milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a call from IC System Stateing I owe a Debt of XXXX to XXXX XXXX hospital. The rep Had a Incorect Address along with stating they Went to my Company Website to get my Phone Number. The Collection Rep changed my Address on the Contract they she claim I owe. When I told her I had Idenity theft she told me They will put this on my credit report come XXXX XXXX. I then called XXXX and wrote XXXX Letters with supporting Documents and they never Responded. I Do n't like the fact that the collection Agency change the address from where the fraud happen. I do n't even have a pet. XXXX and the collection agency refuse to even mail a Affidavit for me to sign or dispute the issue.

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 08-08-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had an incident where my wallet was lost, along with my identification and bank cards. Upon realizing what happened, I immediately checked online for any purchases using my PNC checking accounts. I went into the nearest PNC Bank and informed a representative of what happened, identified multiple fraudulent charges, and I asked the representative to have my account information changed and reissue new cards. After a week of waiting for new cards ad account information to arrive I contacted the bank regarding when I should expect my new account information, and was informed that my accounts had been " administratively closed '', and that I should contact their loss prevention/security department for further information. When I contacted the recommended department I was basically told that my accounts were closed due to fraudulent activity, and that I would not be permitted to reopen that or any other accounts with PNC. I asked many questions, but got entirely NO answers or any satisfactory resolution. I was treated extremely unkind and was talked to as if I was a criminal. After several unsuccessful attempts to resolve this, I eventually opened an account with another bank. I recently, however, pulled my XXXX report after having been denied the ability to open another account for my son. When I received my report, I saw that PNC has reported that there has been " Suspected Fraud Activity '' on that account. That 's TOTALLY WRONG of them to do that, especially since I did everything I knew to do and that I was the one to initiated a fraud investigation in the first place. Each time I went into the branch to get answers I was referred to the same fraud department who wasted my time and treated me horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XX/XX/2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XX/XX/XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch XXXX, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XX/XX/2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.

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 07/21/2015 about Debt collection (Payday loan) with Direct Recovery Services, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.

Company response to consumer: Closed
Consumer complaint received 09/13/2016 about Consumer Loan (Vehicle loan) with SCS Credit Corporation (IN).
Issue: Taking out the loan or lease

Complaint: In XXXX, I was informed that a ex-boyfriend was using my credit information to obtain several car loans and furniture. He obtained XXXX car loans, which were all repossessed due to his inability to register them with motor vehicles. At the time, I had a protective order due to past domestic incidences which he served time in jail and was released in XXXX. Because of the protective order, I was contacted by the police when they found the abandoned vehicles to check on my safety, and then subsequently found out about the several car loans and furniture accounts that were opened within a month or XXXX of each other. XXXX of the car loans were taken out at the same buy-here-pay-here dealership, which I 've worked with the credit bureaus to clean up the information on my credit report from all the fraudulent accounts, names, addresses, and more. All but XXXX of those accounts have been removed from my report, since the person was convicted of fraud and sentenced. SCS Credit was the dealership that sold XXXX cars to this individual and has only removed of the loans from my report, despite the official police paperwork that was submitted to them. I have been trying to purchase a home for the last year, but this last fraudulent account is the only issue standing between me and my XXXX home. I just had my XXXX child and would love to be able to purchase a home and this issue has kept me from doing so. Since the information that was used to open the account was all fraudulent except for my name and SSN, they state that they would be unable to speak to me about the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

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 02/17/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was supposed to begin paying my loan serviced by XXXX in XX/XX/XXXX as I graduated in XX/XX/XXXX. XXXX claimed that I was in school until XXXX. I advised that this was wrong and I asked to begin paying my student loan and asked how much the payments were. They refused to give me a payment amount blamed the wrong date on XXXX ( the school ). I know this is not correct as I have another servicer and they provided me with payment information. They offered my a forbearance, which they said I could only have one. I declined as I want to have it available for a future time in case I need it. I began paying the loan and have made two payments of {$500.00} each, only guessing as to the amount because XXXX refused to give me my repayment figure or any due date. 
Yesterday, I received a letter noting a forbearance of XX/XX/XXXX-XX/XX/XXXX, stating late notice of separation. I am confident that this was not a late notice by the school or by me ( if fact I did notify them-at least three times. ) Instead this is an error made by XXXX. XXXX still has not provided me with either a due date or a payment amount. I don not want the forbearance. I do not want to pay any extra fees based on their errors. If possible, I would like my loans transferred to a servicer with a better servicing record.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  is continuously adding falsifying information to my report without validation. For example on case with CFPB  XXXX , a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me.  XXXX  stated that they will remove the alert. Well on  XXXX   XXXX  I received an alert from a credit monitoring agency that something was added to my report. After contacting Transunion to ask what was added  XXXX  stated that they received an update from   XXXX   for an extended fraud alert was placed on my report. I also received in the mail from  XXXX  a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked   XXXX   to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by   XXXX    that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file #  XXXX  states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was  VALIDATED not Verified but VALIDATED .  XXXX  is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that  XXXX  contact the other agencies to have them update my information as well. Also please note that in  XXXX   XXXX  was sued by  XXXX   XXXX  when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in  XXXX  she disputed with  XXXX  about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year  XXXX  and Transunion are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.

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 01-12-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint is in regards to my old Citibank Credit Card debt, which was turned over to XXXX XXXX XXXX XXXX. I had been paying XXXX {$140.00} per month to pay down this debt. 

On XXXX XXXX, 2017, my bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) sent a check to Citibank in the amount of {$2700.00}. This check should have gone to XXXX to pay off this debt in full. This check was cashed, however, by Citibank and not forwarded to XXXX. Citibank contacted by mail, XXXX XXXX XXXX, stating they needed more information regarding who the check belonged to, etc., and sent them a copy of the cashed check. XXXX tried to fix this situation and submitted the info. they requested. XXXX never heard back from them, after repeatedly trying to contact them. I also tried calling, mailing and faxing Citibank SEVERAL times, as no one I spoke to seemed to know the telephone number of the Citibank Payment Investigation Department. 

I have contacted XXXX ( XXXX XXXX at XXXX ) and explained to him the situation, that Citibank cashed the check, which should have gone to them. He was very understanding, however, they would like to receive their payment, in full. This has impacted my credit  score, as well.

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 08-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Account opening, closing, or management

Complaint: I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.

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 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of ID Theft from 2012. Sent new fraudulent acct. info to Experian for blocking and they refused to block the account based on the fact that my original police report was done online. They 're stating that the ONLY WAY they will block the account is if I have the police dept ( out of state ) sign page 5 of the FTC Affidavit. I explained the difficulty and getting this report from 4 years ago signed by an out of state officer and reminded them ( Experian ) that they 'd blocked previous fraudulent accounts on my credit report w/o the officer 's signature. This defeats the purpose of the police department 's intent to generate full, signed reports for these type crimes.

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 02-11-2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Trouble during payment process

Complaint: Roundpoint mortgage sent me a check. I called they said keep it. Later they wanted it back. I agreed to repay monthly over 5 years even though I shouldn't have had to. I have done what I said, never missed a payment in 7 years. They have charged me almost 300.00 a month in fees and when I confronted them about it they sold my mortgage to XXXX XXXX. So now I have a XXXX deficit in my Escrow because they applied the repayment of the check the wrongfully sent me to fees we never discussed. This was their fault. They have been fraudulently servicing my mortgage for a long time. I believe they did all of this on purpose to be able to charge me a bunch of fees. I have around 100,000 dollars in equity in my house and I'm sure they would love to forclose on it since I only owe XXXX. I am on a fixed income, I have kids with XXXX and I believe they prey on people like me. I can't imagine all the other people they are taking advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an old collections account with XXXX that I paid on XXXX XXXX, 2016. They sent a letter to the XXXX credit bureaus on XXXX, XXXX, 2016 stating the account was paid and changed the status to Paid Charge-Off. However they reported the same account on XXXX/XXXX/16 to XXXX and XXXX as a failure to pay. They are sent another letter on XXXX/XXXX/2016 to the credit bureaus stating the same as the XXXX/XXXX/16 letter but in neither do they reference the actual payoff date. I want them investigated for fraudently reporting data to the credit companies when the debt is paid off.

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 07-07-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.

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 11-12-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA).
Issue: Fraud or scam

Complaint: I was a victim of internet fraud. I ordered a vehicle and the sale/payment was to be handled through XXXX. This turned out to be a phony company posing as XXXX with their logo and everything. They had me do a cash transfer through MoneyGram to an " XXXX agent '' who would hold the money in escrow while the vehicle was delivered from another state. I had 5 days to review the vehicle and then if not satisfied could return it. 

I have subsequently contacted XXXX, MoneyGram and the local authorities and all have told me that it was a scam and that XXXX and MoneyGram are not responsible. I accept that but thought I would try to let others know of the scam and register the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed a child support collection account several times with Equifax. I have no past due balance and have not had a past due balance in over year. In fact, since XXXX, I have received a small refund check each and every month for overpayment. I have provided screen shots of my account, my case workers phone number. I submitted a dispute last month and Equifax came back, removed the historical balance and indicated that I have an even greater past due balance. I do n't think they are actually even checking. I am trying to purchase a home and this is making me completely ineligible and the information is inaccurate. I filed a previous complaint through this agency and Equifax replied to you that they updated my information. They added back incorrect information. I need this corrected. I am willing to have a conference call with the child support collection agency for the state of Colorado - whatever I need to do. Can you please assist me? This is unacceptable and my rights are being violated now for nearly a year. I am following the dispute and complaint process and this is not being resolved. I have attached the results from my most recent dispute. The log in page from my current child support account status page showing that I have a XXXX and the payment history showing the refunds for overpayment each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Debt collection (Medical) with Credit and Receivables Services Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. 

Please contact me at XXXXXXXXXXXX with any or all help associated with this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation