milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On Experian, my XXXX accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.

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 10-08-2017 about Debt collection (Medical debt) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent my very first debt validation letter on XX/XX/XXXX via certified mail asking Kross, Lieberman and Stone to send me valid documentation proving that I owe them {$90.00}. I am aware that I used the Dental Services of XXXX XXXX back in XX/XX/XXXX. However, the charges were submitted and paid by my XXXX XXXX XXXX. I am unable to ascertain why I owe {$90.00}. In addition, the generic print-out that they sent actually shows that my dental insurance did pay. Are they balance billing me, if so, this is illegal. 

In response to their correspondence dated XX/XX/XXXX, I sent a second request for validation in XX/XX/XXXX via certified mail asking them to explain and breakdown the requested payment. The company simply sends me the same generic print out and in theIraq last response they included a copy of my drivers licence and a copy of my dental insurance information form. None of this helps me to understand their request for XXXX In addition, this bogus request has been removed from my XXXX and my XXXX credit files because the information they submitted for validation was insufficient. However, they are still reporting get erroneous information to 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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this 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 09/29/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my house for {$250000.00} in XX/XX/XXXX. I refinance the mortgage without taking any money out on XX/XX/XXXX. The mortgage is now {$190000.00}, which is less than the XXXX % required to remove the PMI. I contacted Chase, my mortgage Servicer, a couple years ago when it was around the XXXX %, and they refused to remove the PMI. My payments are always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Trouble during payment process

Complaint: I had a mortgage service transfer from XXXX XXXX on XXXX I sent the quoted pay-off of {$8900.00} with a personal check. 
the company representative claims that it is not possible. 
The original loan terms does not require this. 
The company claims that the terms of the service transfer has not changed. 
This seems to be a untrue claim as a identical loan was paid off to XXXX XXXX with a personal check this last XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX act number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Payday loan, title loan, or personal loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (FL).
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: During one of my deployments a XXXX XXXX loan was refinanced in my name. I was unaware of this debt until about XX/XX/2017. This account wasnt opened by me but to prevent loss of my clearance I caught the payments up and have been making them in effort to prevent my credit from taking any continued downspiraling. I contacted XXXX to request a goodwill effort to have the late payments removed from this account because I was unaware of the loan and was XXXX when it was opened / refinanced. I have never heard from anyone about this issue. I make the monthly payment on time and digilently did what was necessary to bring it current when I found out this account had been refinanced. XXXX XXXX XXXX is suppose to be a company looking out for servicemembers but instead it seems like a predatory lender. High interest rates and no flexibility to help servicemembers .Where are the benefits for servicemembers on XXXX or protection? I am not asking to discharge the loan only asking for XXXX to remove the negative payment history as i was on XXXX to XXXX when the loan opened and when the late payments occurred. I have made numerous attempts to get help with this by contacting the Customer Advocates, XXXX XXXX and XXXX XXXX only to hear nothing back. In the past I had a good relationship with XXXX and that is the only reason I took responsibility for this loan I did not open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: After my mortgage was sold to Bank of America from XXXX, my husbans lost his job in XXXX. We filed bankruptcy XXXX of XXXX and included this loan. It was discharged XXXX/XXXX/XXXX. In XXXX of XXXX, Bank of America sold my mortgage to XXXX as a loan modification. Knowing that our bankruptcy was finalized and discharged in XXXX. Now, 4 years later, we are unable to purchase a house because XXXX had our names on this property until XXXX XXXX, XXXX. How can a financial institute sell your mortgage after a discharge?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I was charged twice {$35.00} overdraft fee ... I believed I had opted out of this and do not want this service ... If the $ $ is not in the acct, the transaction should be rejected. 

Secondly, on the 1st overdraft, the bank held a {$1500.00} ach transfer from XXXX, which should have been in the acct. 

Third, the XXXX charge that created the next {$35.00} over draft should have been rejected. Not my issue the bank processed a payment they should have known better to process. This corrupt banking service is bleeding the American Consumer of Billions of dollars a year when they have the ability to rectify the accounting issues creating the timeliness of certain deposits/debits ... in reelationship to these " fees '' ... Legalized extortion is why the CFPB was created!!

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 11/27/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XXXX XXXX 2017, I logged into my bank account to see about {$500.00} missing for transactions I did not make. I called Citizen 's to find out that someone had stolen my debit card information to purchase theme park tickets, movie tickets and more. They finally agreed to refund my money for these transactions, which took about a week, remind you, i did n't make these transactions, so why it took a week to get my own moeny back amazes me. Fast forward this SATURDAY in XX/XX/XXXX, I get a letter stating that citizen 's bank has decided one of the transactions in XX/XX/XXXX was VALID, and that they will deduct {$200.00} my account to pay back the vendor which is a theme park in Texas called XXXX XXXX XXXX. I live in CT. I 've never been to Texas. the documentation shows my name & agree, but an incorrect email address and the THIEVES names on all of the tickets! NOT MY NAME! I call up Citizen 's to be told, " well we sent you a letter and you never responded, so we can not help you. ". I kindly told them I did not receive ANY letter until this one, and this is NOT my transaction nor will pay for someone who committed an illegal act. XXXX XXXX from the eletronic banking department has told me 3 times now, including raising his voice at me, that THEY WILL NOT HELP MEm AND THIS TRANSACTION IS VALID! So again, let 's recap. I live in Ct, I 've never been to Texas nor do i know anyone in Texas. I 'm also XXXX. They 're telling me that this transaction is compltely valid and that i have to pay for these criminals to go to a theme park now. I asked how they protected me, as their client, in this situation.. " well the theme park has rights too. '' Fabulous, thank you so much Citizen 's Bank for once again screaming over your customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX    XXXX    XXXX  shows me as 90 days late on a payments from  2015 . All   XXXX   credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

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 04/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX for the amount of {$420000.00}. The Note and Deed of Trust, naming XXXX XXXX XXXX XXXX, as the Lender, and XXXX as the grantee, or beneficiary, of record acting solely as nominee for same. Sometime thereafter, Nationstar Mortgage , LLC began to service my loan. After Nationstar became the servicer of my loan, the account was not being properly serviced because payments I had made were not being properly credited to my mortgage loan account and unauthorized fees were being charged to me. Accordingly, on numerous occasions I tried, but without any success, to get an explanation from Nationstar concerning the inaccurate debits and unauthorized fees charged to my loan account. To this end, on XXXX XXXX, XXXX, I forwarded to Nationstar, a Qualified Written Requests ( QWRs ), requesting that Nationstar provide, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of their response to the letter. ) Again, I have reason to believe that my loan account had been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account and that I would further along in the reduction of mu debt had I received all credits for the money I had paid on my mortgage loan account. Nationstar did not respond to the QWR, took no responsive action and undertook no investigation into the issue raised by the QWR. As of this complaint, Nationstar has failed address my complaint that my loan account has not been improperly credited and that my loan account has been charged unauthorized fees. Neither has Nationstar provided me a verified accounting of my mortgage loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries. 

If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Home Mortgage shows a status discharge through bankruptcy chapter XXXX in the amount of {$54000.00} as of XX/XX/XXXX. I believe this is my current Mortgage that I am and have been paying on. Wells Fargo was not listed in my bankruptcy. Please advise. Thank you in advance for your consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: around the time of XXXX XXXX of 2017 i noticed that someone was writing fraudulent checks on my WELLSFARGO bank account and a check was being deposited that sent my account to negative XXXX dollars and when i noticed that my account was in the negative and i have n't done anything to cause my account to over draft i called to dispute the transaction they told me to take my claim number and they will get back to me they called 2 months after they called saying they denied my claim because the person that deposited has made deposits to my account prior to this transaction but i told them that was n't possible because i am in south Carolina and the deposit was made in new jersey. customer service really didnt try to help me defuse the problem just sent my account into a collection

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 09/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: Someone offered me XXXX dollars for an online good, and once I payed him the money via paypal, he said he wanted to wait for the money to transfer into his bank account, and he said it would take up to XXXX hours, and after I waited this time, he blocked me on XXXX. In the past I have tried to use PayPal themselves to solve the problem, but I never have gotten my money refunded, or a message from the other seller. I originally sent him the money on XXXX XXXX, XXXX and the last time he said anything to me was on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have recently been made privy to TransUnion 's widely know glitch that illegally caused information on people 's credit report to disappear and then reappear without notification. This affected me, and in fact it 's been more damning than I could ever imagine, as it put new information in the form of credit inquiries that I never authorized. After speaking with a supervisor on XX/XX/2016 and confirming that they in fact had a breach on XX/XX/XXXX, I was informed they would remove any and all unauthorized hard inquiries on my file from XX/XX/2016 moving forward. 
The ONLY hard inquiries I should have ( that I authorized on my own volition ) are : 1. XXXX XXXX XXXX XXXX XXXX, XX/XX/2016 2. XXXX, XX/XX/2016 3. XXXX XXXX, XX/XX/2016 Transunion needs to remove the remain onslaught of inquiries that appeared from nowhere. Furthermore, as this breach only affected Transunion, I do not want unwarranted freezes or fraud alerts as this was a Transunion error. No other CRA has had recent breaches, therefore contacting them is not necessary. 
My drivers license and social security card are attached for purpose of permissible file access only.

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 12/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Hello, I 'm a customer of Bank of America and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. 

They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. 

Now, let me make this clear. I was using my " person credit profile '' for " Business Credit '' ; therefore, BOA pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. 

I have attached the letter from Bank of America dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. 
Here is the CFPB # XXXX is the first complaint.

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 10/21/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date usedif thats the case this is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: Chase Bank closed out my savings account without even notifying me. I am now in fear that they will do the same for my checking account. I went to a branch to ask why was my savings account closed, and I was told that it was probably because I was n't using it, which is not true. I have also observed that regardless of the fact that when I opened the account, I used one of their coupons, not only did I ever get the amount on the coupon, but I was told that I do not qualify for it AFTER I signed up and changed my deposits to go to JP Morgan Chase Bank. I do n't know if they use these as bait for people to join the bank. 

I was also informed, the day that I opened the account, that since I am a military veteran, that I would qualify for benefits, such as not having to pay the fee for Cashiers Checks..they have so far honored that. However, I never get reimbursed for any of my non-chase ATM fees, which was something that I am pretty sure the banker told me was a perk for military veterans.

Company response to consumer: Closed with monetary relief