milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On or around XXXX XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XXXX XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within 5 days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

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 10/15/2015 about Debt collection (I do not know) with Premier Recovery Group (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Voicemails on my cell phone stating that there have been serious allegations against my personal information.  That myself or my attorney need to contact them and make a statement today.

Company response to consumer: Closed
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of ID theft. I am a California resident but someone out of state has taken out mortgages and credit cards in my name. 
I alerted the bureaus of this by mail XX/XX/XXXX ( see attached letter to transunion. I also sent a copy of a police report ( see attached ) and an id theft report from the FTC. 
All the bureaus complied and blocked all the accounts, but Transunion failed to do so. 
Instead of blocking they simply deleted the accounts and re-reported an account from XXXX XXXX XXXX after deleting. This is a violaiton of the FCRA which states they are to block fraudulent information. My last call to Transunion brought no remedy as they said they wo n't be removing the account from my credit report.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent dispute letters to  XXXX , TransUnion  &    XXXX   in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX .   XXXX   and Transunion has not responded on this dispute and it has been over 45 days.  XXXX  sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that  XXXX  feels that they can use a third party and  not even be sure on the information they are reporting? It is not right and its unfair 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 explanation
Consumer complaint received 03-01-2018 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: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNTRUST BANKS, INC. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Hi- I signed up for a Capital One card lastXX/XX/XXXXon a 0 % for 12 month rate. 12 months has passed, my credit score is XXXX ( pretty good ) and they are charging me 23.99 % interest. I called about it and was given a bunch of mumbo-jumbo

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (PA).
Issue: Account opening, closing, or management

Complaint: I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting 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 12/16/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: Unauthorized money transaction, by means of direct deposit, by the company XXXX. The company direct deposited illicit monies. Bank to Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Midland Funding called a relative who is not on the account the amount that I owed. I contacted Midland letting them know what they did was illegal and they have not contacted me back what options do I have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, XXXX, I call XXXX to report fraud charges on my credit card. I was out of town when this charges occurred. I received a letter dated XXXX XXXX, XXXX, from XXXX, stated : '' Our research has indicated that the transactions are valid ''. I called XXXX and ask why the determination and was told that a chip card was used. I responded that one of the fraud charges was an online purchase that could not be a chip transaction. I had believed that the card was always in my position but this may be false because I also have a second XXXX credit card through my wife 's account, so it the card might have been stolen. The fact the XXXX stated that they where chip transactions are in question because at least one of the charge was an online transaction that could not have involved the use of the chip. 

I never gave anyone my card nor was I in town to make the charges in question.

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 12/18/2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (KY).
Issue: Managing the loan or lease

Complaint: This is a follow-up to Case Number XXXX. US Bank acknowledge in their response that they misplaced a check and once a new check is issued and paid they will resolve the outstanding loan and ensure the " credit bureau is corrected effective the total loss date. '' On XXXX XXXX, the insurance company sent a mailed a check replacing the check US Bank lost. I immediately went to the bank to sign the check over and to being the stets to resolve this issue. To date, I have not received a release of the lien. Instead, I received a " Notice of Intent '' demanding {$5600.00} considerably more than the {$3200.00} balance noted in the XXXX XXXX letter mailed to be in regards to my previous complaint. Furthermore, US Bank has failed to pay back the {$180.00} overpayment ; stating it was recouped to pay for fees. I advised US Bank that I was unaware of being charged any fees. I inquired as to what the fees were pertaining to and again advised that if they were related to charged that would not have been incurred if the original check had not been misplaced. The bank representative ( XXXX ) could not advised. I did inform US Bank that without being informed of any charges and their ability not to justify retaining the {$180.00}, is nothing more than theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to do a modification with Chase bank. 1. I was approved from Save Your Home California. Chase would not accept the dollars. 2. My housing ratio is more than XXXX %. I qualify for a modification. The property is in foreclosure. They keep making excuses. First they said the XXXX bill is old. I provide a current XXXX bill and now they say it does not have XXXX ( My name is XXXX XXXX XXXX ). 3. I have written several letters and the only response I get is that They received my letter and will get back with me. They keep playing games. Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax IS NOT stopping XXXX Funding from improperly and illegally showing a collection action that DOES NOT exist, and that was already remitted before they purchased a BULK File from XXXX. 

XXXX and Equifax , HAS BEEN notified in Certified and Traceable Mailings to Cease their negligent, Willful, and Illegal activities, but they have refused to correct the errors and STOP XXXX from using their services.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was a victim of a predatory loan and actually still am. I have tried to get Bank of America to modifiy my loan since XXXX on only wanted them to reduce my 2nd Loan that is a 9 % interest rate to current market or the same as my 1st loan which is a 3.5 %. I tried 3 times and every time Bank of America would say they could not help because the 2nd loan was from another bank and they have to follow strict guidelines and if the 2nd loan was with Bank of America they would be able to help. On XXXX XXXX I received notification that Bank of America was going to be taking over my 2nd loan which was great news because now Bank of America can finally help me. When attempting to get a refinance or modification they game another excuse. I had no choice but to file a small claims lawsuit against Bank of America, while in court the Judge was in my favor in poor practice however the reason the Judge dismissed my case without prejudice. Is because Bank of America representative expressed that my modification process was still active and not closed. I informed the Judge that was not the case however I had no evidence to prove that. I called Bank of America modification department and received confirmation that my modification was closed on XXXX XXXX, XXXX and which showed that Bank of America lied in court. I will be re filling again my lawsuit against Bank of America with evidence and proof of there lying

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 01/27/2016 about Credit reporting () with LEXISNEXIS (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Incorrect info regarding collection agencies and auto driving.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Fraud or scam

Complaint: XX/XX/XXXX.2017. A wire transfer was made in the amount of {$55000.00} to a vendor in XXXX XXXX known by us ( Company ) for many years. Correspondence continued  back and forth until transfer was made. When vendor did not confirm receipt of funds, we discovered that we had been defrauded and that the long email address was missing one letter. 

Our bank was contacted as soon as we realized what happened and asked them to recall the wire. However, our bank uses XXXX XXXX as the intermediary bank for international wires and the receiving bank was XXXX. Despite numerous telephone calls, emails and police reports, neither our bank, Santander or XXXX XXXX responded to us as of today. We were told that XXXX XXXX " attempted '' to communicate with XXXX to recover the funds, but XXXX has not responded at all. 

We are an extremely small company and the possibility of someone intercepting our emails and knowing that we are making international wire transfers is highly unlikely. We believe that either Santander and XXXX XXXX data has been compromised or that someone in these organizations is selling the information to a fraudulent entity. There is no indication that either of these 2 organizations have done anything to stop this from happening to other companies. As far as XXXX, we believe that they are harboring fraudulent entities in their countries because they had all of the information of the " person '' who received this wire, however, they have done absolutely nothing.

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 03/21/2017 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (PA).
Issue: Fraud or scam

Complaint: I use this rush card for my direct deposits or work and I can use it to put other money on this card so I decided to put my income taxes on it this started on XX/XX/XXXX when my Federal was sent to my card got my money that day. went to bed it is XX/XX/XXXX that 's when my money was gone XXXX of it called the card hysterical wanting to no what happen to my money they said everything will b all rite and they will get to the bottom of this they sent me a form with what I told them and about two weeks later they said they found no error and that was it I have a police report as well and they are still looking into it I need more help I hope you guys can

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have con tacted JH Portfolio Debt Equities LLC by  mail, letter sent  XXXX / XXXX / 17 , and they received it on  XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Medical) with SKO Brenner American, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I sent a letter of verification to SKO Brenner American requesting verification of several accounts being reported as negative on my credit profiles. Received the return certified receipt stating letter was signed for on XX/XX/2015. On XXXX XXXX, 2015 received a letter form SKO Brenner American representative by the name of XXXX XXXX stating The they have notified the credit bureaus to delete these accounts from my records. Today is XXXX XXXX, 2015 and the negative accounts are still showing on my credit profiles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX-year-old ( almost ) senior. Several years ago a trusted financial advisor lost {$50000.00} of my IRA and I felt forced into getting a reverse mortgage. I got it through XXXX XXXX who subsequently sold it to Champion Mortgage. I am struggling financially because I must keep current on my property taxes and homeowner 's insurance. I asked Champion to reduce the amount of my PMI to be the same as the President 's recent reduction and they refused, citing a bunch of " gobbledy-gook '' as their reason. Can you help get my PMI rate reduced? And, is there an organization where I could ask for a grant to help with my property taxes? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This Agency has continued to report inaccurate information on my report even though they know its not accurate.I have complained to them reapeatly but nothing has been done.

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 06-08-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Chap XXXX bankruptcy discharged XXXX XXXX, ( home was included ). XXXX XXXX sells loan to Bayview. XXXX home mod attempted but not taken by home owner. XXXX XXXX foreclosure re-started, XXXX auction was cancelled. Not rescheduled. Neither Bayview or their lawyers will respond to emails about when or if the auction will be rescheduled. XXXX years after bankruptcy and XXXX years last mortgage payment still no resolution, although they continue to pay the taxes and house ins on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Payday loan () with Bliksum, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: 94 % interest rate since XXXX I have paid {$4400.00} in interest on a {$6500.00} loan with a large origination fee with a payoff amount of {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent out a letter to each credit bureau on  XXXX / XXXX / 2017  requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a  3rd party  company and I am unaware as to where this bankruptcy information is being reported from.

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