milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
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  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account

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 06/14/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of medical identity theft. Some one have obtained medical services using my name. The health records that XXXX XXXX maintains about me include information that is wrong and actually about some XXXX else.I have contacted XXXX and they have removed that information.. I am working to identity the effects of the medical identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.

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 09-06-2017 about Student loan (Private student loan) with DISCOVER BANK (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I need Bank of America too send the right amount from checkings too XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have spoken to XXXX Experian representatives over the course of months now to fix the following problems : 1 ) incorrect SSN on my report stopping me from getting my XXXX score and approval from credit card companies, and 2 ) their inability to verify my address and thus having me wait 90 days. I have uploaded my proof of identity multiple times, and as a result, got the SSN problem taken care of. Experian sent me proof of this saying my SSN has been update on a report.This means they have my identification materials on file -- exactly what they need to verify my address. However they " lost '' it and now I have to reupload them, except now it wo n't let me upload anything. I am dissatisfied with every aspect of Experian 's terrible, incompetent customer service, and believe that my identification materials have been stolen. I will be seeking legal action against Experian.

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 03/30/2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MD).
Issue: Trouble during payment process

Complaint: I am currently in a forbearance plan due to unemployment. I have been receiving delinquent tax bills from the state property tax department. I have contacted my lender on numerous occasions. No resolution is being provided 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 non-monetary relief
Consumer complaint received 03/17/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing

Complaint: during travel to XXXX we purchased train tickets for a portion of the travel. the train was significantly delayed and took 2x the promised amount of time. The merchant 's website outlines that trains are equipped with air conditioners and other amenities which our train was not. After the delay was announced we were not allowed to get off the train to look for alternative transportation methods and were held on the train without air conditioning for over 8 hours. we attempted to leave the train multiple times and were denied. I filed a complain with the merchant that the service was not delivered as promised through Chase. however, the company sided with the merchant for reasons that merchant refused to provide credit. Considering i was denied option to leave the train and/or cancel my service AND merchant has outlines quality of service that it provides, i believe my rights as a consumer were impeded. Additionally, it took Chase since XXXX to respond to this issue which seems very extensive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: CitiMortgage denied request for modification stating : " Threre was an irreconcilable discrepancy within your application request. '' CitiMortgage is not providing additional information and we have only been reviewed for Citi Supplemental Modification Program. The denial letter was dated XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Have fallen behind on mortgage due to inadequate employment. Retired person on fixed income ( Social Security and retirement pension ) and received notice of intent to foreclose by loan servicer, CHASE, on XXXX XXXX. Have active application in process for loan modification that has been dragging on for 5 months. Have submitted numerous requests to CHASE for additional information that seems to be delaying tactics. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BB&T CORPORATION (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have recently been informed by BB & T that my XXXX  credit card is delinquent a balance of {$160.00} and {$50.00} of which has been reported to credit agencies for non-payment. 

I have not used the card recently and last paid my full balance off in XXXX XXXX. I have contacted BB & T collections and they are unable to explain the series of charges. 

The identified a " RAP Fee '' charged in the fall and then subsequently accrued late fees and subsequent RAP fees. In speaking to a dispute agent they said they did n't know what this fee was but indicated that it was not a merchant fee or charge but a BB & T internal fee. 

I have been attempting to contact BB & T via online portal but my account is locked as well as by phone and have been unsuccessful because of excessive wait times ( i.e., > 45 minutes ) I am concerned because this beginning to damage my credit and I do n't understand charges and am having systemic problems in contacting BB & T. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting this account as being paid late on XX/XX/2012. This account is being reported by XXXX which bought this account from XXXX XXXX long after XX/XX/2012. This account was never late. I contacted XXXX XXXX and the agree but they do not report this information to the credit agencies. They have supposedly contacted XXXX however this information is still not corrected. I am getting sent in circles.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have called wrote and disputed unauthorized hard inquiry pulls and All I have gotten is a negative responce and rudeness. Including ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX all on XX/XX/XXXX. I specifically stated not to run my credit with anyone other than my current finance company. XXXX card XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX all happened on XX/XX/XXXX. They were also not given permission to sabotage my credit report. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Inquiries that are also supposed to be removed already is XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: I use XXXX for my financies. I track when I know my deposits will arrive and schedule bills according. 
If I know I will have funds on the XXXX I will schedule a bill/draft for the XXXX or XXXX. BB & T is drawing the funds XXXX to 5 days prior to the actual with draft/payment. This causes an overdraft because the depost will not arrive until the XXXX. This seems unfair to charge me an overdraft when an overdraft would not have happen if they did not cause it. 
If they are going to allow overdrafts then whats the point of pulling the funds early? 
I feel this should be illegal to charge me an overdraft when one technically did not occur.

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 04/28/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am having issues with understanding my escrow statement from Nationstar. I am getting charged a USDA fee, which makes no sense to me. USDA loans from my understanding have the PMI paid up front. I called to get some clarification, but was hung up on the line after getting clarification. I just placed the call today at XXXX EST. Also the numbers do not add up on the bottom of the escrow statement. As soon as I start subtracting the numbers within the account history, they do not match. Hence this leads to confusion on getting actual numbers and why my payment got increased {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery has been and continues to attempt to collect monies from me that I do not owe. I have never had an account with the company they are representing and I have also signed an affidavit of fraud as they requested. This negative reporting on my credit report is causing great damage and I want this matter corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. There was a fraudulent XXXX account opened in my name. The debt is currently reporting on my credit report by a collection agency called Diversified Consultants. I have provided documents to both companies proving that I am a victim. I have been trying to get the Diversified Consultants collection account removed from my credit report for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: A computer glitch that was TransUnion 's problem - not my problem - it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and that myrights were violated by TransUnion. Can someone help you make TransUnion stop victimizing me and others. I know that this is illegal

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 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I phoned Experian on XXXX XXXX to have them fix incorrect addresses on my credit report. 
There is only one correct address that should be reporting and that is XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThey did not allow me to open a dispute of wrong information being reported on my credit report. 

The F.C.R.A deems me the right to dispute incomplete or inaccurate information on my report. Credit reporting agencies must delete inaccurate, incomplete or unverifiable information. My creditors have reported my address as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThis is the only verifiable and true address. All other unverifiable information must be deleted according to the F.C.R.A. False information has been used in identity theft of myself in the past. I work hard to keep that from happening again. In light of all the repeated data breaches I would expect a Credit Reporting Agency to be at the forefront of protecting consumers personal information and make it more difficult for thieves by only reporting accurate info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}. 
I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair.

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 10/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Given all the fuss about XXXX XXXX opening up fake accounts, I thought I should mention that CitiBank did the same to me in 2008 as XXXX XXXX. I did not want a Citi bank account, I did not sign a contract agreeing to it, and I never used it. I am assuming that someone at Citi signed a fake signature to open an account in my name. 
Given that I did not want the bank account, I did not sign for it, and I never used it, I just ignored it. They closed the account for nonpayment of the monthly service fee. Even then, they sent collections after me and did n't leave me alone. I had to make multiple calls to Citibank pointing out that they must have faked my signature since I never agreed to open the account and they were committing fraud.. Finally, Citibank stopped bothering 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 08-04-2016 about Debt collection (I do not know) with Worldwide Recovery LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been getting calls from a blocked/private number. A woman by the name of XXXX leaves a message saying that I need to be at home or at work ( with a witness or supervisor present ) on a certain day to sign for something ; but she never states what it is. She alluded to the fact that it was a military document I needed to sign for ( I 'm joining the military soon ). Yet on the day she said she would arrive, no one came. I 've gotten two more calls this week from her stating that I needed to present myself to sign or it would be seen as a 'failure to comply '. I 've called the number she 's given me and left a message ; someone from Worldwide Recoveries called me back and left me the same number that XXXX did. This call was also from a blocked number. I do not know who these people are or what they want, but this is bordering on harassment and stalking. If this is a collection call, then they need to state who they are and who they are collecting for.

Company response to consumer: Untimely response
Consumer complaint received 12/29/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: In XXXX 2015 I received a form letter concerning a change in my Macy 's account ; specifically, Macy 's was closing my American Express store account and had selected XXXX Bank as their preferred credit provider. When I had not received a new credit card by early XXXX, I visited the local Macy 's store ; they suggested I write to the issuing organization XXXX about my missing card. I sent a letter on XXXX XXXX to request information and the new credit card. As of this date I have not received any response to that letter and still have not received a new credit card. I am concerned that a credit card in my name is still missing and have not been able to get any information from Macy 's or the Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation