milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted XXXX XXXX and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that XXXX XXXX is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, XXXX XXXX comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with XXXX XXXX XXXX XXXX to lower his payments and not lose the home. I was not involved in that in any way. XXXX XXXX told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation XXXX XXXX sent to me regarding the loan modification in his name 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 01-03-2017 about Debt collection (I do not know) with CNG FINANCIAL CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit monitoring subscription notified me that XXXX had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from XXXX nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX. He informed me that on XX/XX/XXXX, I had taken a loan from a company called Allied Cash Advance in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of Allied Cash Advance. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

XXXX is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX XXXX XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX XXXX, Four accounts with XXXX XXXX XXXX, Three accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with XXXX XXXX XXXX and then One with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: citibank 's online portal will not work

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 10-06-2015 about Mortgage (Other mortgage) with BB&T CORPORATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Apothaker & Associates, PC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, I discovered that my savings account was levied due to a judgment against my husband. 
The collection agency, Apothaker and Associates, has withdrawn funds from my husband 's account several times. The last withdrawal was XXXX XXXX in the amount of {$1600.00}. 
I contacted the agency to alert them of my complaint and they stated that a cease and desist was ordered on the account so they could not discuss any information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TN).
Issue: Application, originator, mortgage broker

Complaint: I have been in a loan modification with PNC mortgage for 6 years, my payments they set up for me to pay, have all been made on time and now they tell me I am behnd {$420000.00}! They want me to do a new modification and tell me Im going onto forclosure

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (VT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Disputed the Public record state tax lien information as paid & released of personal income tax, aged out. Equifax reporting to XXXX XXXX reported different information show no paid or released.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My chase saphire card has been compromised and there is delay in receiving the card when I inquired about them they put me through secuirty team after a wait of 60 mins and spoke to a security team manager named XXXX ''. I complained to him that his previous agent did n't handle the call well and I was wondering about the new card but he does n't seems to be caring about my complaint and did n't offer any good will gesture. My card arrived next day and I could n't activate the card when I called them again they put to the security team again after 30 mins wait time. Unfortunately I again need to speak with XXXX '' and said that my card got compromised again which is unbelievable. When I pressed for more answers I did n't get any convincing answers. Could somebody investigate why my account got compromised twice and second time I did n't even got my card. 

I almost wasted 3 to 4 hours on phone to deal with this issue. It should have just 5 to 10 mins I need some compensation for my time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: US Bank charged me an overdraft fee of {$36.00} because I did n't have money to cover the monthly account fee of {$6.00}. My account was already negative by a few cents - {$.00} when the monthly fee was charged. Once the monthly fee was charged on the account, the balance was - {$7.00} and therefore us bank charged a fee of {$36.00}. It is not fair the bank is charging me overdraft fees because I did n't have the money to cover their monthly fees. And besides the {$36.00} for a charge of {$6.00} is outrageous. I would appreciate if you can help out US bank customers. This is not the first time they charge me a fee of {$36.00} for going negative for less than {$10.00}. Other banks at least have tiers that would not charge an fee that is 4 times the negative amount.

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 05/13/2015 about Debt collection (Payday loan) with Red Cedar Services, Inc (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Intrusive billing inquiries and charges eating up credit line by hackers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Mortgage (Other mortgage) with Statebridge Company (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX our mortgage with XXXX was discharged through Chapter XXXX bankruptcy. We received approval of the loan modification on XXXX XXXX, XXXX. Today, we receive a welcome letter from Statebridge, LLC, dated XXXX XXXX, XXXX, advising they are debt collectors but no mention is made of our approved loan modification which is current. Our concern is that Statebridge is not honoring the XXXX HAMP Loan Modification and we are starting all over again! Please assist!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX charges were posted to my Sam 's Club Credit card on XXXX/XXXX/16. Both charges were made at a XXXX GA gas station. The first was {$58.00}, the second was {$170.00}. I called the bank, emailed the bank, and wrote a letter to the bank disputing these charges. I received a letter from the bank that states in part, " ... you have notified us that there is no longer a dispute. '' I never notified the bank that there was no longer a dispute. Synchrony Bank provided me no evidence that they investigated this complaint, but merely dismissed it by sending the letter.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 sent numerous letters to Equifax requesting how they verified a bankruptcy reporting on my report. Each time they have come back and stated that they verified it with XXXX. Each time I provided evidence from the courts as well as XXXX. So how is this possible? XXXX do not match public records data to consumer credit files for Equifax. Equifax performs the matching themselves. According to the FCRA, if requested properly by the consumer the reporting agency must provide documentation that the negative item is mine, according to the FCRA, the item is classified as Unverified, and all unverified accounts must be DELETED!! XXXX deleted the account because it could not be verified, neither can they .... now it must be deleted!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Arbitration

Complaint: I have purchased many items from XXXX on my Chase credit card. Many items are defective or fraudulently described or I have been overchargedor charged for items I did not order. Chase VISA has not been helping

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Bank account or service (Other bank product/service) with NEW YORK COMMUNITY BANK (OH).
Issue: Account opening, closing, or management

Complaint: New York community Bank which took over Ohio savings bank has pushed their Elite banking every time I go to a different teller or re-up a CD. Recently I received a mailer asking that I join the Elite plan and get the better results in interest. You have to keep your balance at over XXXX and the increase in interest only affords you a payout of XXXX dollars a year. In the Mailer it explains in very fine print that the accounts are transferred to XXXX. That was never mentioned before and the cover letter is on Bank Stationary which mentions FDIC. The fine print of themailer mentions that it is not insured by the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with United Check Recovery Bureau, Inc. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This is a a follow-up response to the following case number : XXXX. 


In regard to the response that the company responded with ( filled with falsehoods ), this person responding is not accurate and in the response, and is stating out-and-out lies. This organization has in fact, contacted me NUMEROUS times ( 6 times -- and the 1st conversation was recorded from my end, and the other 5 times I have copies of the message that was left ). I stated from the first conversation that I DID NOT WANT TO BE CONTACTED BY TELEPHONE OR AT MY JOB BY TELEPHONE ... .I also clearly stated THAT I WANTED VERIFICATION AND A PAPER DOCUMENT MAILED TO ME ... this XXXX XXXX responded " Why -- why do you need that?! I can email you something. '' However, no email was ever received. And according to the FDCPA, a verification must be sent by mail after the initial telephone contact. This person has contacted my distant relatives ( they have already filed a notarized statement for my attorney ) that clearly demonstrates they were contacted AFTER this disreputable company knew exactly where I lived and how to contact me. They were just calling distant relatives to intimidate and scare me. Finally, I HAVE RECORDINGS WHERE THESE BOTTOM FEEDERS imply legal action and such from the courthouse .... 

I will be pursuing this to the criminal and civil extent that I can. I am also in contact with ( 3 ) other parties who have been victimized by this disreputable company -- I found these other parties on other blogs complaining about this company and I reached out to them. UCRB better be prepared to be sued for the fullest extent that we are able. I have had enough. By the way, to date, I have received no email and no postal mail from UCRB validating the debt. I have indeed sent a CEASE and DESIST Letter and a Validation Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I recently had several experiences with my XXXX XXXX Visa card, which explicitly says and is marketed as having no foreign transaction fees, that indicate something like a foreign transaction fee is being charged. What is actually happening is that Chase Bank and Visa ( and XXXX XXXX XXXX are complicit in allowing XXXX to mark up exchange rates so that the rate applied to a purchase in a foreign currency, when exchanged into dollars, is about 2.5 % higher than the rate that would be used if actual market-based exchange rates, published daily from, say, the XXXX XXXX XXXX, were applied. In my case, Chase Bank says they just go by what Visa uses and thereby allow Visa to mark up exchange rates by about 2.5 %, in my experience. In doing this, Chase and XXXX perpetrate the misleading, nay bait and switch, marketing they use to encourage people to get their " no foreign transaction fee '' credit cards ; indeed, the 2.5 % markup, though not billed as a foreign transaction fee, merely substitutes for such a fee because this extra 2.5 % should not be charged at all. Card holders are not unreasonable to assume, and Chase and Visa do not transparently disabuse us that, we will be receiving a market-based exchange rate ( with no additional markup ). In trying to talk with Chase ( who talks to Visa while XXXX sits idly by ), there is no way to get this situation corrected. Moreover, this hidden foreign exchange fee is in direct oppositon to a related class action suit that the credit card companies lost and paid dearly for several years ago. Finally, I ca n't believe I am the only person experiencing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Savings account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In XXXX of 2017, I sent a withdrawal slip for {$100.00} dollars to my PNC Bank in XXXX Pennsylvania, to have a cashiers check sent to me, which I have been doing for over twenty years. The PNC Banking XXXX sent me a letter stating that I can no longer have direct access to my account. I will need to give a agent of representative a Power of Attorney to access my account and then give me the monies I need. It seem that due to my incarceration that the Bank has started to discriminate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Payday loan () with National Principal Group, LLC (ID).
Issue: Can't contact lender

Complaint: I have gotten 2 collection calls from the NP group saying that I took out payday loans. I do n't remember getting payday loans. They said it was sent to a XXXX account and then I closed it to avoid paying the loan back. It took forever to get any paperwork from them they never told me it was an attempt to collect a debt. I paid them for one of the loans and luckily XXXX is taking care of it. Everything I call it does n't matter when number I call from or call to I get the same guy named XXXX. I feel like this is a scam and the government needs to investigate this company. The paperwork they had they said they would only email they do n't use the mail since it 's to slow and they want to close out the file they never told me the company the loan came from or what website I went to for the loan just that they got the file from XXXX. I found a number for them and it just keeps saying that they have. great offer from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: My name is  XXXX   XXXX  and i have been trying to work with my lende r Select Portfolio Servicing to obtain an affordable modification payment for my property and have constantly gotten the run around and now i am in further in default and  afraid to loose my house. I was approved for a forbearance plan which double my mortgage payments, I believe my Home Owne rBill Of Rights have been violated by my lender as I have not had contact with my single point of contact. Additionally every time I call I always get a different story from different people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my Mortgage payment through my bank. A check is cut and mailed to the Mortgage Company. The check that was mailed to Carrington Mortgage was cashed 2 days early causing by checking account to be overdrawn which caused NSF fees. The date on the check was XXXX XXXX, 2016. It cleared my bank on the XXXX. I called my bank who, as a courtesy, issued an NSF refund on the initial overdraft charge of {$38.00}. I then contacted Carrington Mortgage and explained what had happened. I was told they do no accept post dated checks and that the address where my payment was mailed was a " machine '', which I took to mean a clearing house for posting. I was not contacted by Carrington or given any notice of the early posting. I was offered no resolution to the issue by Carrington, but was assured by the CSR I was speaking to would be getting with a manager and give me a call back to see what could be done. It has been 24 hours since I contacted Carrington and I have yet to hear from anyone. Another day has passed and two other outstanding charges have been posted to my checking account causing two more overdraft fees to post. Total overdraft fees as of XXXX are {$110.00}. This is ridiculous. If a machine is capable of reading an XXXX routing number and an account number from a piece of scanned paper, it should certainly be able to read a date as well as stop an early draft from happening.

Company response to consumer: Closed with explanation