milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Sirs : I am in receipt of a mendacious notice from Select Portfolio Servicing, alleging that it is the SERVICER of the mortgage covering my residence and that ( falsely ) I have violated the requirement that " hazard ) ie Homeowners insurance be maintained. Since on XX/XX/2017 I changed carriers I would have ordinarily politely provided a Declaration page from the new policy. However knowing the historically abusive and illegal conduct of that company and that is conducting business under a Consent Degree I read more carefully. 
As XXXX and other major financial entities have done repeatedly to hundreds of thousands of unwitting consumers, the letter threatened to " forceplace '' such insurance at hugely inflated premiums However, Here is the punchline : Select Portfolio demanded that I concur in a loss payment endorsement naming it.althoughit hase no right to do sounder the terms of the applicable documents In fact, Select Portfolio has insisted several times in writing ( I never converse ) that the owner and holder of the said mortgage is XXXX I have thus provided in the endorsement. 
It is evident that Select Portfolio was engaged iun an attempted Larceny by False Pretenses and other tortious conduct. Having never observed the mechanism of the CFPB in such a bald illegality, Ihave determined to submit this complaint to your good offices I have no impediment in providing data and documents at your request 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 09-12-2016 about Debt collection (Auto) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a certified letter to Harley davidson financial on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Harley did not supply the info within the 31 days required by law validating the dispute. Also in this time, there is a hard inquiry showing that Harley was notified that was disputed also. this was not validated in the 30 days either

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (WV).
Issue: Account opening, closing, or management

Complaint: Approximately 3 years ago I opened an account with Huntington bank and have been in good standing with them until recently. On XXXX/XXXX/2015 Huntington Bank allowed and unauthorised transaction to take place for over {$1700.00} by XXXX XXXX a car. In no way, shape or form did I authorise this transaction nor anywhere in the area remotely close to that amount. Moreover I specifically went to see my personal Banker about one month prior to this transaction and personally opted out of any overdraft protection for fear of something like this would happen. As soon as I caught the fraudulent transaction I immediately contacted the bank. After a week or so I went to see my personal banker and he made some phone calls regarding the travesty, I do n't know who he was speaking to but he did remind whoever it was that I had no overdraft protection, and made reference to a small transaction sometime ago at XXXX which was denied due to insufficient funds. He actually was arguing and at one point, pointed out about how a small grocery transaction could be denied but yet a {$1700.00} could slip through. For whatever reason the person on the other end, cut the conversation short, and I was given an excuse for them allowing it. It through me into such a daze, I cant even remember what exactly was said. I formally disputed the matter sending XXXX XXXX several document via email showing what it was XXXX had been doing. Long story short both the bank and XXXX had been making banking mistakes and I should not have to be the one paying for it. I have struggled most of my life from XXXX issues which in turn caused me problems to ruin my credit. I have been doing well for several years now and have been making some headway in trying to repair my credit, I wanted to try and buy a home here as a first time home buyer but now I cant even get a car loan. It has brought me to the point of XXXX because of all the financial hardships Both Huntington and XXXX have caused, I would never authorise and amount that I could n't cover and every single time I called XXXX, I made XXXX well sure the money was there at the time to cover it, as I did with all business. 
I returned the car in better shape than it was when I rented it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

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 03/30/2016 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 have disputed this many times the credit burerau finally said they needed supporting documents, so I uploaded my 2009 Taxes return showing the XXXX owned be a return. They need to show this as a WITHDRAWN TAX LIEN!! NoT a RELEASED!! 

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 non-monetary relief
Consumer complaint received 11-11-2016 about Debt collection (Payday loan) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was making payments on the loan and finished paying it off a year or two after loan was paid i was receiving calls that i still had a balance on the loan which was paid in full

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 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Credit application was submitted in my name. Without my knowledge. As a result credit inquiry was added to my consumer report. I have contacted Pentagon FCU on several occasions. The following date of inquiry was XX/XX/XXXX. I filed a police report XX/XX/XXXX due to identity theft and have been trying contact all companies that have had a credit application in my name.

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 12/14/2017 about Debt collection (Other debt) with Radius Global Solutions LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company appeared on my credit XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. 
When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.

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 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I needed a credit report for a state bar application and I chose Experian. Their records were not current in some instances and so I submitted a dispute. This was resolved but the closure dates on XXXX accounts changed from the original date that each creditor had on record to the date of the dispute. I filed a second dispute to correct this issue and the dates merely changed to the date of the new dispute and did not reflect the original date of closure. For XXXX days from XXXX to XXXX I called Experian and the XXXX card companies getting conflicting information and endless blame shifting and stone-walling to correct a simple record-keeping error. The credit card companies also informed me that disputing inaccurate information would harm my appearance of creditworthiness! Experian refused to consider that both XXXX and XXXX had the correct dates and that the card companies had never changed these dates and had consistently reported the correct and original date of closure in all three instances. The changes were happening only at Experian and they gave me conflicting procedures on how to 'change the date back to the original date, ' a problem that only ever existed in their system. The card companies happily offered to send letters to me with the original dates, but could not send an update to Experian because their own records already reflected that they had sent the proper updates, including the original closure dates. There was no change to be made 'in fact ' only in the record keeping of this one reporting agency. Each time I spoke with Experian the procedure for fixing the issue changed. I only wanted accuracy and honesty for the benefit of my bar application. Little did I know I was harming my credit by filing disputes on long since closed and good credit accounts. This is an ongoing Orwellian nightmare, and if it is not soon resolved it may harm my bar application process!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have an issue with my Transunion credit report. 
I am trying to understand my credit rating, ever few months it takes a dip of about XXXX points for no reason that I can see. I have a monitoring system and it shows no changes as far as opening new accounts or credit inquiries. As a matter of fact several inquiries have fallen off with time. With several more to come this month. Yet my score continues to fluctuate. I went from a XXXX in XX/XX/XXXX to XXXX in XXXX by my XXXX report. I am curious as to why? It also did the same thing last XX/XX/XXXX thru XX/XX/XXXX. It went from a XXXX to a XXXX. Why? And back up to the XXXX in XX/XX/XXXX. 
Also during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$250.00} on XXXX {$260.00} on XXXX {$150.00} on XXXXXXXXBut it shows up as a payment of {$41.00} for the monthAlso during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$100.00} on XXXX {$300.00} on XXXX {$270.00} on XXXXXXXXBut again it shows up as a payment of {$41.00} for the monthXXXX XXXX says they have reported the correct amounts. 
All my bills show on time payments. 

Please explainThank youXXXX XXXX Mo. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Medical) with The Affiliated Group, Inc (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed a derogatory medical reporting on my credit bureau and called XXXX at XXXX EST and spoke with a male names XXXX XXXX He stated this was a debt from XXXX. I advised its a small amount happy to pay but need proof of payment. XXXX state they did n't provide and write letter of PIF. 
I advised need this to confirm I paid off this debt and to whom the debtor was paid off to and for. Rep refused this information. 
I said then in this case I am disputing the debtor per my Right under the FDCPA to confirm the debtor in which I 'm paying and to whom is demanding the debt be paid to. Representative refused. He stated they only have to comply if request is in writing and that I have owed this bill long enough and should need anything further to pay it. 
I reminded him that FDCPA states if requested VOD must be provided if requested. I informed him I would be reporting this to CFPB and requested a supervisor if he will not process vod request. He transferred me to an empty voicemail with no ID. I left a message and am now submitting this complaint. 
also REMOVE FILE FROM MY credit BUREA AND CLOSE BACK TO THE ORGINAL CREDITOR FOR PAYMENT.

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 11-03-2016 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (OR).
Issue: Deposits and withdrawals

Complaint: I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.

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 monetary relief
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: In his XX/XX/XXXX letter, XXXX XXXX stated : " Over the next few months we will be introducing enhancements to improve how we communicate with our clients. These enhancements will include a new Mobile Messaging feature and an enhanced XXXX Chat experience. As part of that plan, we have disabled the send a new message option on Citibank Online effective XX/XX/XXXX. Please visit Citis contact us page for other contact options. We are working to continuously improve the Citibank online experience and will be reintroducing a new way to message with us in the near future. We apologize for any inconvenience this has caused you. '' Citibank will be reintroducing a new way to message in the near future. When is the " near future. '' What is the specific DATE that Citibank will be reintroducing a new way to message?

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 02/15/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Delinquent account

Complaint: a fraudulant card belonging to GAP XXXX is being listed on my experian credit report for the past 10 years despite a lot of calls to ge money bank no response has been given except that ge money is sold to synhrony bank so contact them and they have no knowledge of acct pls help me to get this removed

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am victim of Identity theft and SunTrust Bank is reporting information on my XXXX credit report that was opened with out my knowledge or permission. I have provided all the necessary documents for the removal of the wrong information being reported but the information is still on my XXXX 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 explanation
Consumer complaint received 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

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 11-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Equifax Information Services has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Equifax as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. Not cool.

Company response to consumer: Closed with explanation