should be " officially '' reprimanded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit card () with KEYCORP (UT).
Issue: APR or interest rate

Complaint: I am deeply troubled because Key Bank raised the interest rate on my business card to 30.24 % for no fault of mine. I have never been late on my payment. 

I was scammed by a company back in XXXX XXXX and I requested a chargeback. After about 30 days of investigation the KeyBank fraud department approved the chargeback and credited my account. I did not make payments during those months because I did not owe them any money because of the chargeback credit. 

Then in XXXX XXXX I get a letter from KeyBank that they have reversed the credit and recharged my account the {$2000.00} I was charged by this scam company. I decided to make monthly pmnts but on examination of my statement I am being charged now 30.24 % interest and my credit score has been damaged. 

I called keybank support and talked to XXXX and her supervisor and was told that KeyBank does not lower interest rates and there is nothing they will do about it. I am extremely upset about this. Key Bank has hurt me, cost me money and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Other mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX XXXX and had my loan serviced thruogh XXXX. I had set up automatic payment to come out the XXXX of every month and had no problems or missed payments. On XXXX XXXX XXXX I received a packet in the mail stating starting that day my loan will be serviced through Loan Care. I never received anything from XXXX saying they were selling my mortgage. I contacted Loan Care to find out how to pay my XX/XX/XXXX mortgage since it was due that day. When I contacted Loan Care they were unable to tell me anything because it would take some time for my account to be loaded into the system. They told me to go ahead and send a payment in with the coupons that came in the packet of info. I mailed the payment and coupon on XXXX XXXX and kept checking on the status of it for 3 weeks. The payment has not cleared, I am being told that I am past due. I asked if I should stop payment on the check and just pay online. I was told if I stopped payment on the check I would be charged a XXXX dollar NSF fee. In the meantime, I set up automatic payment for XXXX XXXX mortgage and that payment has n't cleared the bank either. I never asked to be sold to another company and this has been a headache for about 4 weeks. I have made 4 phone calls and no one has been able to tell me Anything. My homeowners insurance was also renewing in XX/XX/XXXX and my insurance company had no idea who to contact regarding billing. This is ridiculous. I can not believe that I did n't have to legally be told sooner than the day payment was due. XXXX never informed me of anything. They sent the XX/XX/XXXX statement saying the normal payment was due but never anything about selling the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing yet another complaint against Wells Fargo Home Mortgage. Recently I asked Wells Fargo about a mortgage modification packet I submitted in courton XXXX XXXX, 2011, via their attorney XXXX XXXX, an employeeof XXXX XXXX XXXX XXXX. I submitted the documents in court because I wanted a record of the documents being submitted. I even went as far as asking the Magistrate if the Attorney could look over the documents to make sure everything was filled out correctly which she stated, " It appears so. '' The Magistrate gave Wells Fargo 100 to 120 days to complete their end of the dealbut they never did. After numerous calls, I was told that it was lost and to just fill out another packet because it expired anyway. Now, Wells Fargo is stating that they never received any modification documents from their Attorney and that I never submitted any documents in court so my question to you, Wells Fargo, is, how do you explain the journal entry from the Magistrate that clearly states that I submitted documents for consideration on my mortgage modification? 

My next questionpertains to XXXX XXXX 's signature on my mortgage papers. When Wells Fargo purchased my loan, the paper work was signed off by XXXX XXXX, the XXXX of XXXX XXXX XXXX , XXXX . I 'm not surethat signature is authentic. After reading about Wells Fargo 's ex-employee XXXX XXXX XXXX, while in a New York Bankruptcy court, openly admit to signing XXXX documents for Wells Fargo, It further solidified my thoughts aboutXXXX signature on my mortgage documents.After seeing what I believe is an authentic signature of XXXX XXXX, Ithink the signature on my mortgage documents is a fake. I believe I am in possession of XXXX authentic signature and it looks nothing like the signature on my paper work. I am not going to submit a copy of the court document since I do n't have XXXX permission but I will submit a document to show how I came into possession of XXXX signature.I also read your manual on creating missingdocuments and frankly, I 'm appalled.Can you verify that XXXX XXXX 's signature is authentic? Can you show proof like another document withhis signature on it? I 'm sure my mortgage was n't the only mortgage purchased from XXXX 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 explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The city of XXXX erroneously issued a parking ticket to me in XX/XX/2015. After a couple of phone calls and a letter, the municipal court vacated the ticket ( the police officer had a typo when they put in the license plate number ). 

The court had sent me to collections with Transworld ( TSI ) ; I spoke with their representatives twice in XX/XX/2015. On the second phone call, they assured me that they had record of the court 's update and that the issue was resolved. I asked them to mail me paper indicating this, they assured me that they would no longer mail notices and that that was sufficient. However, they recently started calling me again and the collection is still on XXXX of my XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (LA).
Issue: Problems when you are unable to pay

Complaint: The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX   XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. 

I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (CA).
Issue: Closing on a mortgage

Complaint: I refinanced my mortgage and paid off the PNC Equity line in full 3 months ago. I wanted to make sure it was closed out so I logged on and realized I actually had a credit in the amount of {$850.00}. PNC did not disclose this & when I brought it to their attention a month later, they promised my refund check would be on its way. I think that is poor business practice that I had to notify them about the money they owe me but I have now called 5 times, had the exact same conversation with PNC. We go over the address, etc. PNC keeps promising I will receive a check within 5 business days. I do n't know what else to do. If I owed them the money, I would have to pay interest, etc. Loan number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with JPMORGAN CHASE & CO. ().
Issue: Closing/Cancelling account

Complaint: I am writing to dispute the following information in my credit history regarding my Visa Chase XXXX MileagePluse Select number XXXX XXXX XXXX XXXX. I have noted these items and I disputed this matter more than once with Chase directly with no response or further communications. 
I have been a loyal customer of Chase Visa for the last 17+ years. My wife and I used only this credit card and utilized the strong benefits. After years of on-time payment, a payment was missed during my work transfer to XXXX, XXXX. 
On XXXX XXXX, 2013 my family and I moved from California to XXXX, XXXX. Before leaving the United States, we activated the mail forwarding services through the US post office. We paid all our bills and made sure all balances were XXXX for credit cards, utilities, telecom, XXXX and Internet services. I retained my US cell phone number XXXX XXXX XXXX, and have it on file at any utility, bank, credit card providers, etc. I made phone contact with my credit card companies to flag the impending change and possible usage of the cards abroad. The representative at Chase, in particular, assured me that will be fine, and I will be notified via mail and email if there is an outstanding balance. 
As is evident from my credit report, I was able to clear all my bills on time, except for Chase, because I was not alerted through direct communication via email, phone call or text message from Chase that there was a payment due. I firmly maintain that this does n't justify reporting me to the credit bureau and closing the account without any communications. 
Attached copy of the report I received from the credit bureaus recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided

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 07-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a fraudulent {$250.00} charge applied to my account on XX/XX/XXXX. The name on the transaction was XXXX. I disputed the charge with Capital One and they agreed to investigate. As of today I have not received any update on the dispute and it has been over 6 months. When I call or email Capital One about when I can expect a {$250.00} credit for the fraudulent charge I get no answers. I wanted to close this account XX/XX/XXXX but Capital One said that since a charge is in dispute I would not be able to close the account. Consequently, I had to pay the {$39.00} annual fee and do not even want this credit card anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: XXXX XXXX reported on my trans union XXXX and XXXX credit reports, XXXX also sold the account to XXXX XXXX XXXX reports and called them selves a credit collector/Attorney when they were not. Than XXXX Filed Suit in XXXX Washington to further Harass and embarrass me. This is a clear violation of the FDCPA section XXXX regarding deceptive practices by a collector. 

XXXX XXXX reported to the credit unions XXXX when the balance was only XXXX, XXXX dollars more the original debt another violation of the FDCPA XXXX XXXX has created deceptive transactions design to harass and embarrass and humiliate me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation