milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with D&A Services, LLC (IN).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: d & a services are trying to collect amount that is in ch XXXX XXXX original credit lowes this is 4 time differ collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Cach LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

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 08/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My capital one credit card accounts are being restricted because I have added authorized users.This is something that is legal within the capital one company policy. They are asking me for information and documents about the people that I have added even though they are no longer on or with my accounts. My accounts have been opened for about two years and it will be very difficult to track them or their information down when I do n't know their current situations or whether or not some of them are deceased. When I added them to begin with, they should have just asked me for all of the required information then. I pay annual fees to keep some accounts open. Now I 'm being restricted without a clear explanation why. Capital one called me from their fraud department, but I have not committed any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

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 03/19/2015 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (I do not know) with Real Time Resolutions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. 

On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. 

A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In correspondence dated XXXX XXXX, 2016, I received a notice from American Education Services stating that my Income Based Repayment plan had been recalculated. I lost my job in XXXX, so my monthly payment was recalculated to be {$0.00}. But I subsequently received correspondence dated XXXX XXXX, 2016, threatening that my loan " will default '' and that " we urge you to make payments to bring your loan ( s ) current. '' I contacted customer service and was told that because I did n't 'check a box ' on my IBR form, I somehow wound up in danger of getting into default. The explanation was inadequate but no further details were forthcoming. The representative was able to go into my account and retroactively 'check the box ' to bring my account 'current, ' and get me out of the potential default situation. But clearly they approved my IBR application, based on the XXXX XXXX letter. There was no explanation provided other than my 'failure ' to 'check the box. '??? I am left confused and angry as to why I suddenly received threatening letters from AES regarding a potential 'default, ' when I previously received a notification saying that my IBR was current and that I do not currently owe anything. I find the labyrinthine process that led me to this point INTENTIONALLY confusing and INTENTIONALLY harassing. The process of applying/reapplying for Income Based Repayment should NEVER result in threatening letters accusing the borrower of delinquency and threatening default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (MD).
Issue: Charged fees or interest you didn't expect

Complaint: X/XX/2017 I received an installment loan from CashNetUSA. Upon signing the contract, I did not realize the interest rate was 256 %. Also of my payments of {$270.00} a month only {$56.00} went towards the principal. I feel like I was frauded and the application of the interest was misrepresented.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My name is XXXX and I reporting BANK OF AMERICA XXXX, TX XXXX do to false credit report. I called the customer service on XX/XX/XXXX requesting to remove the incorrect information in my credit report from dates XX/XX/XXXX and XX/XX/XXXX by XXXX of over of credit limit the representative responsed that was n't possible to remove it in which I believed is unfair since my credit score decrease by a XXXX points. I will like this agency to take matter since, I consider that many other people like myself are in the same situation. If you need any further information please contact me at my e-mail XXXX or my mobil XXXX. Thank you Sincerely, 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 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: there are XXXX bankrupties on my credit report. None which had been completed. I never went bankrupt. My house was foreclosed on. I filed but never completed the bankruptcy. They need to be removed from my credit report. It is ruining my credit.

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 07/16/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: case # XXXX / Bayview loan forclosed without hearing/sold my property without hearing and today changed the locks, I can not get anything to include my vehicles they did it WITHOUT HEARING thanks to corrupt layers and judges XXXX county XXXX XXXX of a way to treat a XXXX vet but then again you do n't give a XXXXCASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was an XXXX account opened that was did not belong to me that is currently in collections. The account was opened on XX/XX/2013 in the amount of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against XXXX XXXX XXXX and Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed with XXXX XXXX XXXX was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
XXXX XXXX XXXX than replied with a letter saying they received my dispute for verification and to be advised that XXXX XXXX XXXX confirmed the name and address listed on the account as well as the amount due. Nissan Motor Acceptance has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan servicer is XXXX XXXX XXXX. I made a scheduled direct payment from my bank account in the amount due, {$790.00}, with a payment date of XXXX/XXXX/XXXX. The payment due date was XX/XX/XXXX. On XX/XX/XXXX, the amount was debited from my checking amount. XXXX XXXX XXXX 's website and telephone system do not reflect this payment and state that my account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The address listed is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with MIB Group, Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I requested a report from MIB after I was turned down for insurance by XXXX XXXX XXXX. XXXX After a reconsideration request by me XXXX approved a higher cost " rated '' insurance plan. 
The XXXX code symbol translation in the MIB report states that I am currently under treatment for XXXX XXXX I am not currently being treated, nor have I ever been treated for XXXX XXXX. I have a steady and healthy XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My brother 's mortgage has been on my Experian report for some time now, efforts to reach experian via phone end up with me hanging up in frustration because I can never get to a live person to find out what i need to send in to fix the issue. This has caused several attempts at applying for debt consolidation loans to be declined because of this inaccurate reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have submitted online disputes within the last 6 months and have not been able to get the results and one is still pending although its past 30 days and another result is merely n/a with no explaination. below are the credit report numbers in question : XXXX pending from XX/XX/XXXX XXXX completed XX/XX/XXXX result is n/a XXXX completed XX/XX/XXXX result states delivered online however i never received them. XXXX completed XX/XX/XXXX states to click on " view '' to see the report however upon clicking it, nothing happens, unable to view it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citibank blocked my credit card have had since XX/XX/XXXX until I answered questions. I spoke to a representative on XX/XX/XXXX, named XXXX via XXXX. The questioned I had to answer before my credit card would be unblocked were extremely alarming. 

Question 1 : What was my full name?

Question 2 : What is my occupation?

Question 3 : Am I employed by the Government or do I hold a political, diplomatic or governmental office?

Question 4 : Do I have a relationship with or someone who is associated with someone in a political ( e.g., held political office ) or diplomatic office or government position?

These question were bizarre to me. When asked the reason for these questions XXXX said Citibank was at the forefront of implementing new banking requirements. These questions were to protect me and Citibank. I pointed out no other credit card company I have credit with has asked me these questions and certainly not as a condition of being able to use their credit card. XXXX repeated Citibank was at the forefront of implementing new banking requirements. 

What bearing do these questions have on my credit worthiness? If my answers to questions 3 and 4 were yes, would that be a negative and thus affect my ability to use a credit card issued by Citibank or would that be a positive and mean Citibank would offer me a gift or something special?

Why are these questions being asked in order to have credit with Citibank and how are they  going to use this information. Further, how do they know the answers provided were even correct?

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 01-11-2017 about Other financial service (Check cashing) with WELLS FARGO & COMPANY (VA).
Issue: Fraud or scam

Complaint: My payroll check was stolen and cashed by a third party at Wells Fargo. The individual who stole the check signed the check over to themselves, forged my signature, and then had another individual with a Wells Fargo account deposit and cash the check into their personal account. Wells Fargo should have never cashed that check since they did not have me present nor seen my identification in order to confirm if the signed over check was fraudulent or not. I have worked for financial institutions and know policies and procedures and Wells Fargo is in violation of not following proper protocol with regards to cashing a check. That was my payroll check that was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report Equifax XXXX XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have a ongoing dispute that was file in XX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.

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 08-05-2015 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (TX).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2015 my auto finance company contacted my landlord and informed him they were looking for my vehicle and gave specific color and model. Also advised him it was delinquent and they would get a court order to enter the garage to retrieve it. On the same day they also contacted a reference asking them to relay a message that they were calling about my vehicle that is past due. When I called to speak to customer service they advised when a loan is delinquent, they are allowed to give out this information in effort to locate and retrieve the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this compan y  XXXX  s eries of documents and what they 've requir ed for my case. Still, am having issues with a creditor collection company on my report. Diversified consultant. I 'm wondering if Diversified Consultants pays this bureau under the table or just pays more than what is required but it makes me concerned. Diversified consultants have received also   XXXX   documents and the account was deleted off my credit rep ort, then they re-reported with the credit agencies.     I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail.

Company response to consumer: Closed with explanation