milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Everbank is claiming we have a 2 or 3 month history of late payments when in reality it was the fault of the bank. Everbank claimed we put a stop payment on a check we sent to them. 
I supplied all the bank info to prove there was never a stop payment issued by me or my bank. The bank made several errors that they admitted to but now claim it was our fault. I have been trying to work this out with them for over 6 months now with no success. 
They have asked for lots of info and we supplied it. Then they look into it and then ask for the same info again as the file or whatever was passed off to someone else. 
Most everytime we call we get a different person and have to start from scratch We are trying to get a refi and a equity loan and due to the erroneous reporting we are being denied. This situation has caused us much grief, lost time from work, interest rates are rising and without the equity line we are losing rental income. 
We need to have the negative reporting reversed. 
Do we need a lawyer? We can not afford one! 
We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: never had account with these people and can not show me an contract that i sign but reporting to credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/26/2015 about Payday loan () with Enova International, Inc. (OH).
Issue: Can't contact lender

Complaint: XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. 

Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. 

Is a debt collector permitted to call any number he so chooses??? 

Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. 

Is it not my right to know whom I should pay?

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AUTO TRAKK LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  sent Autotrak several certified letters concerning the false, bogus info they are sending to the 3 credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially. Autotrak h as violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork  from Autotrak.  I spoke to  XXXX   ( Customer Service ) ext .  XXXX  on  XXXX / XXXX /  XXXX    XXXX    XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a  XXXX  ( Customer Service  ) to ld me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was sign ed  XXXX .She al so told me my last payment was  XXXX .  Autotrak is reporting false info which against the law. This is the reason they not replying to my certified letters!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Problems when you are unable to pay

Complaint: I am a veteran and have sought out VA Home loan financing. I was advised because GE capital retail bank is reporting a Walmart charge off collection account in my name and so is SYNCB/Walmart reporting the same account as a duplicate that my credit score has dropped significantly so the funding has been suspended till this error gets corrected. I called Syncb bank # XXXX manager XXXX XXXX. I was told that GE and Syncb is the same company they just changed there names to Syncb. I was advised that they would be submitting a e-oscar to delete the GE capital collection trade. Today XXXX/XXXX/2016 when I called to follow up I was told they were n't doing anything and that the duplicate reporting will stand.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Payday loan) with Internal Check Systems, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This was a payday loan from XXXX and the callI I got yesterday was threatening to have me arrested if I fail to pay {$460.00} by a certain time.

Company response to consumer: Untimely response
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit report from TransUnion through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.

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 03/23/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Medical bill in a payment arrangement. Was sent incorrectly to collections by original creditor. Called & let them know I was in a payment arrangement & it was mistakenly sent to collections. Original creditor corrected on XXXX/XXXX/XXXX, report was sent to collection agency XXXX/XXXX/XXXX & I received another letter on XXXX/XXXX/XXXX. I called the collection agency XXXX/XXXX/XXXX & they said I still had an active account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX and TransUnion about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/XXXX and TransUnion Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.

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 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Blackhawk Network Holdings Inc. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My debit gift card card was fraudulently used and the entire balance was spent. I purchased the card on X/XX/2017 at the XXXX in XXXX XXXX Ca and loaded a balance of {$500.00}. My card was fraudulently used, charged {$500.00} and drained at the XXXX XXXX in XXXX, CA on X/XX/2017. I contacted Blackhawk network ( BHN ) immediately when I noticed the fraudulent charge. The gift card never left my possession. I submitted the transaction dispute form to BHN on XX/XX/XXXX. I have tried to contact BHN multiple times regarding the dispute and have received no information and have not received a refund of the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/XXXX I called Macy 's credit department to report my credit card was stolen along with my wallet. So they cancelled that credit card and told me they would be sending me a new XXXX in the mail. After waiting for a week to 2 weeks ( XXXX ) I finally received my card and registered it online with Macy 's and set up my alerts as I do with all my credit cards. The same day I activated and set up my alerts I get an alert about a transaction that was made at the XXXX California store. I called Macy 's and advised them that I did n't make any purchases and received the card the same day. The customer service rep told me that someone had gone into the store and done an inquiry and gained my new account number that way. So she cancelled that card and told me that she had reported it to their fraud department. She also said she would be sending some paperwork so I can dispute the charges and to send the info as it is instructed on the paperwork. XXXX XXXX I receive the my first letter so I went ahead and sent them all of the documents it asked for and filled out their paperwork and sent it on the same day. Week goes by, I do n't get any kind of response so I called and and they said to give it couple of days for it to arrive. On XXXX XXXX XXXX as I arrive from my cruise I see a second letter dated XXXX XXXX asking for the same documents and paper to be filled out as the first XXXX. I immediately called Macy 's and asked them what was going on with my account and they stated that they sent a second XXXX for charges that were made on XXXX/XXXX/XXXX. I explained how can this happen if I had called and reported the fraudulent charges made on XXXX/XXXX/XXXX and at that time they cancelled the account and gave me a passcode to better secure my account. She said she did n't know how but that she had made notes to my account. On XXXX/XXXX/XXXX I called their fraud department to get an update on my case, I learned that my account was sent to collections and will be reported to the XXXX credit bureaus as a negative account but that after it gets investigated and if found that I did n't make those charges, they would call the collection company and have it reversed. They advised this could take up to 60 to 90 days after they receive the documents they requested in the mail. All this could have been avoided if Macy 's would ask for proper identification.

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 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dyck-O'Neal, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt collection agency 'Dyke O Neal ' has pulled my credit file without my permission. The debt was supposed to be paid by XXXX XXXX XXXX when home was foreclosed/short sale in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: TransUnion had a computer glitch that caused some inquiries on my report to fall off. TransUnion then decided to readd the inquiries to my credit file ILLEGALLY without giving proper 5 day notice as required by law. I 've contacted TRANSUNION out of good faith to help resolve this matter and to help get the unauthorized illegally added inquiries off the credit file. Having these inquiries on this credit file is creating a harship for me and my rights are totally violated by TransUnion. I 'm asking that you help make TransUnion to stop victimizing 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 04/21/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XX/XX/XXXX, I sent a deferment and cancellation request form to XXXX XXXX. They sent back a request via email requesting a letter sent from my employer indicating which school. I sent the letter back to Heartland right away. First of all, the instructions for sending the letter was horrible. It did not tell what information to include in the letter or if anything needed to be sent along with it. I sent the letter the same day I received the email from Heartland. I never received another email from them until XX/XX/XXXX. I went to my account only to discover that I  received a billing statement saying my payment is due XX/XX/XXXX. I contacted Heartland to see why I was receiving a statement and the lady told me that they did not receive the letter I sent. Mind you nothing in my account shows when I submitted the request or that they had sent an email requesting for more information. I did not receive another notice. The representative told me that I would need to submit paperwork again because it had been longer than 30 days. Really?? I asked if I could send a copy of the letter and was told no. The communication with this company is horrible. Why could I have not sent it electronically? They accept nothing electronically but they sure do send out all notices electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with Executive Financial Consultants, Inc (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my XXXX CB, I received response from XXXX that this account was verified as accurate and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: I had XXXX accounts with khols department store which a rep had closed one of my accounts without my permission which i was never notified by either mail or phone nor email.I have worked with an attorney to help solve the issue which a customer can only have XXXX account I had XXXX which was under my married name and XXXX under my original last name.I have asked them to accommodate me with this issue but nothing was done.I have been denied school loans personal cant purchased a car was denied 3 times for that my attorney at the time reached out 2 times and still no response .They have received a demanded amout that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested an investigation into adverse information posted to my account at Trans-Union. The request was submitted on/about XX/XX/XXXX. The adverse information was related to a contested billing by XXXX. for wired phone services. I closed the account in XX/XX/XXXX and XXXX continued to bill for four additional months after the account was closed. XXXX posted an adverse non-payment notice to my credit agency account for the false billing for the four additional months. This was even though I had submitted evidence from XXXX 's credit proxy, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) ( Confirmation # XXXX ), agreeing with me that the claim by XXXX was incorrect. XXXX subsequently documented its agreement with me and reported that XXXX 's billing claim was incorrect, to XXXX. I sent documentation ( approx. XXXX pages-attached here ) to Trans-Union depicting this process. 

Trans-Union did not review the documentation. Trans-Union did not conduct a meaningful and detailed investigation into my rebuttal of XXXX 's adverse information that Trans-Union posted to my account. They did not even call XXXX ( no phone number of phone call log information was provided by Trans-Union ) or verify the results of the XXXX investigation. Trans-Union just took the last bill submitted by XXXX and regurgitated it back to my account as evidence that the adverse information was correct. There was no indication or documentation that they investigated my rebuttal. All they had to do was read the information that I submitted ; there was no indication they bothered to do this. The adverse information posted by Trans-Union to my account stating that I did not pay XXXX is incorrect ; I did not owe XXXX for the four months they claim, after I closed my account with them. Documentation that I submitted to Trans-Union contains my confirmation number of the closure. 

Trans-Union must complete a fair and full investigation and remove the adverse report generated for XXXX in my account. This is my XXXX request for a fair and complete investigation ( my XXXX was the written request to trans-Union on/about XX/XX/XXXX noted above ). I would like evidence that Trans-Union has read all the documentation I sent to them and provide a description of the process by which they reached a decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Around XXXX 2015 I decided to refinance my property. 
My current mortgage company was not being responsive so I began working with QuickenLoans after seeing some of their advertisements. 
I spoke with one of their client agents ( XXXX XXXX ) who promised that they would be able to close within 45 days. The promise of the 45 days combined with their advertised success rate of 95 % is why I chose to go forward with them. 
I began the process XXXX/XXXX/2015, sent them all of the required information. I was n't getting any communication so I went to the website to check the status. 
Each time I went to the website I would get a call from an agent assuring me that " We are almost there ... '' and asking for more information which I would provide. This went on, back and forth, them asking for more information, me providing it and getting empty reassurances week after week. The 45 days promised came and went. 20 more business days later, they finally sent out the notary with the contract. She asked for my ID and the name on the contract did not match so we could not close. 
All that time and information exchanged and the QuickenLoans agents still could not get the simplest thing right. That was the last straw for me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached letter to Wells Fargo Home Mortgage and documents of proof, copies of MY DEEDS of Full RE-CONVEYANCE, I DO NOT HAVE A MORTGAGE WITH WELLS FARGO. 
Below I will mark making payments because the account number did not exist and when I went to Wells Fargo to make payments, the account did not appear on screen, so the agent would enter my name and take the payment. One day the agent just told me look XXXX XXXX this is not a Wells Fargo Account. Check with them to see why they are sending you statements. I knew I did not have a Mortgage and that my home would not have appraised out for that amount, and if I refinanced XXXX times as they contended, where was the Money? I did not at any time have a Mortgage with Wells Fargo nor did I refinance with Wells Fargo ever. ( See attached proof of deeds of Full Re-Conveyance )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation