milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with Selene Finance LP (FL).
Issue: Struggling to pay mortgage

Complaint: I have been applying directly, for hardship assistance with this Servicer ( Selene Finace ), since XXXX of XXXX. 
Previous to that, I retained legal counsel to assist me with the process. 
I have provided all items requested multiple times, yet have had no success with being reviewed properly, for hardship assistance. 

Despite cooperating fully, I have not been able to communicate with the assigned Relationship Manager, XXXX XXXX XXXX. 
Servicer has set several Judicial Sale Dates, claiming that I have not provided information in a timely manner.

Servicer also submitted a denial letter ( dated XX/XX/XXXX ), claiming that I had been reviewed for assistance, but had insufficient income, as well as too much debt, to qualify. In reality, Servicer utilized erroneous information, possibly from another applicant, and has not reviewed my financial information correctly. 

I challenged those findings unsuccessfully, yet Servicer refused to review their decision, or cancel the scheduled Sale date set for the following day, XX/XX/XXXX. 
I was successful in canceling and having the Sale rescheduled to XX/XX/XXXX. 

I submitted all the supporting documents requested by Servicer, and none were reviewed. After numerous inquiries and internal escalations, I was informed by the Servicer, that my application would not be reviewed, due to there being insufficient time to review ( less than 37 days before scheduled sale date ). I was then reassured that if I could have the Sale Date postponed, Servicer would permit me to submit a new application, and that Servicer would properly review my application for all available options.

I was successful in having the Sale rescheduled to XX/XX/XXXX. I then prepared and submitted a Hardship assistance application, as instructed, to Servicer. ( see below ) Mail to : Selene Finance LP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Or Fax to : ( XXXX ) XXXX Or Email to : XXXX I submitted the documents and information by email ( XXXX ) on XX/XX/XXXX - 39 days before the scheduled Sale Date of XX/XX/XXXX. One week later, I followed up with Servicer. Servicer claimed to have no record of receiving my application. 

I was advised to resubmit on that day ( XX/XX/XXXX ), and informed that the file was escalated. I submitted the application to XXXX as instructed. 
I then called again on XX/XX/XXXX, and was again advised that no record of submission existed. I was advised to submit again that day, for an expedited review. I submitted the application by email to : XXXX, XXXX, XXXX, and XXXX On XX/XX/XXXX, i again called Servicer. I was told that no record of a submission existed! I submitted once again, while the rep claimed to be monitoring the Inbox ( XXXX ). I asked for a callback from XXXX XXXX XXXX - as I've done multiple times, yet to date have not received a response. 

This Servicer has not acted in good faith, and I am pleading for your intercession.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Stephen Einstein & Associates, P.C. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX VIA FAX XXXX 3 PAGES XX/XX/XXXX Docket Number : XXXX  Index Number : XXXX Docket Number : XXXX Index Number : XXXX Dear XXXX XXXX ; I am in receipt of the two notices of garnishment received by regular mail Tuesday.

Please be advised of my interaction with Stephen Einstein & Associates and respond accordingly. I will have this order vacated based on the fraudulent activity of that firm. After receiving a collection letter from them and making contact in XX/XX/XXXX, I had several disturbing conversations with a XXXX XXXX from Stephen Einstein & Associates regarding XXXX XXXX XXXX XXXX XXXX. Based on his grammar, unprofessionalism and telephone demeaner, I pretty much determined this was some type of scam. XXXX XXXX then began harassing me via telephone. I have continually asked for proof that this debt is indeed mine, on the telephone, by snail mail and email. XXXX XXXX XXXX XXXX Debt was NEVER mentioned in all that time or any of these conversations.

I then contacted the firm via email, asking that XXXX XXXX stop harassing me by telephone and that I be provided with the proof Ive been demanding for over a year. XXXX XXXX at Stephen Einstein replied to my email promised the calls would stop and I would be provided with documentation. THIS NEVER HAPPENED AND I NEVER HEARD FROM THEM AGAIN.

Further confirming my suspicions that this was fraudulent. To now find they have sought not just one but two judgments is absolutely dumbfounding. This truly seems to be punitive, this firms is harassing me based on my insult to XXXX XXXX and his terrible grammar -I still dont believe he is a lawyer. Maybe he is acting alone, but his behavior is not only egregious its fraudulent.

I was never served, never given the opportunity to defend myself, and I was never presented with the evidence against me.

Please contact me regarding my next step in vacating this fraudulent judgement and subsequent garnishment.

Sincerely, XXXX XXXX CC : Stephen Einstein & Associates via email XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Regarding a fraudulent Capital One credit card account that I have been fighting since XXXX, 2015. I sent Capital One a notarized ID theft affidavit back around XX/XX/XXXX/XX/XX/XXXX. They claim that it 's my responsibility when I did not authorize anyone to open the account. However, I am suspecting it is a family member who did reside at my home from the time the account was opened and then used. Unfortunately, I am unable to contact this relative, nor have any of my family members had such luck. Yes, he did reside at my home, yes he did have access to my personal items such as cellphone, computer and filing cabinet, and it would not be his first time committing fraud. Capital One has failed to recognize this instance, in a time that we are living where ID Theft is astronomical in crimes committed. I also want to add that I have fought this account with the credit agencies and had it removed, however, Capital One has gone ahead and reposted this account. I am willing to fight this fraudulent account to the end, and will pursue legal matters against Capital One until my name is cleared. Finding and prosecuting my relative is a bit more trying. The account number is XXXX. I am going to file another complaint with the XXXX as well as the FTC and Virginia State Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: federal tax lein that does n't show paid or released. 
state tax lein that does n't show paid or released. 
collection account that i have no knowledge ( no contract ) of from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Inflated amount used on card. Actual amount spent is XXXX. Card is XXXX higher than would is actually spent. In addition to rerouted statements and inflated bills.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Medical) with AVANTE (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I CONTACTED THEM FIR A SETTLEMENT DUE TO XXXX OVER THREE MONTHS AGO AND HAVE NOT BEEN GIVEN A DECISION YET.

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 12/21/2015 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I contacted you regarding a bank going into my credit report without me having any relationship, EVER with the bank. The case number which you gave me was XXXX. The case was closed out. The problem is that to date- XXXX/XXXX/15, the Compass Bank of XXXX XXXX Alabama has not initiated the process to remove their credit inquiry from my XXXX XXXX credit report. I spoke to XXXX XXXX on XXXX/XXXX/15. They reiterated to me that it is a very simple process for Compass to do. However, Compass lied to CFPB as well as me that they would be initiating the process on XXXX/XXXX/15. XXXX XXXX has n't received anything from them. The inquiry is still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans gave me a courtesy call after the denied my last claim XXXX. The representative was very nice,, but had very little information regarding my case. After more than 40 minutes on the phone, she advised me that my escrow balance we incorrect because I did not make a payment in XXXX. I was also told that my escrow account was converted to a ancillary account. I went back to the office and researched my bank records, and I did find my XXXX payment which had cleared. I did call back Caliber Home loans the next day, after i was transferred to 3 different representatives and verified my billing address the same number of times, I spoke to a representative named XXXX, employee number XXXX. After 20 minutes on the phone, I was told that the XXXX payment was actually made and the previous person did not dig deep enough. 
I asked XXXX that Your monthly payment for Principal and Interest ( P & I ) is {$790.00}. You made a payment on XX/XX/2016 of {$1200.00}, with {$400.00} going to escrow and you made another payment of {$1200.00} on XX/XX/2016. You later made a payment of {$1500.00} on XX/XX/2016, with {$700.00} going to escrow and another payment of {$1500.00} on XX/XX/2016, with {$700.00} also going to escrow. Therefore, you believe four ( 4 ) payments, totaling {$2200.00}, should be deducted from your escrow balance. The past due escrow of {$8500.00}, less the {$2200.00} should leave {$6300.00}. 
I asked him how XXXX got their balance and he responded " That is just the way it is '' I was also told that I need to call the escrow department, that he did not have any numbers to help me, I told XXXX, that my account was switched to Ancillary and XXXX told me that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with EARLY WARNING SERVICES, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to XXXX and reported that I had identity theft and that my accounts and debit/credit cards had been compromised.. I only use XXXX banks and dont ever recall opening up a XXXX account.. I was told that I had an account and that I abused it.. Due to the stress this identity theft has put on me I didnt argue I just told the guy how can I fix it immediately.. He said I had to pay the debt owed.. Long story short I paid at and made them aware that me paying it doesnt mean that I owed it and that I needed of off my report.. He told me ok aand in addition I should still dispute it and get a police report.. Which I did.. I wrote EWS a dispute and asked them to VALIDATE the information and send me copies of my documentation they have regardling this listing that bears my signature and also asked them to delete the info from under my social security number. I have yet to recieve any of this info and its been well over 30 days. I also want the names addresses and telephone numbers of the people they contacted at XXXX ... There may be identity fraud involved. I am aware of the XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 )

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (RI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I continue to get calls from some company about a " file against me ''. They refuse to send me a verification letter, as well as give me a physical address so as to send a C & D letter. This seems to stem from a supposed payday loan. They are also calling family members.

Company response to consumer: Untimely response
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Both myself, family members, and employer have received threatening phone calls from Weiss and Associates stating I will be arrested in 72 hours. I contacted the original creditor and the authorized debt collector who informed they have no affiliation with Weiss and Associates. Their persistent harassment has upset me and my family. I lost control when I spoke to them last because they are not legitimate and have obliviously obtained my information through public records. The SS # and email they have do not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My  XXXX  2017 payment was due on   XXXX   XXXX   2017.   XXXX   XXXX   XXXX   is a Sunday. I mailed my payment from  XXXX  on   XXXX   XXXX   a Tuesday to   XXXX   XXXX   Mo. I understand the mail is erratic but it seems that 4 days should be sufficient US Bank says they received the payment on   XXXX   XXXX   2017 a Monday. I called customer service to remove the late charge of {$27.00} saying the due date was a Sunday and to please offer a courtesy considering it was received on Monday   XXXX   XXXX  . I was refused. I asked to speak to a supervisor but no one called me back. I feel US Bank is just trying to collect fees and that the  XXXX  is ex orbitant

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 09/14/2015 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Bank of America ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Bank of America said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This occurred from XX/XX/XXXX-XX/XX/XXXX The company is Seterus INC of XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. Seterus has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( Seterus ), and even had a credit helping agency work on our behalf, but Seterus will not remove it, and it is false and erroneous.

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 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Transunion and I was unsuccessful with speaking with someone on this matter. Can you please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the above account. 
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 accounts that you are reporting on my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD

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 11-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have multiple loans that were reported delinquent by Nelnet, past the 120-day mark, while I was still meeting all enrollment requirements to defer my payments. This has left my credit severely damaged. I have proof from my University that I was enrolled during the alleged delinquency, and have submitted dozens of requests for review of my dispute. Nelnet only accepts disputes via fax, which is an absurd limit on the capabilities of communication for something so serious. It took them months to finally reply, only to reject my dispute with very vague reasoning. 

My credit has been majorly impacted for these delinquencies that should never have been triggered in the first place. These reports need to be removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They are reporting old address on my credit file that were never mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation