milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint against Experian. I have tried to resolve this issue by reaching out directly to Experian. I am a victim of Identity theft and there are several accounts listed on my report that are fraud. I have contacted the bureau on multiple occasions to resolve this issue and they are complying. I have contacted them by phone, online, and by mail to resolve this issue. The accounts listed below must be deleted upon receipt of this complaint. I will contact the BBB and file a class action lawsuit against Experian if this is n't resolved immediately.

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 01-08-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mother died in XXXX Bank of America was notified that the property was in probate and the final payment was requested by the probate lawyer. I was named as administrator of the estate and when no response was received I contacted the bank and was told I had to submit a death certificate and the coast approve document indicating was administrator and once received I 'd get access to the pay off information. The bank froze my Mother 's checking account without noticing me so that the auto payments for the mortgage and the house insurance was not being paid. After not hearing from the bank I spent days of being ran around before finally getting the pay off amount on XX/XX/XXXX. I sent a certified check the next day. XX/XX/XXXX I called to verify the check had been received and was told the check was on hold for a insurance payment. On XX/XX/XXXX the bank had issued an insurance on the property for the period time that they had froze the auto payment. They were also processing foreclosure on a probate property for non payment due to their having frozen the auto payment. They sent mere an email staying them works not process the pay off until I paid the additional amount for the insurance. This is what I consider as extortion and fraud since the insurance was issued in the name of my deceased parents for a period that proceeded the pay off date and was a result of their actions.

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 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am submitting this complaint about transunion. I have XXXX accounts on my credit report ( XXXX and XXXX ). XXXX accounts are listed on my report as negative with a deragtory remark ... I contacted the bank who holds these XXXX accounts and received additional supporting information that the accounts should be listed as accounts in good standing and the deragtory remark removed. I upload these letters to transunion but it was rejected. I sent in via mail now the copies of the letters. I also tried to re-dispute this information so when they receive a response from the XXXX creditors they will receive the letter and fix my credit report. Transunion will not let me re-dispute this information. I also have an account on my credit report ( XXXX ) that is a fraudulant account. I spoke with XXXX in fraud investigation dept at XXXX and was told this account will be removed from all XXXX credit reports. I am still seeing reporting on my credit report. I am submitting this complaint because I have been spending countless hours and days trying to contact all XXXX credit reporting companies and I am getting nowhere. This is very fustrating because it is having a negative impact on my credit score.

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 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This complaint concerns a problem with  Captial One Venture Card  mileage reward program. In order to take advantage of approximately   XXXX   miles of a  Venture Card re ward, I got onto the online booking program that  Capital One  uses to grant rewards. In looking for a roundtrip flight to   XXXX   XXXX  , I was quoted a trip for approximately {$1900.00} dollars for the flight depending on surrendering my  XXXX  miles. In the process of coordinating the flight with my wife, I learned that the same flight by the same airline was being offered at {$1900.00} directly on their site  ( the airline wa s  XXXX   ). This is  the same price that  Capital One  's online site was offering based on surrendering my  XXXX  miles. The  XXXX  miles is supposed to be equivalent to approximately {$820.00} dollars. Thus in essence , Capital One w as providing no discount at all on its online site and was taking {$820.00} from me without batting an eye. This seems to be outright fraud to me, since I learned that one can make one 's own deal with an airline and then have the mileage value ( here {$820.00 } ) tak en from the credit card bill if  one uses the Venture Card to pay for the transaction. Thus, I ended up paying only {$1100.00} for the same flight. I called Capital One to find out if they knew about this discrepancy on their web site they were using. Discussions with Capital One 's legal department made it clear to me they were not interested in correcting the problem.They told me they had no control over the process, even though I told them they could issue a disclaimer on their website that the user would probably not get the best deal here and would probably loose their mileage benefit completely. Capital One 's legal department just continues to respond that they have no control over the process which is nothing more than a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXNavy FCU- XX/XX/XXXXNavy FCU- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I logged into my mobile banking app and noticed my account had a negative balance. When my work day ended at XXXX I proceeded to deposit {$50.00} into my account which would have placed a positive balance of approx. {$32.00} in my account. upon the completion of my deposit I noticed my account was still negative approx. {$1.00}. I then logged into my account and saw a overdraft fee had been applied. I proceeded to contact customer service. I had previously been informed by customer service that if a negative balance was corrected within that business day no overdraft fee would be applied. Upon talking to customer service I was told that since my account went negative on XX/XX/XXXX that I should have corrected the balance that day. I was under the understanding that XX/XX/XXXX is considered a federal holiday and therefore not a business day. The customer service representative then informed me that US Bank considers any day a business day regardless if it is a weekend or holiday. The CSR told me that since it was now XX/XX/XXXX they had applied an overdraft fee of {$36.00}. When I question how that was possible, due to the account going negative on a federal holiday and not a business day I was pretty much told oh well that us how we do it. This is not the first time that I have had problems with this bank and their ridiculous overuse and abuse of overdraft fees. But it is 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 explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The organization XXXX XXXX XXXX XXXX XXXX ( XXXX ) claims I owe them {$250.00}. I have never had any previous credit or debt with XXXX. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency Transworld Systems. As of XXXX XXXX, 2017 a letter states that I owed {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (LA).
Issue: Trouble during payment process

Complaint: Our home flooded in XX/XX/XXXX. We signed over the insurance proceeds of {$130000.00} to our mortgage co. because the check was payable to them and us. We have received about 1/3 of the funds ( XXXX ). The mortgage co. sent an inspector this week who determined that our home is now 77 % complete. XXXX at DMI ( Dovenmuehle Mtg. ) informed us today that we can  receive reimbursement for any receipts we have for our renovation but the remainder of the money will be held by the mortgage company until we pay our mortgage in full. She said this is because we are acting as our own contractor. They were aware that we were acting as our own contractor and never told us that before. XXXX at DMI told me onXX/XX/XXXX that we could get the second 1/3 of the funds after we completed 50 % of the work, and that we could get the final 1/3 of the funds once we completed all of the flood renovations. Originally our mortgage was with XXXX XXXX in XXXX XXXX, but they told us DMI services it, so that is who we have been dealing with. I will send them all the receipts that I have. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with Crown Asset Management, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I am an identity theft victim. I made my FTC report before Crown Asset Management took legal action against me. I never received the letter that I could dispute the debt. They keep claiming it was sent to my address, yes but I never got a hold of them. The XXXX that is in charge of my account was being condescending and was putting words in my mouth, basically to say what he wanted to be recorded on the phone line. I too recorded him just like they had me on a recorded line. The lady I spoke to before was really rude, told me that just because I am an identity theft victim does not mean that I am not responsible for the money ; accusing me of having given someone authorization to use my card. I requested a file disclosure from the debt collection agency and then they want to send me all these affidavits and court papers to prove that I am victim of identity theft. I have proof that accounts were opened under my identity and did not belong to me. I do not feel like returning those documents to them. They have caused me so much stress, and anxiety. I want someone of the higher ranks to tell this company to not belittle individuals, nor force or incriminate us as delinquents.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone tried getting credit information and i was unaware of that

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 05/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Lender failed to eliminate PMI after mortgage LTV fell below 80 % XX/XX/XXXX. I spoke with lender on XX/XX/XXXX and they indicated the PMI will be removed going forward. I was provided the reference number XXXX at that time. I was continued to be charged PMI until the loan was paid off on XX/XX/XXXX. Attached is the value page of the appraisal this lender performed and the statement for the month which LTV fell below 20 %, using the lender 's own appraisal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 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: Account information incorrect

Complaint: In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and di n't properly keep my personal information protected. This breach puts me and millions of others at risk ... this is further exacerbated by the fact that Equifax handled this breach terribly. They did nothing to notify the public over the past several weeks, and I instead learned about the issue via social media. And they have now put the onus on us to figure out next steps and make sure we are protected. 

This is especially ridiculous considering I have never personally chosen to do business with Equifax - any business relationship I have with them is indirect. They are used by companies that I use ... so it 's rather disconcerting that a company I have never used in any form personally could affect me ( and countless others ) in such a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continued calls despite request to stop. The company name is : Sunrise Credit Services

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 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BARCLAYS BANK DELAWARE (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am beside myself. I have been working on repairing my credit for several years. I had XXXX Barclays credit card left over that was sold to XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made XXXX payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed 4 payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over 45 minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from Barclays. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every 2 weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My account has been on autopay, withdrawing {$58.00} every month on the XXXX. On XXXX/XXXX/16 my bank account had a withdrawal of {$790.00}. I did not receive any notification that the amount would be increased. My loan servicer is Navient. 

Not only was this a major surprise, as I am on an income contingent repayment plan, but this happened 2 days before XXXX ... leaving me no way of contacting my bank to dispute the charge or Navient because they are closed for the holiday until the XXXX. Luckily I had the money in my account, but it left me with {$1.00} to survive on for two weeks until my next paycheck comes in.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked Equifax to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I sent and been sending Debt Validation and QWR among others and have not received proof of validation. Only stories that can not be proven. 
Also I have sent a Notice of Rescission and they did not respond or file a lawsuit within the 20 days. The note and deed of trust are Void. As per the Unanimous Supreme Court decision in the XXXX XXXX 2015 decision. 
The latest notice of verification of alleged debt dated XXXX XXXX, 2015 and XXXX XXXX, 2015 were totally ignored by The XXXX ( the Trustee ). I did get a letter from SPS, Inc which in effect was a none response. Did not send the following 1. Copy of the original alleged note accompanies by an affidavit from alleged lender 2. Did not identify to what the debt pertains. 
3. Did not detail how the alleged debt was calculated 4. Provide copies of any papers that show that I/we agreed to pay alleged debt. 
5. Identify the original creditor. The Note and Deed of Trust is now Void due to rescission. 
6. Did not Provide the agreement between the creditor and both XXXX and SPS , Inc. which authorizes XXXX and SPS to collect funds.d 7. Did not provide evidence that they are licensed to collect debts in the State of California. 
8. Did not providtheir evidence of license numbers and then alleged lender 's registered agent. 
9. Did not provide evidence that the Statute of Limitations has not expired on this accounted. 
I am not in default. 
Please see attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2017, I sent a certified letter to Portfolio Recovery Associates to verify a debt and the debt was not verified. I requested specific requests for original documentation and none was provided.

Company response to consumer: Closed with explanation