milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: As you can tell from the picture i have enclosed this is an old loan. I bought the vehicle in XX/XX/XXXX, and the loan has continually been on there ever since. The vehicle is long gone. every time i call to dispute this from experian they change the date on it. I have asked them to remove it in XX/XX/XXXX but now it say XX/XX/XXXX? what gives this company the right to keep the original loan from XX/XX/XXXX -XXXX on my report for that long? that is not in compliance with the FCRA is it? 
Date Opened : XX/XX/XXXX & lt ; -- -? 
Date of Status : XX/XX/XXXX & lt ; -- -? 
Reported Since : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Type : Auto Loan Terms : 60 Months thank you for your help in removing this from experian, none of the other credit reporting sites have this on there and have n't XXXX XXXX XXXX XXXXXXXXXXXX

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 12-04-2017 about Debt collection (I do not know) with ABR Recovery Services LLC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX my credit score dropped 50 points due to an added debt collection item by ABR Recovery in  the amount of {$1500.00}. My credit report stated I opened the accountXX/XX/XXXX I am not aware of this debt. OnXX/XX/XXXXI sent a certified Letter of Verification of the debt to ABR Recovery LLC which was delivered and accepted on XX/XX/XXXX. I have not received any of the requested information or proof that this debt belongs to me. It is now passed 30 days since I requested the information from ABR Recovery LLC. I am requesting the company to remove the debt collection item from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with ASTORIA BANK (NY).
Issue: Deposits and withdrawals

Complaint: In XX/XX/XXXX, I received a bill from my dentist for {$270.00}. I have him set up on the AstoriaBank bill pay service with the correct payee and correct address. AstoriaBank apparently works through XXXX and I believe it is XXXX bank in XXXX, WI to transmit payments. I paid the dentist through the Bill pay link and later was informed that the payment " cleared '' on or about XX/XX/2016. Despite this my dentist continued to seek payment from me and initially when I looked to secure proof of payment, I received only the front portion XXXX my bank does not provide both sides of paper checks written out through its bill pay service ) of the negotiated check. Eventually, in XX/XX/2016, I received both sides of the check which is annexed. Any review of the check will reveal that wile it is made out to a dentist it was cashed by an auto parts place. It was never properly payable to a car parts place. Astoria has known of this since at least XX/XX/2016, and refuses to restore the money improperly debited from my account until they secure the money from some place else. While they call every so often to provide a status, the simple fact is that they or their agent wrongfully paid out on a check despite the endorsement very clearly reflecting that it was not properly payable to the entity to which they furnished my funds. They have no right to insist that they recover their money before restoring the money wrongfully taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm stating this because I find it absurd that the limitation for debt forgiveness is under {$750000.00}. I 'm a widow whose late husband refinanced against my wishes and now I 'm responsible for debt over {$900000.00}. In negotiations with OneWest/IndyMac for a mortage restructuring, they received a desktop evaluation that my house is worth less than {$500000.00}. For that reason, I refused the terms of their modification contract. In said contract, they asked me to sign the statement " If, at any time, I can not afford to repay the entire amount of the loan, I agree OneWest/IndyMac can put a lien on any and all of my other assets. '' I refused to agree to that, and also can not accept a modification that 's equivalent to a sub-prime where the interest rate starts out low but increases every few years. I am now facing foreclosure so I would like to see if I can get an extension to the foreclosure date, which is now less than XXXX months, to give me time to find a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Beginning in XXXX and for about two years thereafter, Bank of America repeatedly canceled our XXXX card and issuing me and my wife new ones. The claim each time was that BoA had been hacked and they were doing this in order to protect us. I estimate this happened 5 or 6 times. 

But it just came to light that XXXX XXXX was doing something similar in order to make it look like they were selling more services, so I am suspect of BoA 's true intentions. 

To be clear, this did n't cost me anything and I do n't believe it affected my credit rating. It was just a hassle, and it actually proved to be counterproductive to BoA as we began using a different card for all purchases, minimizing our usage of anything BoA-related.

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 08-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Making/receiving payments, sending money

Complaint: on XX/XX/2016 I went online and purchased an auto part for a car repair. I called the online company later that day to cancel the order they told me that it would take 2 to 3 business days for the credit to hit my account. On XX/XX/2016 I checked my account online and I noticed the charge for the part as I scrolled down to XX/XX/2016 I noticed the credit back into my account so I contacted Chase and asked the representative why is the credit to my account being offset by the charge? He said this is the way chase post a credit into the account. I said it 's basic math that a negative and positive gives you XXXX so where is the credit back into my account. He of course says it was done on the day of the charge but if on that day my account had XXXX dollars and the part cost XXXX then my balance would be XXXX so if I cancel the part then I should see XXXX credit back to my account. But that 's not what happened Chase is inflating my balance with the credit with the retailer cancelling the charge by offsetting the charge so it 's a wash like nothing happened but there is no credit back to me. Chase is back posting which is not correct the posting ledger should work in real time not posting credits and debits based on their best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Other transaction problem

Complaint: A western union international transfer for {$110.00}. MTCN XXXX was processed yesterday XX/XX/2018 successfully. However, their was an unauthorized cancellation of that transfer and the money was not available as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ECMC Group, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

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 10/31/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I got a loan from santander bank and between them and the dealer where the car was purchased a better way is the name of the dealer ship. They gave me a loan I can not afford I bring home XXXX a week and my car payment is XXXX a month. I live in XXXX and the car dealership is in XXXX The dealership had us there for several hours had us put insurance on the car before they said what the loan amount would be even though I asked what the payment would be the salesman said I do not know you have to ask the finance department. I know that santander has already had to pay a class action lawsuit against them for the same thing.

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 WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company is Wells Fargo Dealer Services n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that Wells Fargo is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to wells Fargo on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that Wells Fargo never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want Wells Fargo to update bureau 's all 3 on me n wife n show XXXX  balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX out of 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 non-monetary relief
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Did not receive any correspondence of my right to dispute this debt prior to it being place on my credit report. Continued attempts to collect debt not owed.

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 04/23/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX/XXXX/15 -- Due to recent concerns about possible identity theft, I filled out and postal mailed an " Annual Credit Report Request Form '' to Annual Credit Report Request Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX. Due to the language on the form, I included photo copies of my valid XXXX Driver 's License and Social Security Card. 
XXXX/XXXX/15 -- To date still have not received a report from Equifax. My understanding of the " The Fair and Accurate Credit Transactions ( FACT ) Act '' states I ought to be entitled to a copy of my annual credit report from Equifax. The other XXXX companies, XXXX and XXXX were professional in their respective responses. 
Several phone calls into Equifax have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: While checking my credit score I found an open account for collections from Stellar Recovery which has never notified me or communicated anything ever to me about anything. If I had not checked my credit score I never would have even found out about this negative factor impacting me. I do not know what this is for or who it is from. This type of conduct must be illegal. I searched for information on the company and any type of financial communication with them requires and account number, which of course, I do n't have because I 've never even heard of Stellar Recovery until now. I submitted a complaint and communicated my concern about this collections account being opened against me with no communication to me at all, ever. Along with the complaint, I submitted my contact information. I have never heard back from them, it has been over a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Trouble during payment process

Complaint: Hello - XX/XX/XXXX - At the advice of my tax advisor I prepaid my XXXX real estate taxes due to XXXX XXXX for my property located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX / PARCEL ID XXXX. TRACKING # XXXX XX/XX/XXXX - XXXX XXXX deducted {$2800.00} out of my XXXX XXXX account for the payment of the XXXX real estate taxes. 

XX/XX/XXXX - I spoke with Ditech Financial ( XXXX ) customer service to inform them that the XXXX property taxes were paid in full and inquired as to the procedure for requesting an escrow analysis and subsequent refund as my escrow account is significantly over funded. Much more then one-sixth ( 1/6 ) of  the estimated total annual disbursements from the escrow account. Customer rep at Ditech provided a fax number of XXXX to send a request for analysis. 

XX/XX/XXXX - Drafted and faxed letter to Ditech along with my supporting documentation. Fax confirmation came thru and is attached in the PDF. 

XX/XX/XXXX - Receive letter from Ditech via US Postal Service dated XX/XX/XXXX denying request for escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE Financial Services , Inc. is trying to collect on a medical bill that I do not owe. They are not just reporting it to the CRA once, but twice. I have contacted this company by phone and in writing. On the phone, which I have a recorded copy of, a gentleman discovered that this is a single medical bill that is being reported twice. He said he will remove XXXX of them and that I still owe the amount. 

Since our conversation over a month ago, the duplicate item is still on my credit reports and is causing me damages. I have since sent them a letter pointing out that they have n't fixed an admitted known error of theirs on my credit report with no resolve. 

As far as the original debt, I have sent the original creditor a letter and will file a lawsuit with all involved once thirty days have passed.

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 11-09-2017 about Debt collection (I do not know) with Nationwide Recovery Systems, Ltd (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX, XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with CIT BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The enclosed XXXX for the Attorney of XXXX signers did not become legally effective until XX/XX/2010. XXXX and XXXX names are listed on the XXXX. This new information further confirms the enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the XXXX of the City of XXXX to claim legal ownership is invalid. XXXX C.F.R. XXXX subsections ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I opened a business merchant account about two months ago with bank of America in XXXX, WA. on XXXX XXXX. at zip code XXXX. I felt I was misrepresented about all the fees included in the merchant account service. I was informed that I would receive certain benefits with the merchant account like free cashier checks and money orders. On XX/XX/XXXX, I requested a money order and was informed I would have to pay for it. I informed the teller that money orders and cashier checks were free as a part of my merchant account she went to get the manager and the manager informed me no that was not the case and all the other situations were " customer curtsy ''. I asked to speak to one of the sales person there and he looked it up and said yes, you are entitled to that service with your merchant account. The money order was never granted and the manager never apologized once the sales person corrected her. This location of Bank of America is mostly XXXX run and I have been a business owner in this community since XX/XX/XXXX, as an XXXX. I have witness only XXXX XXXX employee there since XX/XX/XXXX. The manager who addressed me on XX/XX/XXXX was XXXX. She was unapologetic and her affect was mean and nasty as though she was looking down at me. The person who set up my merchant account was also XXXX and did not include additional fees ( I was told the machine would cost {$32.00} per month to rent but not informed the additional fees that came with the rental which was another {$4.00} then I was never told about the insurance that I would need which came to {$4.00} ). A lot of fees for a very small business like mine. I was also never informed that these fees would be separate from my monthly fee. I feel that XXXX are looked down on and a pattern of racial discrimination is taking place at this location with XXXX. Only XXXX XXXX employee in 11/12 years at this location, I am probably their only XXXX with a merchant account at this location, my account was never set up with the full benefits until XX/XX/XXXX, that others got. Other banks in the community have XXXX employees working for them. The point of banks besides holding our funds is suppose to be " customer service ''. Well, no apology and no money order for this black man at that location that day. Service denied!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax had my credit scores up to XXXX and above as of XX/XX/XXXX and that score was consistent with my scores at XXXX. XX/XX/XXXX, my score went down by almost 200 with Equifax while my scores with XXXX still at XXXX. My credit profile if nothing else improved in XX/XX/XXXX and nothing derogatory happened. All this while Equifax continue to publish wrong opening dates of accounts in my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I purchased cruise tickets using my Chase card because of the built in travel insurance. After we boarded the ship, we discovered that the itinerary had been changed. Instead of travelling to the XXXX, the ship was going to XXXX, to which I did not want to go. I called Chase and asked whether I could cancel the trip and get reimbursed for the cost of the cruise using the Chase travel insurance. The Chase representative said yes, so I left the ship. 
When I filed a travel insurance claim, it was denied. The reason it was denied was because the cruise line offered me " something of value '', so they do n't have to pay the claim. Only if the cruise was cancelled would the travel insurance pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently received a statement on a " time-barred '' debt with a " thank you '' note on a payment in the amount of {$88.00} dated XXXX XXXX, 2015 that I never authorized. As a matter of fact, I have never talked to anybody in this company. I believe that this payment is fraudulent in an attempt to restart the statute of limitation 's clock and possibly sue me for the amount they claim I owe. This company called Midland Credit Management is well known for their deceptive collection practices.

Company response to consumer: Closed with explanation