milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting the worng information on my credi report

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number XXXX. 

I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in XXXX of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a result of a SYSTEM ERROR ON CAPITAL ONE 'S END. I do n't want to retain a lawyer but will and I am sure after they hear the recording which I have offered to let any capital one employee hear and they have refused. Capital One 's position is that we ca n't record calls. Fortunately, I live in XXXX and while substantive law may be in XXXX, the fact is that the recording was by mistake and was done in XXXX and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to XXXX and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the XXXX ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported XXXX people after his wife was injured by a maniac surgeon ( XXXX XXXX XXXX XXXX my now ex-wife is XXXX XXXX. ) I paid over XXXX XXXX in medical bills supported a family working XXXX hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about XXXX exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: The issue of Equifax reporting and sharing this erroneous information has persisted for a very long time even though the information is being reported under my Satisfactory Accounts History. The Account was closed by me XX/XX/XXXX ( XXXX XXXX XXXX ) has and is reporting that the account was closed in XX/XX/XXXX. My requests to Equifax has gone unaddressed they sent me a Notice that my Credit File was being placed under Fraud Alert and XXXX XXXX and XXXX would also receive a Notice. This was and is done without my " REQUEST or AUTHORIZATION ''. XXXX XXXX and XXXX both have removed the over 10 years history from my Credit File and again I want Equifax to do the same as soon as possible and end the erroneous and incorrect reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a car XXXX XXXX of XXXX, I had my father as a co-signer and we bought the car. I currently have 3 hard inquiries from doing this on my credit report. One from XXXX XXXX XXXX XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX. One from Capital One Auto Finance on XXXX XXXX, XXXX, and one from XXXX XXXX in XXXX, NM on XXXX XXXX, XXXX, which is where I bought the car. 

I did not authorize either one of those credit agencies to run my credit, we were told we were going through another credit union called XXXX XXXX XXXX XXXX but my father got denied as well. Then they just ran us through all these credit unions without asking our permission, and now my already bad credit score is  worse from all the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (I do not know) with National Credit Systems,Inc. (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (AL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I was discriminated and treated unfairly by suntrust, because of these two other banking employees and a district manager at XXXX XXXX  XXXX XXXX. Who has been spreading untrue things against me and getting other banks to deny me a checking account. Because XXXX XXXX has such hate and malice against me and my mother that she thinks we do n't deserve a checking account. I know she has influenced them to close my account. And they 're recent attitude towards me. I have every right to be angry and outrage and the way I have been unfairly discriminated against. I ca n't even have a bank account because of XXXX XXXX and her defamation of my character.

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 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: disputed incorrect reporting of XXXX XXXX ( acct # XXXX ). account is only showing history to XX/XX/XXXX account has been owned by XXXX at the earliest date of XXXX XXXX. I obtained an emergency loan from pa home finance agency, in XXXX XXXX, for over XXXX dollars. XXXX corrected my credit report at that point in time to reflect as paid never late. after XX/XX/XXXX, account became deliquent. forclosure proceedings were commenced, and i decided on a short sale, which ended in XXXX, XXXX account was scheduled for sheriffs sale on more than one occasion but postponed on more than one occasion. afterwards, i requested a copy of my billing statements, due to the fact my payment ( s ) due, were incorrect. XXXX did not comply, and left the mistake on report as-is. also, i requested from XXXX, an itimized billing history for the life of the account. i received, instead, a spreadsheet of payments. this raised new questions, as i received a loan, from the commonwealth of pennsylvania, and the account was overpaid dramitacially. XXXX has failed on numerous occasions to provide me with requested documentation. i have brought this matter to experian 's attention on more than one occasion, over the past couple of years. i receive the response from experian the matter is frivilious. i recently brought the matter in regards to experian, to your attention. I received an email the issue was " updated '' in a matter of a couple of days after my complaint to you in regards to this matter. i am perplexed to the speedy manner of experians inquiry to XXXX. according to prior and the current experian reports, i have noticed " no change '' to my experian report. the forclosure proceedings, as well as the payment due, and the payment history, are all inaccurate. i have previously contacted both XXXX and experian in regards to this matter. both appear to " excuse away '' this serious matter

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 10/13/2016 about Debt collection (I do not know) with Medical Data Systems, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Medical data systems incorporated has put a collection on my credit report for a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (OH).
Issue: Trouble during payment process

Complaint: The previous complaint has not been addressed, us bank home mortgage violated the terms of the loan agreement when they paid county taxes in error. This was us banks error and came about because of the negligence of their employees. This problem has been ongoing since XX/XX/XXXX when I discovered my bank account had been XXXX for an additional {$170.00} beyond the payment of XXXX that was electronically withdrawn monthly. Us bank refused to return my XXXX and I closed the accounts at their bank. I continued to make mortgage payments, while attempting to resolve this matter with us banks complaint department. While this process was in motion I discovered several months later that us bank had set up suspense accounts and escrow accounts and redirected money from the monthly mortgage payments into these accounts to satisfy their original sin XX/XX/XXXX. My mortgage agreement is very clear concerning the payment of county taxes. I paid my taxes and the letter from XXXX XXXX XX/XX/XXXX states that. I have requested this document from XXXX XXXX be review by us bank since this problem was discovered. The last response sent from us bank states this document has been purged from their systems ( attached ). The letter from XXXX XXXX ( attached ) as well. Your bank offers 5 star service, yet fails to contact the customer when errors are made by Us bank which result in serious financial difficulty to your customers. Then after years of denying reasonability you state it was an " error '', " XXXX XXXX no longer works for the company '', " that letter is no longer retained by Us bank and has been purged from our system ''. Us bank paid taxes that were not due, us bank violated the loan agreement ; us bank mislead the CFPB with previous responses see attachments!

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 06-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I XXXX from XXXX college in Washington DC in 2009. I received my student loan from XXXX but sold to navient. I am having problem refinancing the loan. I can not even get the XXXX for my taxes. I do n't understand what type of student loan is that.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received alert from XXXX XXXX of an inquiry from CHASE, XXXX and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from Chase and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I asked to have all non-holding inquires removed off my credit report due to the fact that I did n't not give my permission to have my credit report ran, I request to removed them and send me an updated report showing they have been removed, and a lot of the inquires are on the same day from a car lot that I have never been to or talk with anyone that works there

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Please find attached a copy of a R.E.S.P.A. Qualified Written Request. 
Borrower has requested these items many times and was told by her local branch that TD Bank does not provide this information any more. This a violation of RESPA. 
Borrower has been sending in monthly checks in the total monthly payment amount or in excess of the monthly payment amount and has only watched her arrearages increase. In discussion with TD Bank 's Foreclosure representative, XXXX XXXX, he stated payments were being re-issued to the borrower but at the wrong address. The borrower was never aware of these TD Bank checks that were rejected for a suspense account and has always believed the payments were being applied to her mortgage, as confirmed by her local XXXX, MA TD Bank Teller. On XXXX XXXX, 2016, we also submitted a full financial package to be reviewed for a modification. We believe she would not be in this position as extensively as she is, if TD Bank had notified her of their reissuing checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX  , 2017 I co mpleted an application for property tax exemption with the  XXXX  County Appraisal District (  XXXX CAD ) and was approved due to a   XXXX   XXXX   VA  XXXX  rating.   XXXX  CAD provided me with a letter certifying that no property tax will be due for the    2017 tax  year. I contacted my mortgage company, AmeriHome Mortgage, to let them know on the  XX/XX/XXXX  an d requested an escrow analysis. The representative informed me to call back in four days and they would have an updated escrow analysis. I called back on the   XX/XX/XXXX  an d requested an update, the representative told me that my paperwork was inadequate but they had contacted  XXXX CAD for clarification. I was then informed to call back in  four  more days. I called back on/around the   XX/XX/XXXX  to re quest an update and was told by AmeriHome that I did not qualify for a property tax exemption and they had closed my request. I contacted  XXXX CAD and they confirmed that I was not required to pay the property tax and said to have AmeriHome contact them directly if they needed additional clarification. I contacted AmeriHome and requested a third escrow analysis, confirmed the information, escalated the issue. On   XX/XX/XXXX   I contacted AmeriHome again to request an update and the representative told me that the property tax department did not complete my request because they had already denied an update on the   XX/XX/XXXX   even thought they had new information from  XXXX CAD. I asked for a fourth time to have an escrow analysis completed, confirmed the property tax department have the information and was just told it was going to take another week ...     I have asked for this escrow analysis to be completed  four  times, calling in over and over again wasting my time for something that should be a simple transaction. I just want to have my tax records updated correctly so that I am not paying unnecessary funds to an escrow 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 02/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Customer service / Customer relations

Complaint: I received a PreApproval offer from Bank of America to get a cash rewards Credit Card with them. I hesitated and later decided to accept it. I accepted the off only because I was told by them that I was PreApproved, I was then denied. I am okay with not getting the card but now I am stuck with an inquiry that 's not attached to an account. I called today asking for a letter to have it removed because I felt that it was unfair to say I was preapproved and then deny me and leave me with this hard pull. I told the XXXX different agents that I spoke with that I was not upset but only wanted to have the inquiry removed. The first agent was nice and respectful but stated she could not have it removed by law and transferred me to a very rude and disrespectful agent. I feel that this is very unfair and unprofessional.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY 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 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and my signature was forged on multiple occasions to renew a lease on an apartment. This is not my debt, I never authorised the lease to be renewed, and I am not responsible for the repayment of a debt that was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Trouble during payment process

Complaint: I am submitting a response to  DiTech 's  comments based on a complaint submitted to the CFPB ... ( #  XXXX  ) I could not respond on the site online after the original complaint, because the computer would not allow me ; so I am submitting another complaint ....    DiTech  's response comments are distressing to me based on the following :   1. DiTech never answers any of my complaints but repeatedly states the same erroneous comments.
2. I have and am paying DiTech {$1000.00} a month which is well over the monthly amount requested with an " unapplied '' balance that consistently grows each month. DiTech never applies or discusses these $ amounts and only " uses '' them when they attempt to Default my loan and take my home .... ( subtracts these $ amount from the total they want me to pay to COME CURRENT ) 3.. Although I pay {$1000.00} every month ; every 2 to 3 months I still get a notice to Default to take my home with an elevated amount to pay at a specific date.. I   still have always complied either immediately or with the direction of a supervisor who corrects said amount to pay. It has ALWAYS been an amount to COME CURRENT ... Therefore, how within the ne xt 2 to 3 month s is that action to Default again attempte d by DiTech even though I never skipped a payment but have paid consistently OV ER and ABOVE the regular monthly amount paying {$1000.00} on a     XXXX   XXXX    m  o nthly bill.    4. I am paying an interest rate that is one # when I call and substantially higher when other companies research my loan. DiTech h as never tried to lower nor have they given me positive progressive ways to better pay off my mortgage. All I have gotten fro  m DiTech and its employees is negative harassing and aggressive tactics, pushing me to Default on my loan.
5. In response to this, DiTech keeps erroneously comm  enting on a   XX/XX/XXXX payment at t he beginning of my being Pushed into an account with DiTech in    2013, a  whole 4 years ago that I have paid off over and over again when they bully me to pay these large amounts to COME CURRENT and then in  the next 2 to 3 month s do the same thing. If I have COME CURRENT then I AM CURRENT .... My monthly statement should not reflect an extra " Pre/Post Dated '' month that I will be charged for with a letter in this vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are tax lien 's on my report. I have always paid ALL my taxes on everything. Was never notified by anyone that there was an issue until I looked at this report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief