milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2016 about Mortgage (VA mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (WA).
Issue: Settlement process and costs

Complaint: Borrowed {$240000.00} to consolidate credit cards and mortgage loan ( # 1- {$220000.00} XXXX XXXX pay off # 2- {$12000.00} XXXX XXXX pay off and # 3- {$6700.00} XXXX card pay off. 
First American Title payed {$6000.00} or {$680.00} short for the XXXX card by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX, 2017 and I have not heard from XXXX or XXXX at all regarding these matters. Additionally, Experian 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a  violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

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 07/13/2017 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: I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all   XXXX   credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid 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 non-monetary relief
Consumer complaint received 01/17/2018 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I CHECKED MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX. IT HAD AN UNKNOWN COLLECTION REPORTING FOR {$79.00} FROM A COMPANY CALLED XXXX XXXX XXXX. I CALLED THE COMPANY ASKING ABOUT THIS UNKNOWN COLLECTION ON MY ACCOUNT AND THE REPRESENTATIVE TOLD ME THEY DO NOT HAVE A COLLECTION UNDER MY NAME OR SSN. I ASKED THE REPRESENTATIVE TO SEND ME SOMETHING TO SEND TO THE CREDIT AGENCIES AND HE REFUSED. THIS ITEM DOES NOT BELONG TO ME AND IS HURTING MY CREDIT. PLEASE HELP ME IN REMOVING THE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, My credit rept. shows a mortgage with XXXX, I do not have a mortgage with XXXX. Our ONLY mortgage is with : XXXX XXXX XXXX XXXX 
loan # last 4 : ... ... XXXXplease update your report ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (VA mortgage) with UNITED SECURITY FINANCIAL (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: United Security Financial Corp has selected " XXXX '' to service our VA mortgage after years with another firm. We are paid by the govt every XXXX of the month and have been making an electronic payment from our bank on this date throughout the term of the loan. We have NEVER missed or late on a payment. Their agent, XXXX, has now initiated debt collection calls on the XXXX and informed us that they will continue to harass us on the XXXX of every month hereafter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

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 07/28/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My checking account was compromised by one of the tellers at the Citizen 's Bank, XXXX XXXX XXXX location in XXXX. I had someone deposit money into my account. The teller in XXXX  gave the person making the deposit a receipt with my balances on it. Which is a clear violation. When I contacted the bank the woman said she was the teller and there was no manager at that branch and she terminated the call. I have receipt she gave gentleman who made the cash deposit into my account and can fax or attach to an email.
{$100.00} deposit was made at Citizen 's Bank XXXX XXXX XXXX XXXX Wednesday, XXXX XXXX, 2017 XXXX Teller Number : XXXX Bank : XXXX XXXX : XXXX Transaction # : XXXX Desired Resolution : Applicable FTC Fines be paid to me and I would like not only to be compensated for the banks error I would like them to formally apologize and to ensure it Never happens again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Data Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Financial Data continues to report a collec tion account from   XXXX   XXXX   on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against  Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called  Financial Data a nd spoke to a guy named  XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Our XXXX company is being harassed by Brown & Joseph , LTD to pay liability insurance costs that have already been paid. Their client failed to initially contact us regarding the matter, but instead contacted our insurance agent 's assistant via email. That person retired, so the emails were n't being read. We never were contacted about the problem, until it was turned over to this collection agency, Brown & Joseph, LTD ; and then that contact was not to us but rather the insurance agent who was overseeing the assistant who retired. In fact, we never received any correspondence until we complained of not being personally contacted. Joseph & Brown, LTD has refused to give us a sufficient explanation/ evidence as to why we owe their client additional money, even though we have asked. We have given them all the documentation they have asked for, but they refuse to send us a breakdown/evidence as to why we owe this money. We are willing to pay what we owe, but only what we owe, if we are given the proper reason/breakdown/evidence as to why we owe the ADDITIONAL money. The representative for this company has used threatening language and tone ( going to go to court, etc. ) and even hung up the phone on my husband twice. The tactics and lack of initial communication regarding this matter is shameful.

Company response to consumer: Closed
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity Properties Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On or around  XXXX   XXXX ,  XXXX  I was notified by   XXXX   XXXX   XXXX   XXXX  that  XXXX  had posted a collection notice  to Fidelity Properties fo r a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding ? Two other  charges from the clinic where covered.     After contacting  XXXX  a nd Fidelity I was to ld they had sent any letters to me of which I never received. After MANY hours searching I found out  the Dr., Fidelity  and   XXXX    HAD TH E WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee wit h Fidelity  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with m y Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with  XXXX  an d Fidelity and hav ing my address corrected and was told by both that this collection would be removed and my  Credit Score would b e CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?

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 10-12-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am frequently called by Harris and Harris at my home landline. They leave a vague message of attempting to collect a debt [ no name of who they are attempting to contact ] with instructions to call a number that is a long distance number. Even if I answer the call direct when I am home it is the same recording to call the number back. This has gone on all of 2016 and almost every day of a given week. I initially called the XXXX number to ask to be removed from the system robo-call or whatever it is. The line leaves you on hold incessantly and runs up time and I hang up. I have no debt or owe anything that would be in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I filed for bankruptcy in 2016. The lawyers office notified all my creditors and the bank. My bank at the time was Bank of America. The bank allowed XXXX to retrieve the funds from my account during the bankruptcy and left my account in a negative state. The lawyer 's office faxed the bank over documents to show that nothing is to be paid until we go to bankruptcy court. The bank still allowed the transaction to go through and now I 'm left with a balance of over {$900.00} and a mark on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I'v had some identify theft several years ago with the address of XXXX XXXX XXXX XXXX in XXXX, XXXX. I 've also had the wrong address of XXXX XXXX in XXXX, XXXX. I 've never lived at any of these addresses and I 've reported it on more then one ocassion. Also there are several phone numbers on my credit report that are n't mine. My phone number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid thisXX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :

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 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I got an email about 2 years ago from XXXX XXXX that my student loan was defaulting to my surprise. I reached out to them immediately. When I called at them they told me my account had been suspended and turned over to the default resolution group and to wait for them to contact me. I checked my credit report cause I thought I had just recently had re set up payments, and it even was reported I made the 6 previous payments before this issue. I called back and explained the situation and even offered to pay  whatever outstanding there was. They told me there was a note attached to my file saying I couldnt make payments and to wait for the default resolution people to contact me ; so I waited. They never contacted me and my loan continued to collect interest and damage my credit score. Finally I reached out to them a year and half later. The first thing I offered to do was pay them XXXX $ because thats what they said the outstanding balance was and they still told me I couldnt. They had me fill out debt consolidation forms to get my out of default only to find out from the next agent I spoke too a week later that this special type of loan would never qualify for that process. After talking to several people and asking for supervisor after supervisor I finally spoke to someone who told me that my loan cant go through default resolution because its system isnt set up for this type of loan and basically Ive been waiting under their guidance for something thatd never while they collect interest on my account. Im just trying to get this resolved so I can repair my credit score and settle this last loan. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Application, originator, mortgage broker

Complaint: Good Morning, I have been working with FIRST NATIONAL BANK company employee named XXXX XXXX details are below. First i got introduced through the listing agent of the house XXXX XXXX, Since we liked the house, i went to my bank XXXX. 

They denied my application stating that if am a self employed or having my XXXX less than 2 years i wont qualify as per XXXX XXXX guidelines. 

XXXX XXXX NMLS # XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Cell XXXX Fax XXXXXXXXXXXX I told XXXX the samething about my employment status, He asked me to provide all documents despite of my situation and i gave all possible documents back in first week of XXXX, he took nearly 20 days long and denied my application again he asked my profit/loss summary from my company asked my CPA to produce documents, which she provided. Again he told me my application is denied. Again he told me if i were a XXXX and worked for the current client, he would make it possible, again he came back to me asked me to Dissolve my XXXX and get a letter from my CPA. my CPA again wrote second letter and again he comes back and says my application is denied after 45 days of drama. My question is when i told my current situation of my employment, he should have told me right on my face its not possible. 

He and the realtor are good friends, they were trying to get my initial deposit XXXX and again asking me to give another XXXX made me to fall on me on this messy trap. During the initial he asked me to do inspection and he took money for my credit application and appraisal. Why did he do all this, when there is a well laid plan by XXXX guidelines. During this entire process i worked with several lenders, the all denied in same day, XXXX, XXXX and XXXX as well. Because of your careless staff, the sellers are threatening me saying they wont give me XXXX dollars back, below expenses occurred due to your inefficient staff. To summarize. 

1 ) Several hours loss of pay from my work. - not counted yet 2 ) Paid for inspection - XXXX XXXX ) Paid for Appraisal - XXXX XXXX ) Given Lease breakage XXXX XXXX ) Given XXXX Deposit for escrow - XXXX XXXX ) Paid CPA to write letters for doing work during weekend several times This whole process had created a mental trauma for me and my family, also we had give a notice to vacate our current place. 

Please advise i want to handle this professional way, so that you or your bank does not get any name-fame issues. After all this he is forwarding my information to another lender.. ITS Total loss for me and my family. 

Regards, 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