milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a judgement that has been vacated. They refuse to remove this and say it was verified. I have written documentation that it has been vacated and should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ALLIED COLLECTION SERVICE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 08/17/2017 about Mortgage (FHA mortgage) with Fairway Independent Mortgage Corporation (MI).
Issue: Closing on a mortgage

Complaint: Put offer in on XX/XX/XXXX that was accepted. Our mortgage lender XXXX XXXX started at XXXX XXXX and switched over to capital mortgage which is where our problems began. We have sent all of our documents twice and XXXX is not helping or responding to our phone calls or our emails. And does n't work past XXXX and definitely not on weekends our close date was supposed to be XX/XX/XXXX it is now XX/XX/XXXX and they are now saying 2 weeks after our first appraisal saying we need another just today. Talked with his boss who is not helping or not concerned about how XXXX has behaved. XXXX also sent me a text message with lips after I was getting upset so he does n't need to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They indicated that it was verified by US Bankruptcy Court KY XXXX so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining this information. They are boldly reporting false information and reporting their false investigation methods.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had a XXXX bill show up on my Equifax credit report. I called XXXX they said it was not my account. I filled a dispute with Equifax. They said the did an investigation and it came back it was my bill. I called XXXX they say the account number does not belong me. They also told SS # does not match any account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (CA).
Issue: Struggling to pay mortgage

Complaint: Well i refinance my home loan about 2 months after i purchase my home for a lower rate so this company the money source stated that it was a good thing that im refinancing my loan cause they where over charging me for my taxes on the home so it saved me about XXXX each month now after a year and a few months later my home loan with them went up almost XXXX XXXX dollars now they are telling me that my taxes went up so i need pay this amount to catch up with my tax bill and a few days later I get a call from another department of there company asking me do i want to refinance my loan so im like this was a scam all along. They new last year that my taxes where higher then first stated instead of contact me about the new tax fee are the real tax fee i was never contacted to adjust the monthly payment so i could stay ahead of a bad problem

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 08-01-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I started a loan with Capital One Auto Financing in XX/XX/XXXX. My loan payment amount is {$580.00} due monthly on the XXXX of each month. From my very first payment to now I 've paid {$600.00} on the XXXX of every month. I called cap one in XX/XX/XXXX to find out my payoff and learned I still had almost XXXX left to pay my car off. I then decided to make 2 payments a month to hurry up and pay off loan. After two months of making {$1200.00} additional payment I called and ask for new pay off. Then I learned the additional monies had not been credited as explained by customer service assoc. I then called XX/XX/XXXX and requested the additional payment scheduled for drafting the XXXX of each month be cancelled, CONTINUING MY PREVIOUSLY SCHEDULED DRAFTS WHICH IS THE XXXX OF EACH MONTH. They said ok, They didnt draft the additional payment in XX/XX/XXXX but resumed the addt'l payment in XX/XX/XXXX. I called and told them I had requested that it be stopped in XX/XX/XXXX and requested a refund for the XX/XX/XXXX payment. That 's when they told me I would be delinquent. I asked how when for 4yrs I had been making my payment the XXXX of each month never late, why when I request that my original request for the additional be stopped Im late. They said it 's theway funds had been distributed. I have included attach to verify I have never missed a payment I pay ahead of time along with an additional few dollars. I have been receiving threating calls. The lastest one was yesterday threating to repossess my vehicle unless I make good of my loan. My loan is good I am required to make a {$580.00} payment each month not {$1200.00} My loan acct # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with BB&T CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

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 06/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: my homeowner 's insurance has been lowered to {$1100.00} for the next 12 months and nationstar needs to reflect these New changes in my escrow and monthly mortgage payments ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On Friday XXXX XXXX I contacted Synchrony Bank, the issuer of my Walmart Mastercard, to inquire as to the status of a check I had sent over a week earlier as payment which still had not posted. The agent, XXXX, gave me a run around, first telling me the check never arrived, so when I stated I will have to do a stop payment, he told me no, the check has arrived but has not been processed. I then asked to speak to a supervisor, he refused. I had to ask XXXX times in total before the agent would transfer me. While on hold for a supervisor, I received an email security alert from Walmart that someone had just used my account number and social to acquire my online user ID ( email address ). When I finally reached a " supervisor '' she stated that he did that to verify my information, problem is the page to do this explicitly states only the card holder may fill this form out. I believe the agent XXXX is attempting to steal my identity or use my email address in nefarious ways and want this issue addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Credit card () with NETSPEND CORPORATION (NV).
Issue: Other

Complaint: i called to report my card was fraudulently used. Later to find out it was a vendor from online and we worked it out. however. the card had been cancelled and i waited for a replacement. the replacement card arrived. it could n't be activated. the card issuer demanded license and ssn card copies. THIS IS ILLEGAL. the id i can see. the ssn card is illegal to ask for. I did n't use that card to open the account. it should n't be required now that they have my money. I have been kept from viewing my credit card histories online. charged when i want to find my balance. my rights are being stepped on. I demand action against XXXX and ask that they be shut down permanently for unbusiness like conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX of the year 2016, I began receive information from a collection company stating that I owed them money in the amount of {$130.00}. It was stated that debt was seriously past due, assigned to an attorney, and reporting to credit bureaus with negative information to be reported if action was n't taken immediately. After several attempts to dispute whom I had the account with and asking for verifiable witnesses to substantiate their claims that I owe anyone the said amount, which has not been verified. This company has not only damaged my reputation as an consumer, but also has vilified my name with the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: After a series of unfortunate events ( XXXX and put me out of work, separated from my ex wife, property damaged by flooding not covered by insurance, loss of job ) that all occurred within 1 year, I was no longer able to afford the mortgage payments on my house and I went into foreclosure. After securing a well paying job two years later, I applied for a loan modification and was denied. When I asked Ocwen about what options were available to me, they told me that I could apply for a deed in lieu of foreclosure or do a short sale on the property. They told me that then deed in lieu of foreclosure option takes around 90 business days so I chose to pursue that option. I filled out the application in XXXX of XXXX. In XXXX of XXXX I signed an agreement to the deed in lieu of foreclosure and as of today, XXXX XXXX, XXXX the deed in lieu is still incomplete. Every time I call them for an update, they give me excuses as to why the deed in lieu is n't complete. At first they told me that it was hung up in legal. They used that excuse for several months. Then they said that there was a problem with the title. Then they were telling me that the VA was making it take forever. Now they 're saying that there is a lien from XXXX XXXX. In XXXX of XXXX, I became fed up with their excuses and decided to conduct a short sale so that I could be done with the house finally. I was notified by a real estate agent that I could n't sell the property because I did n't own it as of XXXX XXXX. Apparently they took possession of the property in XXXX XXXX and nobody that I spoke with at Ocwen knew it. If Ocwen would have been honest with me in XXXX of XXXX and told me how long it takes to complete a deed in lieu of foreclosure, I would have just sold the property right then.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: See attached XXXX of screens as I attempted to access my dispute XXXX. I filled in the requested information. Then it asks four bogus trick questions ; all of which are " none of the above '' answers. They deny access based on non-existent accounts. This is illegal. If any of those questions are actual, then fraud has been perpetrated. I will go to court with the printscreens to - through discovery - require the questions ' source documents upon which this is based. I filed many CFPB complaints to correct first get my free XXXX report to make corrections. This trick question stuff is unfair and blocks legitimate users from their own accounts. I want all information removed from my reports since none of these questions is valid. Moreover, with a blank credit report, there should be zero problem answering questions since " none of the above '' will always be the correct answer, regardless. As of now I want this credit report mailed to my address and I want all bogus questions removed as well. I want to be able to go online and access XXXX results without a hassle. Question 1 : installment account? No such account. 2. Payment on # 1? No payment is made on a non-existent account. 3. Student loan? No named companies apply. 4. Mortgage XXXX XXXX? No such mortgage exists. many other questions were pur on other attempts to obtain my disputed file. None apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I lost my wallet at time ssc was in there. I 'm confused on seeing I owe I think its possible I want further information possible someone is using my Indentity

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (GA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I was signed out of my mobile app and when I attempted to sign back into my account it says my phone is not a trusted device. I then start the verification process to log back into my account and when I type in the sms code provided to me it says " Invalid code ''. I am currently still unable to log into my account which I was logged out of from without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WI).
Issue: Application, originator, mortgage broker

Complaint: I took out a mortgage XXXX XXXX XXXX from PNC Mortgage. I received a copy of the Promissory Note, alone with the the State of Wisconsin NOTARY PUBLIC. The document that i have received is a forge document. It is not my or my wife signature. The names are spell wrong. The document state that i appeared before XXXX XXXX XXXX on XXXX XXXX XXXX and her commission expires XXXX XXXX XXXX this is not a real NOTARY FORM. I took this loan out on XXXX XXXX XXXX. How can i appear on XXXX XXXX XXXX. PNC NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX with NCB management has called my place of employment where these calls are not allowed three times so far this month of XXXX 2016! He has been told repeatedly I can not take calls even repeating back that I said that three times already but continued to call me again today! He and his company are violating my rights and making my work stressful please do something about this! His number is XXXX XXXX XXXX XXXX ext XXXX thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to file no. XXXX - my XXXX loan modification has incurred my account balance to go even higher - now up to {$100000.00} ( see attached document ) is this the way a loan modification works ... each payment increases the balance due and the past due amount with no part of the payment towards the principal..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I found out that my credit cards were being closed. I called the Chase Executive Office who confirmed that just my personal credit cards were being shut down. However, I received a letter on XX/XX/XXXX stating that my Checking Account and my Savings Account were also being closed. There was no explanation given. Only instructions on what to do before XX/XX/XXXX when Chase is going to  shut the accounts down on their own. I called the Executive Office back and received no information as to why my accounts were being closed. I then went into the Chase Branch on XXXX  XXXX XXXX  XXXX XXXX in XXXX NY and asked for an explanation as to why my accounts were being closed and again I received no explanation. 

I have had a checking and a savings account with Chase since XX/XX/XXXX. I have had direct deposits into my checking account and have never had a bounced check, returned check, etc. I, almost always, kept a minimum of {$5000.00} in my checking account and {$24000.00} in my savings account. I would like an explanation as to why my checking and savings accounts were closed without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello, My name is XXXX XXXX, I have a serious issue with my credit. Since I was XXXX ( I 'm now XXXX ) there have been " error '' messages every time I attempt to get any sort of credit card or loan. This has happened at least XXXX times over the past 4 years. When these companies use my Social Security Number to get my score they can not receive any sort of information from the credit bureaus. I have attempted to get a free credit score from some of the larger websites such as XXXX and I still do n't get any information. I 'm not exactly sure what Bureau has the issue with my information or if it is all of them but I do not know the first place to start when it comes to this issue. I really hope that someone can help me or at least point me in the right direction. Thank you for your time. My email is XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Medical) with Springer Collections Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX / 2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.

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