milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EXPERIAN IS NOT REPORTING FCBA DISPUTES CORRECTLY ON XXXX ACCOUNTS THAT HAD FRAUDTHEY ARE REPORTING A BANKRUPTCY THAT DOES NOT BELONG TO ME ON A PROSPER ACCOUNT, THEY HAVE VIOLATED AND PUT FALSE INFORMATION BY STATING AS SUCH, XXXX ACCOUNTS HAVE BEEN CLOSED. I HAVE SUFFERED IRRPREABLE HARM. 
I AM BEYONG LIVIDI HAVE NO CREDIT REPORT AS SUCH THEY WILL NOT PROVIDE ME XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Settlement process and costs

Complaint: Bank of American acct XXXX I have resigned the paperwork for settlement and the deed three previous times, since XX/XX/XXXX. In XX/XX/XXXX I received a phone call saying that the paperwork was incorrect and they would give me {$350.00} for my trouble if I would just resign. I told them I would, but I want the old copies back that I have previously signed. I wrote to your agency and immediately received a call from the presidents office at BOA. they said that they were sorry and they would have the paperwork and the old paperwork that I signed sent to the BOA office in XXXX Pa. they would call me when it arrived and I agreed to go up and resign. Since XX/XX/XXXX, no other contact was ever forthcoming. I assume that they had gotten the county to accept the paperwork. 
Today I received a call from the management company who oversees this property and it seem that XXXX XXXX XXXX had been retained by BOA and had sent a XXXX package to my XXXX home, even though the paperwork in inside clearly shown my mailing address as XXXX XXXX, XXXX, Pa XXXX it was just found on Monday XXXX/XXXX/XXXX and the management company sent it to my home address. 
I called XXXX XXXX, at XXXX XXXX XXXX. and told her the story and she said that she would let BOA know. I also advised her that I had contacted XXXX county recorder of deeds and they advised me that the reason it was never filed was that they require a FONT of 10 or higher and the BOA paperwork was 9. Looking at the paperwork from XXXX XXXX XXXX. I would guess the font is a 7 or 8. I asked her for a copy of the letter that she would be sending BOA. HOPEFULLY I will receive it Clearly BOA and it representatives do not know what they are doing and I do n't wish to be harassed any more because of their incompetence. They can contact me when the paperwork arrives at XXXX ( both the XXXX incorrect copies, and the new copy in the correct font so that XXXX county will accept it. FYI, my mortgage payment was paid to day and paid ahead.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Released my personal information, which Equifax had no personal permission to collect, released to " hackers '' along with 143 million other people. Then Equifax refuses to give me XXXX because they ca n't verify my info. Called a representative on X/XX/17.was told to callXXXX, but after several attempts throughout the all I got was a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind in my mortgage payments and was contacted last XXXX by a credit associate with my mortgage company. She assisted me in beginning the modification program. Once I began the process, my associate was changed. I have now submitted the modification paperwork no less than 6 ( six ) times since XXXX, and each time there is a reason why the modification can not be completed. The most recent time I submitted the documents, I double and triple checked the paperwork to be sure that it was accurate, complete, and signed in black. It was. Once I contacted the mortgage company ( my rep does not follow-up on her accounts ) this morning, I was informed that the paperwork was missing the Compliance Agreement page. I vehemently disagreed and asked to speak to the manager. The manager was also unable to verbalize a resolution that was acceptable, and said that he would contact me Monday, as the Modification department did not work weekends. 
Once I was able to review the copies that I had made of the documents that I sent to the mortgage company, I realized that either someone in the scanning department deliberately left a page out, or whoever received the document discarded or 'lost ' the Compliance Agreement ' page. This process has been going on for seven months. I think the mortgage company wants me to not complete modification and to leave my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with DISCOVER BANK (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened a Discover Bank Checking and Savings account on XX/XX/XXXX. I transferred {$5.00} from my XXXX checking account for the initial opening of both accounts, which was received and accepted on XX/XX/XXXX, I had also scheduled for {$50.00} to be sent to the new account on XX/XX/XXXX. On XX/XX/XXXX I received an email that both accounts have been suspended and to call immediately, which I did. Upon calling them, I was told the accounts were n't suspended, but actually closed and the initial {$5.00} would be sent back to the issuing bank and the {$50.00} that was in the process of being transferred would be rejected and sent back to the issuing bank, as well. It is now XX/XX/XXXX and none of the money has been sent back. I called them today to find out why the money had not been returned to my issuing bank. I was told a variety of stories : 1. The issuing bank had to send a letter of indemnity to Discover in order to return the funds. When I asked why, I was told it was policy. I explained I had been told in the last phone exchange that the money would not even be accepted, so I should n't have to jump through this hoop. I asked for a supervisor. 
2. XXXX, the supervisor, continued to say that it was policy to get the letter of indemnification. I asked for the policy that dictates this. She led me to the National Deposit Account Agreement online, wherein it states that " We can close your Account at any time for any reason, including if the balance in your Account is zero. If we close your Account, funds on deposit will be disbursed to the Accountholder ( s ). '' I asked XXXX where it says anything about a letter of indemnification. She said it 's policy to require it. I told her she was a liar and wasted my time. I explained I could understand if they had policies in place to guarantee that I was me if I wanted them to send me a check, but I only wanted the money returned to the account from whence it came. I was n't asking them to return it directly to me, so they would have no loss and would therefore, not need a letter of indemnity 3. On a subsequent phone call ( we were disconnected ) to XXXX, she stated that when their " investigation '' was done and the letter received, they could release funds. I said, " What investigation? '' She said I was being investigated for fraud and that was why they needed the letter. She refused to tell me what prompted this investigation. I told her this sounded like a ruse to avoid releasing funds since it has not been mentioned in ANY other correspondence or communication. It was unlikely that I was committing fraud for {$50.00}! 

I believe Discover holds funds they are not entitled to in order to increase the interest they can get off those funds and the more hoops customers have to jump through, the better. They have told numerous lies throughout this process and they should be held accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to XXXX   and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to 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 monetary relief
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (SC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I paid my credit card account off with the First National Bank of Omaha on XX/XX/XXXX by paying online from my debit account the amount of {$26000.00}. I then made an additional payment of {$1200.00} on XX/XX/XXXX XXXX out my account. I paid the card off before the end of the month but was still charged interest for the purchases I made for the month of XX/XX/XXXX after my account had a XXXX  balance. I called the bank the day before I made my initial payment and was told that I could not receive a payoff amount because they didn't know what I'd purchased. After the additional interest charge of {$100.00}, I called the bank and asked to speak with a supervisor and was told that because I didn't ask for a payoff, I was billed the additional interest. I was eventually forced to pay the additional interest on XX/XX/XXXX for the full amount. I was not allowed a minimum payment. The bank mailed new credit cards to me and I sent them back with a note that I would not be using their credit cards. I had no intention of getting into this type of debt again and had decided to leave the account open, since I'd had this card since XX/XX/XXXX and had an excellent payment history, but not use it unless I had an emergency. I made absolutely no request to close my account nor did I sign the notation. As a card holder, I have every right to refuse additional cards. The bank, during a conversation that I have taped, said that I inferred that I wanted my account closed, closed the account, and refused to reopen it when I spoke with them. They acted in bad faith by refusing service to me for an account in excellent standing and closing my account without my permission.

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 07/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because TRANSUNION has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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
Consumer complaint received 03/15/2016 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. 
Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. 
We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. 
I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with ERC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company ( ERC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Billing disputes

Complaint: XXXX/XXXX/16 We are long time Chase credit card customers with a flawless payment history, high FICO score, and seldom dispute credit card charges. Recently, we were the victims of obvious credit fraud in that the XXXX XXXX XXXX, of XXXX, AZ quoted us a onetime {$85.00} trip charge to provide an alarm/video estimate. This charge was to be shared XXXX by another customer in the area for an amount of {$42.00}. We provided several very detailed letters and enclosures to Chase dispute department to substantiate our claim. 

At the time of authorizing a phone charge, it was confirmed with XXXX XXXX that the charge would be only {$42.00} and he said yes. To our surprise, he charged us a whopping {$230.00} instead. This is obviously fraud as nobody in their right mind would agree to {$230.00} trip charge under the circumstances submitted. It should also be noted that we also never received a product or service from the vendor ( e.g. a formal written estimate for alarm/video mods ). 

Chase dispute supervisor XXXX claims that if we authorize a charge on the phone the vendor can put any amount they want. This is flawed as vendors should only charge what is authorized. She also said we need a receipt from the vendor stating what the charge should have been. This is ridiculous at the vendor is the one that issues receipts and obviously when they want to fraud and steal from unsuspecting customers they will not issue receipts that go against their claims. Our documentation provided shows the trip charge of half of {$85.00} was confirmed by Automation solutions. The dispute department ( esp. XXXX ) failed to accomplish due diligence in the review of our dispute. We also question the dispute process of Chase which seems to favor merchants ' XXXX. Despite requesting for senior mgt. review the dispute dept. charged back our account of {$180.00}. 

The original dispute is encl ( 3 ). The rebuttal is encl. ( 2 ). And the latest communications to Chase via secure email on their web site is encl. ( 1 ). 

Request Chase senior management officials review attached documents and correspondence and whether the vendor agrees or not for Chase to credit back our account {$180.00} posthaste. 

XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a mortgage listed through Ditech # XXXX which should not be listed as profit and loss and that I owe. The home burned down and insurance coverage was on this home which paid. This needs to be removed it is false

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing this complaint against Experian Credit Reporting Agency for failure to comply with the Federal Regulations. After realizing that my credit has been damaged by the city of XXXX, I went straight to the city to find out the problem. Being there, they asked for my Drivers ' License what I gave them, but they were unable to find any information related to me and they asked me to send a dispute to Experian and have them remove it. I already sent about XXXX disputes letters to Experian since XXXX 2016 with proof that those XXXX accounts do n't belong to me and experian failed to provide me with viable information that those accounts belong to me. I asked experian several times to remove those items from my credit report and each time the send me a response, it 's to tell me that those items have been verified. Realizing that eexperian is acting in bad faith just to protect his interest, i am taking a liberty to report this situation to the FTC to resolve this issue. I have suffered enough with this credit damage. I ca n't refinance my loan, ca n't do nothing with this credit damage. You 'll find attached a credit report with those items, a copy of my drivers license, a copy of my US passport and a copy of the letter from the city of XXXX, bearing the name used to damage my credit.

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 08/15/2015 about Debt collection (I do not know) with The CBE Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBE company calls me repeatedly daily for a XXXX XXXX XXXX. I am XXXX XXXX XXXX with different social security #. I have asked and told them to take me off their list and yet I get called every day. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Capio Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent out debt validation letter and letter to verify account the collection agency refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am reaching out with a concern about XXXX XXXX. I should be getting credit for making nearly 3 of the 10 required years of payments for the Federal Student Loan Forgiveness Program and am only being credited for 8 months! 

Furthermore I have been calling XXXX XXXX for 10 months to get a review and they will not complete one. I asked for a review in XX/XX/XXXX and XX/XX/XXXX that was not completed and then another one this fall. During this 10 month period, XXXX has continued to not count my ( qualifying ) income-based repayments toward the loan forgiveness program. 

I was starting to wonder what could possibly be happening with XXXX XXXX, so I did some research and learned that they were being sued ( before the DOJ intervened last month ) by the Massachusetts AG for this very issue and for never correcting the problem. This is financially a very scary prospect for me since I am not paying off my high interest-bearing loans assuming that I will receive the forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XX/XX/2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that XXXX is not able to obtain. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.

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