milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA 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 03/14/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing lied to a Federal court and indicated to them that they were my Lender and held first position as Lien Holder.  Evidence showed that Ocwen was not my Lender but XXXX and Ocwen had submitted a Fraudulent Title search using their own personal Title company to do the Title search, submitted the Fraudulent Title work to XXXX, Director of FHA .  They then sold their Servicer Contract to XXXX, another Servicer, a couple of months or so ago when it was discovered that they had submitted a Fraudulent Title to the Director of FHA, XXXX who indicated to them not to pursue a Foreclosure on my Property because FHA had an invalid Lien on my Property..  It has been found that both Servicers pursued Fraudulent Practices in underwriting, processing, closing and Mortgage Fraud.  Both Servicers showed that they escalated the amount of payment $XXXX 0f money fraudulently and statements is evidenced.  Hence, I am asking that the License be suspended and Revoke of Ocwen Loan Servicing and XXXX and their Records all be Audit.  My phine number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (PA).
Issue: Managing the loan or lease

Complaint: Received un unsigned letter from Ford Credit informing me that they had unilaterally increased the amount of my loan by {$1500.00} due to a maintenance contract. The maintenance contract had been paid by a Visa card. I have the receipt. 
A company should not be permited to 1 ) increase the amount of the contract ( loan ) without prior approval. 2 ) should not be permitted to send out a letter such as this without a name, phone number and/or e-mail address to respond to. 
My understanding of the Dodd Frank legislation is to prevent things like this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had someone commit fraud trying to open an account with XXXX ( Chase Bank ). 
Once on XX/XX/XXXX then on XX/XX/XXXX. 
I called Chase, they said that they would rectify the situation but nothing was done. 
I put a fraud alert on my accounts. 
I filed a complaint id with CFPB on XX/XX/XXXX ( XXXX ). Your office immediately contacted me and said that they spoke with Chase and it would be taken care of. 
NOW ON XX/XX/XXXX, I again had someone attempt to open an account with Chase Bank via XXXX and again it was denied but now on my Credit Report it shows XXXX hard inquires with Chase! 
Today I received a " kit '' from Chase on identify theft with cc to you, Consumer Financial Protection Bureau : Complaint XXXX. 
Obviously, Chase is NOT doing their job as again I got another hard inquiry. What is wrong with this picture! 
I put a credit freeze on my credit reports but obviously it did not work!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by IQ Data International. IQ Data International does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. I sent IQ Data International a creditors validation letter to support their rights to collect a debt as a third-party debt collector in Texas. So, I checked the Secretary of State Texas Debt Collections Division website and found out that IQ Data International is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In my case against IQ Data International, they are not registered with the State of Texas proven they have the right to collect debt in Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Customer Financial Protection Bureau Supervision , Enforcement & Fair Lending Associate Director XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX OnXX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) alerting the CFPB of American Education Services egregious lending business practices and services. In my original complaint, I explained how I have exceeded repaying my original loan amount. However, AES fraudulent business practices provide for the creation of fabricated documents that restate loan closing terms and reflect invented terms and condition. This has resulted in AES restating usurious loan repayment conditions. For example, to date I have repaid approximately {$73000.00} ( of which $ XXXX has been paid in interest alone ) on an original principal amount of {$60000.00}. Still, AES claims I owe them {$53000.00}. This is usurious and at this point AES is willfully stealing money from me. In its response, AES through XXXX XXXX Vice President of Loan Operations ; represents that my obligation is represented in a document titled a Note Disclosure Statement. It is my position that this Note Disclosure Statement is a fabricated document prepared by AES to illegitimately substantiate claim to collect and in doing so, also prepared fabricated loan terms to further fleece borrowers. This dubious paperwork has been brought to light in recent NXXXX XXXX XXXX article that was published on XX/XX/XXXX. The article points out : Judges have already dismissed dozens of lawsuits against former students, essentially wiping out their debt, because documents proving who owns the loans are missing. A review of court records by The XXXX XXXX XXXX shows that many other collection cases are deeply flawed, with incomplete ownership records and mass-produced documentation. At the center of the storm is one of the nations largest owners of private student loans, the National Collegiate Student Loan Trusts. It is struggling to prove in court that it has the legal paperwork showing ownership of its loans, which were originally made by banks and then sold to investors. I have included a copy of this article that goes into further detail. It has also been announced that the New York Attorney Genral, XXXX XXXX XXXX is now looking into AES & NCTs business practices ( article included ). I encourage the CFPB to open an examination into AES business practices. It is my belief that a proper examination of AES would lead to deficiencies and conduct worthy of an enforcement action or result in a referral to the proper [ state ] attorney general or other federal authorities. Cc : XXXX XXXX XXXX Vice President Loan Operations - American Education Services XXXX, PA XXXX XXXX XXXX Assistant Director Supervision Examinations Consumer Financial Protection Bureau XXXX XXXX Assistant Director Enforcement Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX - I never applied for any car loans with XXXX and this should be removed - I believe someone must be utilizing my credit info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request via certified mail # XXXX ( " QWR Letter '' ). I enclosed XXXX exhibits labeled A, B, and C with the QWR Letter. 
The QWR Letter stated in part, " I am requesting all available information on each of the entries listed in Exhibit A ( copy enclosed ), including but not limited to : 1. ) What party or parties were paid each of the fees and costs removed ; 2. ) What services and/or products were provided by each specific party for the fees and costs they were paid ; and 3. ) What is the identity of each party or parties that paid or advanced funds for each of the removed items. '' Exhibit A identifies over {$23000.00} in FC ATTORNEYS FEES and ATTORNEY ADVANCES listed in Exhibit B " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. In its response letter dated XX/XX/2016 ( " QWR Response '' ) SPS stated, " In your inquiry, you requested information on various entries listed in your Exhibit A, which reflected the Expenses Paid by Servicer amounts. With regards to your requested clarification regarding the identity of the entity paid, the requested information is either proprietary or confidential ; therefore, we will not be providing such information. '' To this date I have never received any explanation outside of the frivolous QWR response letter from SPS regarding my QWR request about the more than {$23000.00} in attorney charges. This is curious since I have never been sued by SPS nor have I sued them as of the date of the filing of this complaint with the CFPB. Additionally, I have never had a judgment that included attorney fees awarded against me in any court action related to my home or any mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX XXXX, 2017 my wife and I went to the US Bank location on XXXX XXXX in XXXX XXXX, MO to move money from our checking account to a new CD. The bank representative would not do so unless we answered several questions to update our profile, including a question on income. In today 's environment of identity theft, we do not want any personal information exposed unnecessarily. I called US Bank 's XXXX XXXX number, and a banker there confirmed the bank 's position. We checked with another bank with which we have an account, and they confirmed that they do not require this information. It seems this is more for US Bank to market their products rather to be customer-focused. Had we applied for a credit product, we could understand the need for the information. However, this should not be required to move our own money.

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 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise. 

XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute with TransUnion on XX/XX/XXXX, it is now XX/XX/XXXX and they have failed to respond. I submitted through XXXX XXXX website. I have also written follow up letters, they responded by sending me a letter saying they did not understand the letter, that is ridiculous because the letter was very clear. It has now been over 90 days and still saying under investigation. It is preventing me from dealing with other disputes through XXXX XXXX. 
file # XXXX TransUNION

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 03/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been diligently pursuing a loan modification with XXXX and their servicing agent, Shell Point Mortgage, to avoid foreclosure. We have been working on this for almost a year now. Every time we reach the 30 day period that they have to review my information they send me a statement requesting the exact same information again. I am represented by an XXXX and they are as frustrated as I am. Now, I have been sent a letter declining my modification even though I qualify because they state that they did not receive the required information. I have email verification from them and their counsel that they did receive it, twice. I am now at a point where I may lose my home because their left hand does not know what the right hand is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/17 three negative references on my credit report by Gold Key Credit were reported to you. The vendor reported that they would prove my obligations or remove them along with any negative credit reporting. 
No information was received from Gold Key. A temporary increase in my Credit score was  observed while they placed the debts in dispute. The alleged debts have now reappeared as charge offs. I continue to dispute the validity of these debts and the company 's manipulation of my credit history based on unfounded debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 07/16/2017 about Debt collection (I do not know) with ConServe (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Acct #  XXXX **** ConServe claims I owe a debt of {$3000.00}. This claim is fraudulent and inaccurate, and it is being formally disputed.
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I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
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Be aware that I am making a final goodwill attempt to have you clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This will be our XXXX filing with you guys. As of today we have also hired a real estate attorney to represent us in State court. Our loan was originally with XXXX XXXX XXXX with underwriting when it got transferred to BSI. We were told BSI would pick up where they left off and complete our modification. Both my husband and I were previously laid off and fell behind on everything. We were only asking for a recapitalization. No debt to be written off. No decrease in interest rate. We were fortunate enough to find full time jobs again and I ended up making more money then before. We have submitted proof numerous times and they still decline any type of assistance. These people are the rudest most unprofessional people in business I have ever dealt with. There are numerous complaints about them on line and numerous people trying to get a class action law suit started. The only option they give you is foreclosure or short sale. We have been in our home for 18 years and all of our children have been raised there. We have provided proof we can afford even an increase in our house payment. I do n't understand why they would rather someone lose their house then working with them. Along with hiring an attorney today, we have also contacted the state attorney general, HUD and the housing authority. Our home is currently on the market for sale and is n't even released from the bankruptcy that we were forced to file and dismiss multiple time trying to work with BSI. Please investigate this company as they are ruining peoples life. They refuse to work with anyone. I wish our loan would of just stayed with XXXX XXXX XXXX.

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