milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have submitted all the paperwork requested in XX/XX/XXXXand XX/XX/XXXX. I resubmitted all this paperwork after I learned by accident that Carrington had rescheduled the foreclosure of my home of 29 years.
<P/>
This process started with XXXX XXXX XXXX and my loan was transferred to Carrington in XXXX. This never ending submission of forms have been going on for 5-6 years while I live in fear and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (AK).
Issue: Fraud or scam

Complaint: I sent {$2000.00} to a girl in XXXX and when I looked up the MTCN # it said the money was received so I texted the girl and she said she did not pick it up so I asked XXXX XXXX what city was the money picked up in and they told me and its XXXX Km from where she lives and she is a school teacher and works very long hours so the only time she would be able to get the money is on weekends. 

So I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Before I had an unwelcome guest in my home removed by police on XXXX/XXXX/15, he stole my Discover credit card out of my wallet, without my knowledge. He proceeded to use it for 4 days and charged up over {$800.00} dollars. I did n't know the card was gone until I received a call from Discover asking about fraudulant charges. I said it was fraud and they told me to file a police report, which I did. I spoke to the detective twice and told him the situation, then I never heard back from him at all. I received no information unitl I got a bill from Discover showing the fraudulant charges were added back onto my account. I called and their fraud investigator told me that the police determined that I gave the thief my card to use so I was liable for the charges. I had no opportunity to dispute the claim and ultimately had to pay for the charges so that my account would not be overdrawn and affect my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with CITIBANK, N.A. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A charge was made by a company making false claims for a product and also added an additional product not purchased. The bank will not honor my dispute and is charging me absurd late fees on balance not paid.

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 02/20/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a reported a fraudulant account on my credit report several times to Experian. I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Experian stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Experian :  XXXX  Acct #  XXXX    XXXX   XXXX   : Act. #  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Back in  XXXX ,  XXXX  we had open up the custodian account for   XXXX   of my children checking and saving a t CitiBank as sa me time we also open all our account and there were never a account service charge to the kids account during those years we did see some months was charge and it was waive and taking out and some that was no charge but starting back in  XXXX  the bank starting to charge from the custodian and in same it drain out the kids account money in there and these are kids that same for the college money we never did receive any of the statements during those charging months not until the bank send us notice that we need to deposit in the custodian accounts so that the services fees can be clear, that is when we found out that years of been open  XXXX  of our custodian account has the bank been stealing from my kids account. make the matter worse that they are not will to work and refund our children money back an in same even challenge of my caring for my child money and their saving. Again these checking and saving account are custodian kids account under age and i am teaching the to same their money from Birthday,  XXXX ,  XXXX   XXXX  and more that we gave them to deposit to same up for there future and here there bank been stealing from them every month for the pass 6 years at {$30.00} per month in 12 month equal to {$360.00} per year and in 6 years that is the sum of {$2100.00}. All this done to the kids account whose are now just turn    XXXX   and   XXXX   years of age. I hs been try to reach out to Citibank and none seem wanting to help I then close the checking accounts from   XXXX   kids and now to them the account is close to preventing the account to be charge this coming month and by this Citibank are no t will to help claiming the account been close and nothing they will or can do. I do not understand since the kids saving is still active and all out our banking are all still operating. I am reaching out for help calling and asking for help for   XXXX   of my daughters to help get their money back from cro ok Citibank charge on  Custodian

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX representing some client 's of mine and they are going through a short sale. The bank who holds the loan is Flagstar based out in Michigan. I met the owners in XXXX and have had all necessary paperwork prepared and submitted since XXXX and have heard nothing from the bank. I call in to a service rep about once a week and they give me same update. They say the processor who 's name is XXXX XXXX has n't gotten to it and there is no update. Everytime I speak with the short sale rep they say she will call me to provide an update but never has once. I have emailed her about 3 times as well. I put my complaint into the bank and of course received nothing back from them. My client 's fear is that the bank is just skipping the short sale step and going straight to a foreclosure. She does n't want them to show up one day and have all of her stuff be thrown out on the lawn. I have all the necessary documentation about my client 's situation and why she ca n't pay mortgage anymore. Please advise what we can do about this situation as we have had paperwork prepared for four months now and have n't heard one thing from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXX and XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The XXXX bill is out of statue of limitations. They keep selling my debt after I sent them a cease and desist letter. I sent certified mail on XXXX XXXX, 2014. It was signed by them I have all proof told her it out of statute of limitations she wanted to argue with me. Refused to tell me last time I paid on that bill keeps selling it off. It 's way over 10 years old she still wanted to argue with me. I told her you never mailed me a letter still wanted to argue told them over the phone to cease all communication with me. Told me the wrong address for the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: To whom this may concern, I am inquiring if Scottrade Bank will provide Identity Theft Protection Services for the failure to handle customer data appropriately. Specifically, in 2013, XXXX XXXX, a branch manager at Scottrade Bank instructed me to send personal information via an insecure channel ( plain text email ), I at XXXX XXXX 's request, I provided the information via email and was subsequently a victim of identity theft and theft of personal information. 

I am requesting if Scottrade Bank will provide me with retroactive Identity Theft Protection Services or Identity Theft Insurance. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Acceptance Corp. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in a short-sale with Bank of America. It mislead me, then lied to me, and now refuses to honor its word. I was approved for the short-sale Im in in early XX/XX/XXXX. BOA states " Further research shows that on XX/XX/2016, we initiated a short sale review. This particular program does not require an offer for the sale of the property be submitted at the time of application. As of that date an offer had not been received. On XX/XX/2016, you contacted us and informed us that you had XXXX prospective offers. You were advised that we would close the review and reopen a new review to accommodate the offers. '' That does not make sense. Why close the current program if an offer for sale does not need to be submitted in the application per BOA compliance person XXXX? This is what BOA used to start swindling me out of the $ XXXX relocation assistance, which is now has down to {$2500.00}. Then, I was told things by the multiple representatives that certain things were the case AND notated, yet compliance found none of those notes. This is the result of a previous investigation by the CFPB.

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 Debt collection (Auto) with Coastal Credit, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They are calling and messaging me over 10x a day by phone and text messages and calling me from their cell phones and calling my friends and family talking about my debt. I have asked them over a month ago to stop calling me at my cell phone and was told they do n't have too..

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with Frontline Asset Strategies, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail stating there was a change of lawyer on a debt. A few days later I and my relatives received a call from a debt collector. I called back and they were unable to provide me with further information because according to them, the XXXX XXXX they had on file was not the same XXXX. My birthdate and the one on file did not match. A few days after, I received a letter from this same company stating I had a judgment against me from XXXX. I called the company to follow up, left a message and no one has contacted me back. It says original creditor is XXXX XXXX XXXX and charge off date was XX/XX/XXXX I do n't recall having credit cards with XXXX XXXX XXXX. I 'm unable to follow up with the agency because its not me, but I 'm receiving letters from them. I do n't believe this is my debt and would like to clear this from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company is collecting a debt on behalf of XXXX XXXX XXXX XXXX. The date of service was XX/XX/XXXX at XXXX XXXX. The XXXX Associates fail to resubmit a medical claim to XXXX and XXXX for XXXX, which is both my insurance companies. The claim they originally submitted had the wrong social security numbers associated with the medical coverage. XXXX belong me to and XXXX for XXXX to my sponsor. We are both veterans. This CSA refuses to contact their client XXXX XXXX XXXX XXXX after I contacted XXXX about the errors in the submitted claim and rejected claim, and was told to tell XXXX XXXX XXXX XXXX to re-submit the claim even though it is very late. Under the circumstances of the wrong social security numbers used XXXX is only asking the medical provider to resubmit the claim for processing for payment. This CSA wants " money '', my money! I have 100 % health care coverage from the government and this CSA will not ask their client to resubmit, give me the client 's phone number or contact information. They are abrasive, rude and totally unprofessional with their service to a consumer. They told me that they could not verity my insurance with the government, and that was a total lie, the government never closes and I have had the same insurance for since my husband 's retirement in XX/XX/XXXX and I went on XXXX in XX/XX/XXXX, and nothing has change with my coverage. They just want cash money and I refuse to pay a collection agency that sent my name and this account to all three credit bureaus because they will not bill XXXX or XXXX for XXXX. They also refuse to send all three credit bureau a letter stating they falsely reported this debt. This is a violation of my consumer rights!

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have applied for a student loan income based repayment plan 3 times with Navient from XXXX - XXXX 2016. Each time, I sent the appropriate completed forms and copied pay stubs so they would have all information. After the XXXX time and the XXXX time, they said they never received anything. After the XXXX, I 've had no response at all. I ca n't get anyone on the phone. They respond to emails with generalized statements not related to questions. They never respond to mail. Meanwhile, my student loans are practically in default and I 'm at risk of having pay garnished, which would be financially devastating to me. This company is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.

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 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Business and Consumer Solutions. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This was from XXXX I called and cancled XXXX the person I talked to said there was no problem Just send a piece of the XXXX back. They even sent me a box for it. I dont try to cheat anybody so i feel that Idont owe anything to XXXX XXXX

Company response to consumer: Closed with explanation