milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Mortgage (Other mortgage) with LAKEVIEW LOAN SERVICING, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Lakeview loan servicing oversees my FHA loan. At the end of XXXX 2015, I applied to roll my FHA loan into a conventional loan in order to get rid of the mortgage insurance. I have submitted all the materials they requested within 2 days. When they requested additional material, I submitted it within a day. I have not heard from anyone from processing and it has been over 2 months. I have not received my appraisal report even though the appraisal was done over 6 weeks ago and I keep requesting the report. I send emails and leave voice mails, but no one responds to me. I do not know the status of my loan and have not received my appraisal report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX admitted that they were taking off my other credit reports after complaining to both XXXX and XXXX. Both of those credit bureaus plus XXXX decided it was wrong information. The reporter XXXX XXXX previously reported to this same Consumer Financial Protection Bureau as well as XXXX and XXXX that they were deleting this line item as it was false. XXXX XXXX even threw in the towel on these and stated that they are taking it off. It is evident that this was a commercial debt to a different company that XXXX Bought and tried to stick to my personal record even though it was a corporate debt with a different tax ID. The last attachment shows XXXX taking it off even without CACH throwing in the towel. Under my rights under the FCRA Equifax the only remaining credit bureau carrying this false information should investigate and take off immediately. For the last 2 years this has been reported wrong and I really do not want to take all parties to court. Yet we have all documents that prove XXXX is wrong oin ever putting this on my report

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA).
Issue: Fraud or scam

Complaint: The reason I am submitting this form is I fell for a scam for modeling. On XXXX I was contacted by a man or woman named XXXX XXXX they claimed they were the XXXX. After we exchanged a few emails, he or she told me they are sending a check from XXXX bank in the amount of XXXX dollars. After the check was received I deposited it and proceeded to follow their instructions which were to send XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. Today I received a notice in the mail stating that the check has bounced and that my account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (VA).
Issue: Managing the loan or lease

Complaint: I am an XXXX service member with XXXX. I have a leased BMW that I 'll be turning in under the SCRA. I am 1-year into my XXXX-year lease and put approximately {$4200.00} down as a down payment. BMW will grant me early termination of the lease but they are refusing to give partial reimbursement of my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on 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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Freedom mortgage has reported an inaccurate 30 days delinquency on mine and my husbands credit reports. I did attempt to make my payment on the XXXX and XXXX day of month ( XX/XX/XXXX ) but because the system was putting in the wrong amount of my payment I was unable to make my payment. I attempted to contacted Freedom mortgage several times and was on hold for over 30 minutes each time. I was finally able to get someone and made my payment. I questioned the errors on the online system and the inability to get in touch with someone. I was told that they were short handed to due the holiday and system errors like I was experiencing were causing an increase in call volume. I thought surely they were aware it was there issue with the system and I would have no issues with my reporting. I later called back and was told not to worry that there would be nothing reported. I am very familiar with the requirements under the Fair Credit Reporting act and I have no issues seeking legal advice if this delinquency is not removed from my credit report. Let me be very clear, I am not asking for a goodwill removal I am demanding that you update my report bc of you system issues surrounding the timeframe in which I was attempting to make my payment. I hope this ends here and quickly.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was approved through Comenity Bank for the Victoria 's Secret and XXXX XXXX and XXXX on XXXX/XXXX/XXXX. 
I was then contacted by mail I needed to provide proof of identity. I sent in my Drivers license, SS card and proof of address. My cards were immediately closed and I was sent a letter saying they suspected fraud. 
I was told the accounts would be taken off my credit report. It has been 4 months and I have XXXX derogatory accounts saying " Account XXXX by XXXX XXXX ''. 
I still have no idea why my accounts were closed. I did n't even use them before they were closed within 2 months of being closed. 
Please remove these cards off my credit report. Currently you have these XXXX cards reporting to XXXX and XXXX. I am trying to clean up my credit to buy a house and this is hurting my score immensely. 

NY XXXX CO credit limit {$250.00} Victoria 's Secret credit limit {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency harassing me and filing fraudulent information to credit bureau for monies owed to an apartment complex I never lived at. 

I have provided them with proof of my correct residency during the time in question as well as the XXXX XXXX XXXX police report number where I filed a complaint for identity theft. 

They have not contacted me since I supplied the police report number but continue to post negative filings with credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I voluntarily froze my Transunion credit report in XXXX 2015. I lifted the credit freeze on XXXX XXXX, 2015 providing all information including the PIN and received a confirmation from Transunion Credit Security Freeze regarding lifting the freeze. The fee for this Transunion service was processed and accepted by my credit card. On XXXX XXXX, 2015 my credit was checked through Transunion by a company that is doing a credit background check. The check is for an apartment lease. Afterwards this company reported back to me that my credit report was still frozen and could not access it according to their Transunion representative. The company tried rerunning my credit numerous times afterwards and the last time being today, XXXX XXXX, 2015, without success. I contacted Transunion Customer Service, and they stated that I needed to contact Transunion Credit Security Freeze and repeat the lifting of the freeze until the freeze was lifted. I called Transunion Fraud Alert getting the number from Transunion Customer Service earlier today, XXXX XXXX, 2015, and Transunion Fraud Alert stated that the credit freeze was lifted on XXXX XXXX, 2015. Also earlier today, XXXX XXXX, 2015, the Transunion representative for the company checking my credit, stated that the company is to continue to check my credit every day until it works. Bottom line, Transunion has destroyed my credit because of their inability to release my information. I hope this major problem is fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX. FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. TRANSUNION ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.

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 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stevens Business Service, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i receive letter from national grid i need to pay XXXX for non-utility service, i am disagree for this charge and national grid give this bill i not owe to collection agency " Stevens business service ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Savings account) with DISCOVER BANK (WA).
Issue: Account opening, closing, or management

Complaint: I am the Trustee of my sister 's estate. She passed away on XXXX. There will be no probate. She had a pour-over will so anything not titled to her trust and anything w/o a beneficiary goes into her trust. I contacted Discover Bank ( an online bank ) for the XXXX time on XXXX/XXXX/15 where my sister, XXXX XXXX XXXX, has a savings account. ( I have had XXXX other contacts, all initiated by me. ) I sent them my certified documents ( about XXXX pages in total over the last month ) stating who I was, about the trust, etc.. and asked XXXX questions : Were any beneficiaries listed on this account and if so, who? ( So I can let them know as it would be my niece and nephew. ) What was the Date of Death value ( which I must report to the IRS to account for the value of the estate )? What is the current value? They told me that once they received my papers they would answer my questions. Now they are saying they wo n't ; that they do n't " recognize the authority of XXXX County ( WA ) Superior Court and that they want " Probate '' papers. They refuse to recognize my authority and they also refused to bundle up all my documents and send them to their attorneys. I am at an impasse.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt Collector : XXXX XXXX XXXX Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Account status : Open Original Creditor Name : XXXX   XXXX XXXX I did went to the XXXX  XXXX XXXX and When I got there, a XXXX  whom were in training poked me 4 times to get my XXXX and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Not sure if I selected correct description. I contacted this company to see if they would offer a settlement offer on XXXX/XXXX/2016 the offered to settle for 50 % of debt that must be made with in four payments I did make all my payments online making what the box for payment amount asked me to make. I made my last payment on XXXX/XXXX/16. Here is payments and amounts I made according to bank statements XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$54.00} XXXX/XXXX/16 {$43.00} I will attach copies of what I got from their website on XXXX XXXX, 2016. Their payment state different dates than what my back states as payments. I contacted credit bearus cause this account is n't showing paid and also called first national collection bureau, inc and they are telling me that I did n't make all payment to clear this account and I told her according to records and their website all is paid. so that is why I am filing this complaint I would like this to be settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Trying to freeze my credit with TransUnion after XXXX hack. Have tried multiple times to reach TransUnion via phone and web over the last few days, but they say they are overwhelmed. I feel this is no excuse ... they are holding my credit hostage because they are understaffed. It was easy to freeze my credit on XXXX website. I imagine TransUnion is purposely trying to avoid having too many people freeze their credit reports. This is unreasonable.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a complaint back on XXXX XXXX XXXX with you. It was regarding tax liens still remaining on my credit report with Equifax that should have been removed when the new guidelines went into place on XXXX XXXX for removing civil suits and tax liens as part of the settlement with the CFPB and the credit bureaus. Here is the case number for that original complaint XXXX. 
The company responded back stating it was verified as reporting accurate. The same auto responses they gave me when I disputed it on their website. 
This is NOT possible to be verified as accurate. In fact both of the other bureaus, XXXX and XXXX XXXX did just the opposite of Equifax. They verified I did meet the guidelines and removed them all from my credit profile. Here is the response from XXXX XXXX I received when the CFPB contacted them. 
Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, we initiated an investigation into the XXXX XXXX County/Recorder of Deeds, XXXX XXXX XXXX XXXX XXXX XXXX of Deeds tax liens and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have deleted XXXX XXXX XXXX XXXX # XXXX & # XXXX, XXXX XXXX XXXX XXXX of Deeds # XXXX, # XXXX, # XXXX & # XXXX and XXXX XXXXXXXX of Deeds # XXXX from your XXXX credit report. 

I expect Equifax to correct this mistake and delete these text things from my credit profile just like the other two bureaus did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Other

Complaint: I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with Citibank and XXXX with XXXX XXXX. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want Citibank and XXXX XXXX to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.

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 04/22/2016 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in full XXXX XXXX

Company response to consumer: Closed with explanation