milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, Experian or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my 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 explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Currently a discharged bankruptcy is being reported by Experian and XXXX after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX  2011.

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 03/20/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My wife & I had a FHA backed XXXX yr mortage serviced by XXXX XXXX XXXX, signed in XXXX, XXXX. We filed for Chapter XXXX bankruptcy protection in XXXX XXXX, including our mortgage in the filing. All mortgage payments & arrearages were being serviced per our Trustee 's Agreement on time, & without prejudice, even as we attempted to refinance our mortgage to a much more advantageous rate. We finally found someone to do an FHA Streamline on our mortgage, when we were informed that XXXX XXXX XXXX filed an insurance claim in XXXX XXXX against our FHA MIP due to our loan " being delinquent. '' Our mortgage was then " picked up '' by Caliber Home Loans, whom we were informed would be our new loan servicer. We were also told we no longer had an FHA Loan, according to Caliber. We have no idea how we could be taken out of our FHA loan-preventing our Streamline Refinance- & put into some " XXXX status '' as we were informed that our mortgage is now in. In addition, we are still paying FHA MIP payments in our mortgage payments on our mortgage since Caliber took over our mortgage, as well as we have yet to have our mortgage payments be reduced after a significant drop in our homeowners policy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I gave " FORMAL NOTICE '' to Wells Fargo that my property XXXX XXXX XXXX XXXX XXXX CA XXXX was under a Bankruptcy Petition filing with the Federal Bankruptcy Court of which I was fully aware that Wells Fargo 's trustee office was in receipt of my Bankruptcy filing. They violated the Federal Bankruptcy law by auctioning my home on XXXX XXXX when the Bankruptcy was filed on XXXX XXXX. I immediately call Wells Fargo and explained the unlawful action, they proceeded to open a full review and was send to recovery group and assigned to XXXX XXXX at XXXX XXXX XXXX XXXX ext XXXX I have been leaving messages requesting an update of the reversal on my home I have not gotten any answer it goes straight to voice mail this has been going on for almost a month they are playing games with the home owners. I strongly believe they have committed a crime, with this fraud committed they do n't have any rights to my propertyI want to file complaint against Wells Fargo for the deceitful, dishonest, lies and corrupt, fraudulent actions against home owners and for violating the Federal Law through-a-series-of-regulationsIn addition I perform a full review of the petitions and discovered that Wells Fargo failed to postpone my sale date on XXXX XXXX. I am very sure, Wells Fargo law firm is fully aware of California Bankruptcy laws and the automatic stay under XXXX XXXX XXXX. 
The Federal Bankruptcy Code contains a specific legal action against anyone who causes injury to an individual by a willful violation of the automatic stay ( 11 U.S.C. 362 ). The automatic stay is a court order that is immediately imposed when petitioner files a bankruptcy petition, whereby it prohibits anyone from trying to obtain the property. If someone violates the stay, bankruptcy code provides for actual damages, costs and attorney 's fees as well as punitive damages, if appropriate ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ). 
I am requesting Wells Fargo to reverse, overturn the sale of my home and stop playing games by making the home owners believe they are willing to help you and the ridicules appearance of assigning some person who will never care about your situation or get in touch with you. 
Thank You Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Home equity loan or line of credit) with DISCOVER BANK (OH).
Issue: Application, originator, mortgage broker

Complaint: I applied for a Home Equity Loan through Discover Home Loans and was denied due to the fact their appraisal found my home to be vacant. My home is occupied and can be easily proven. They did not allow to be to dispute this or ever send me a copy of the appraisal until after they had closed my loan. They have also disregarded all my documentation showing my residency and have not provided any information on why my house was labeled vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 requested an investigation into the following unknown and unauthorized credit inquiries listed on my Experian credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Experian credit report. 

Thank You For Your Time.

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 04/21/2015 about Payday loan () with SUN LOAN COMPANY INC. (NV).
Issue: Charged fees or interest I didn't expect

Complaint: I ask the sun loan to stop posting late notice on my fence so my neibors would no know issue. I advised them XXXX of my neibor had read XXXX of the notice. I would work on repaying them as soon I got another job. and also as how to stop the interest from going up more. Also stop calling my familey and adviceing them of my money issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Private student loan debt) with WELLS FARGO & COMPANY (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a follow up complaint to Claim Number XXXX. I received a letter from Wells Fargo indicating I was contacted by phone On XXXX XXXX,2008 and  verified information as a co-signor on a Private Student Loan. I have asked for more details on the telephone conversation since I do not recall having such a conversation NINE YEARS later.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.

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 06/28/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Adding money

Complaint: I had an over charge from my insurance company XXXX XXXX. I filed a dispute, for the overpaid amount. I was called by Bluebird and told that I would not get a provisional credit. I was then in contact with XXXX XXXX, who told me they sent the whole amount of the bill paid back to my card on XXXX XXXX, XXXX. I still have not received this refund. I called Bluebird AMEX every day since XXXX XXXX, and each time I am called I am told a different story. It takes 3-5 days to process refunds. Then it takes 8 days for AMEX to process refund. Then I was told that my dispute was closed without ensuring that I got a refund. That it would not be until XXXX XXXX, XXXX before I could get any more information about this dispute from them. Then I was told that my dispute was closed on XXXX/XXXX/XXXX. When I tried to open the dispute again, I was told that the dispute was not closed but the provisional credit was. Then I was told that AMEX Bluebird talked to XXXX XXXX last on XXXX/XXXX/XXXX, which is impossible since it was a Saturday, and the corporate office is not open. I was also told that AMEX was told by XXXX XXXX, they were processing a refund. I asked for a corporate office number and they would not give me one. No one is trying to help me resolve this problem. I was also told that XXXX XXXX is the reason that I was declined for the provisional credit. I am not understanding why? How can XXXX XXXX dictate AMEX Bluebird policies. I orginally filed my dispute on XXXX XXXX, XXXX, and it should be resolved way before XXXX XXXX, XXXX. It 's like they closed the provisional credit, and opened another dispute to extend the 45 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am being foreclosed on by Caliber Home Loans on XXXX XXXX, 2016. I am requesting information regarding my mortgage because i know that their are errors due to fraud, forgery, improper securitization, falsified assignments, robo-signing, predatory lending and many other defects. I have been asking for information for years. I also received confirmation from the federal foreclosure review that their were frauds and predatory lending for my mortgage. The original servicer XXXX is guilty of the same stated issues and when I have requested information because of the errors, I have been given the wrong/fradulent accounting. I requested a securitization audit for my sub prime adjustable rate mortgage and have been given inaccurate information. XXXX transferred their servicing to Caliber and Caliber tells me they know nothing about the defects, frauds, failed assignments, improper securitization etc. My mortgage was transferred to caliber with accounting errors, interest errors, and other defects. I paid XXXX of dollars to this mortgage and arrearages in a federal bankruptcy and those dollars paid in bankruptcy towards my subprime mortgage have not been properly applied. The fees and arrearages just kept increasing. I contend I am being foreclosed on and the mortgage amount has errors / is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with Southern Management Systems Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however, found that they were non-compliant as per the FCRA and CROA requirements

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 07/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with OLD NATIONAL BANK (KY).
Issue: Can't contact lender or servicer

Complaint: My bank is Old National Bank. XXXX XXXX app is not partnered with that bank and it 's causing some difficulties

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i do not know whos debt it is, i have sent resurgence the police report and identity theft afidavit via fax and certified mail to the address given by the agent. and the address on my credit report. i have spoken with the commpany on many occasions about this and they have continued to run me around agents names are XXXX and XXXX, which im sure are fictional names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (NM).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Dear CFPB. Thank you for being there. I was responsible for approximately {$80000.00} in Student Loans. In XXXX, I lost my job and my house. I worked with the student loan lender at that time ( XXXX XXXX XXXX XXXX XXXX ) to work out a solutions. As we worked towards a solution, the interest on the load increased with everything they did. Eventually, they turned the loan over to the Treasury Department to have the payment deducted from my Social Security Account. For nearly two years those payments were deducted from my Social Security Account. In XXXX of XXXX I was informed that the responsibility for the loan had been transferred to ECMC. With added interest, the amount due was then about {$240000.00} - four times the original loan amount. The deductions from my Social Security Account stopped for six months. After six months, ECMC turned the collection over to the Treasury Department. Again, the Treasury Department began deducting the payment amount from my Social Security Account. As of this writing, three payments have been so collected. However, ECMC has continued to call and write me. I see no reason for them to continue to do so. Here 's their most recent email : ============================================================ Date : XX/XX/XXXXECMC Account # :XXXX Dear XXXX XXXX My name is XXXX with Educational Credit Management Corporation ( ECMC ), the guarantor of your federal student loan. You may have received a letter from us recently regarding the default status of your loan ( s ). Student loan default can have negative consequences. The U.S. Department of Treasury may seize your tax refund on behalf of the U.S. Department of Education, you may be subject to a portion of your wages being garnished, negative remarks on your credit report ( s ), and while in default, you are not eligible for any federal financial aid. We are here to help you! Please call me today and we can find the right solution for you. We will work together to establish an affordable monthly payment based on your financial situation. Please call me today at XXXX. Due to the time sensitivity of this matter, please act now before time runs out. Sincerely, ECMC www.ecmc.org/XXXX  ============================================================ I am also attaching the most recent informational mail piece from the Treasury Department indicating the deduction of last month 's payment. Please let me know if you need any additional information. Thank you. 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
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.

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 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Linebarger, Goggan, Blair & Sampson LLP have sent documents demanding {$290.00} for nonpayment of approximately {$15.00} ( as best I can tell ) of unpaid tolls. Tolls should have been paid through my toll tag account as per their billing police with XXXX XXXX XXXX XXXX Repeated attempts to resolve the issue have not been productive. I am continually told to call somebody else or put on hold. Asking to speak to supervisor does not work it appears they simply find a phone to pick up and lay on the desk with no answer ( I can hear voices speaking in the background but nobody on the phone. The agency refuses to give me a reason for why tolls were not billed or I was n't notified of the issue. Instead they try to shift responsibility to their client despite they themselves giving their own phone number for resolution. I 've stated repeatedly that my purpose is to find a reasonable accommodation that simply does not amount to extortion, but have not desire to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation