milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX years old and have never had any credit established in my name until just 9 months ago when I got my XXXX XXXXs account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; XXXX XXXX response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and Experian 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/XXXX, I filled out a Smart Option Student Loan application with XXXX XXXX to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to e-sign your application. '' ******onXX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXX XXXX  XXXX XXXX Thanks for choosing XXXX XXXX XXXX and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from XXXX XXXX removed from my credit report, please.

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 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the XXXX program and they miscalculated the income. For this modification, Bank of America calculated the household income to be {$6900.00}. Based on that income, they came up with monthly mortgage payment under the XXXX program to be {$2100.00}. {$2100.00} was the payment that we could not afford and fell behind on. As you can see, did used the payment by {$12.00} and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. 

Our household income consist of {$400.00} of my payroll income and for the {$4500.00} contribution from my son. Based on that, the household income is {$4900.00}. Please help me correct this error and help me get Bank of America to rearview us for the modification. 
I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of XXXX and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.

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 05-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never opened a XXXX wireless account or did I give my authorization for any account

Company response to consumer: Closed
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Check # XXXX for {$180.00} payable to XXXX XXXX XXXX 1. XX/XX/XXXX Check presented to my checking USAA XXXX. Account NSF, check returned and fee assessed for {$29.00}. 
2. XX/XX/XXXX Check presented to USAA and again NSF, returned and assessed 4 x {$29.00}. Fee for  XXXX returned check and 3 for items returned due to the overdrafts on other returned items due to the overdraft. 
3. XX/XX/XXXX Check presented third time. I have Direct Deposit and because there were funds now available the check was paid. The check should have been returned, XXXX processing information on front and back of check 3 times. 

I am disputing the payment by USAA and presentment by the merchant bank, XXXX, for allowing a check processed and returned two previous times. The outdated practice of allowing auto representment a second time has been considered in this case. However, the check would have been returned to XXXX XXXX after the second representment. At that time, this check would not allowed to be presented as an original deposit and especially an NSF returned two times.

These two banks are in violation of the banking rules.

I requested USAA return this check AGAIN and they have declined.

I want the {$180.00} refunded back to my account, as well as any other fees assessed due to this violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: WE have for over ( 4 ) four yrs been trying to obtain a Mortgage Modification from Wells Fargo Bank. ( Please see attach History ). 
Thousands of Documents have been sent to wells fargo Bank. 
Two direct intake meetings with wells fargo Representatives. Received all requested Doc. 
Hundreds of phone calls, Fax, Mailing It was not until XXXX XXXX XXXX got involved that the documents were expedited to the underwriter 's. 
The underwriter 's through to Wells Fargo preservation specialists requesting many adding documents pertaining to my wife 's income verification which we supplied to them We just received XXXX letters from Wells Fargo that we were being denied for home modification loan because of my wife and I combined gross income??? ( See Attach ) We contacted our preservation specialists at Wells Fargo, who knew nothing about Us being denied a modification. 
We were revise to requests an appeal based on the incorrect amounts. After four years of documentation sent to Wells Fargo, I ca n't comprehend how they would have the wrong totals send in a request to appeal with supporting document. We completed the form and fax back to Wells Fargo. Then Mailed ( XXXX XXXX, XXXX ) The following documents listed below to verify correct total gross income amount. 
1 ) Complete Income Verification : A ) Spreadsheet total income past 26 months bank statement B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) C ) All XXXX sales 24 months D ) XXXX statements 24 months E ) P & L statements XXXX, XX/XX/XXXX, & XX/XX/XXXX F ) XXXX 's Income taxes XXXX all scheduled XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX G ) My Wife XXXX Past 18 months of Pay Stubs H ) XXXX income taxes XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I ) Confirmation letter contribute for my wife XXXX J ) Household expenses Paid bill for past 12 months K ) history Journal past four years documents sent to Wells Fargo. 

We have been inform from the Lawyer that he was told over the phone that are Appeal now has been denied, I 'm just do n't understand why? if the totals were are wrong, Why would n't you want it corrected? 
I still feel that Wells Fargo bank, created this foreclosure by after 11 years changing our monthly mortgage, By doubling monthly mortgage payment, but without notice determining that we need in escrow account : started???

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 01/15/2018 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Trouble during payment process

Complaint: my house was flooded XX/XX/XXXX by Harvey. asked bank to set aside payments for three months so I could rebuild and repair. they did, now they expect me to bring account currant. that 's not what I asked for, wanted payments put to end of note, they are giving me a hard time, want all types of re-documentation that is completely not needed. they keep saying something about the va response they are needing, but will not explain what that is in any understandable form of English. I '' ve had other banks do payment moving with out any of the issues this bank is trying to pull. All my payments on this loan since the start ( XX/XX/XXXX ) have been on time. XX/XX/XXXX and XX/XX/XXXX payments have been made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where put aside. FEMA paid  {$16000.00} toward repairs, and i : ve spent over {$22000.00} so far and still no done completely. there is no way to pay {$3400.00} they are trying to collect to bring currant. the bank is Dovenmuehle phone # XXXX XXXX XXXX loss mitigation dept. they have my FEMA claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with Southern Service Systems, Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company mailed a letter about a collection for XXXX, dated XXXX/XXXX/XXXX, for {$100.00}. 
It states " ... if this account is not paid within 30 days from the date of this letter our client has instructed us to review the account and make a recommendation as to further collection action that needs to be taken. '' It does not state there are 30 days to dispute the validity. 
I have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to comply within the laws.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from Equifax, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with Equifax as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: Citimortgage sent a notice that they were reporting me for a delinquent payment to the credit reporting companies, although no payment was delinquent at the time of receiving the notice. Citimortgage is in the process of changing the loan servicer and sent me the notice as well as a request for two mortgage payments.
This is just harassment to threaten customers to obtain early mortgage payment before the servicer change. Citimortgage will hold all advance payments for the new servicer, but will collect interest on all such payments before turning them over.
My name is XXXX XXXX and my account # with Citimortgage is 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 10-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Shopping for a loan or lease

Complaint: I submitted documentation from Santander agency verifying I had paid off an auto loan in 2012 trading in auto and paying balance of loan of loan more than {$9000.00} ; to date this is reported to XXXX as a {$17000.00} charge off significantly affecting my credit. Twice I have submitted documents supporting the auto loan paid in full and it was to be corrected by XXXX XXXX ; this was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with Clarity Services (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX credit inquiries on our credit report dated the same date. XXXX of the inquiries came from short term loan cash provider. The XXXX came from some sort of credit bureau presumably used by the XXXX entity. I have spoken with the short term loan cash provider describing my circumstances. They indicated to me that they have no information on me on file which suggested to them that someone attempted to get a loan using our name and possibly our social security number but were rejected before the official application process. Both inquiries show up on our credit report but they were not related to activity generated by me or by my wife. So, we are nervous that at least one person may have some form of our identity but we are not sure which information or how much information they may have. The date of the inquiries was XXXX XXXX, 2016 and there has not been any further unknown activity since that date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over property maintenance. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us and have concerns that the appearance of this property has detracted from the value of their property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is wrong information in my report : > My present address :  XXXX   XXXX   XXXX   XXXX , MI.  XXXX  : please update   XXXX   XXXX   XXXX    XXXX  #  XXXX  : I have paid off this account, please update balance

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 01/24/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX and again on XX/XX/XXXX an unknown individual used my information to cause Chase Bank to reverse several transactions causing payments not to be completed through several of my normal monthly payments. In turn, the excess funds were then withdrawn from my account using a debit card with my PIN number. I did not authorize nor did I perform any of these transactions. I reported to Chase Bank immediately when my payments were canceled and I was notified by my monthly account holder. All attempts to rectify the situation were denied claiming the use of the debit card was an individualized occurrence and would not be reimbursed. Chase allowed someone to access my account without my knowledge and refuses to accept that they are responsible for the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Pro Collect. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pro Collect in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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