milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is a debt purchasing company and they are attempting to collect on a XXXX XXXX acct # XXXX and there internal # XXXX is from fraudulent activity and the original creditor had knowledge of this. XXXX needs to delete there collection remarks effective immediately and and close and return this back to the original creditor

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 07-03-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There were collection accounts added onto my transition credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 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 05-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship with Citibank, I get a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 03/25/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (WY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly quite a few years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week Tired of the attitudes

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX, amount is {$4600.00}. I have disputed this account and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Paid someone for services rendered by check. When the check was presented to my bank, Wells Fargo, they did not pay the amount written on the check. Then when I discussed with them, they informed me if it was below {$60.00}, they would do nothing & I would have to write another check to the person. On XX/XX/XXXX, I received a letter stating they would do nothing & I went into the message center on my online account & found that someone at Wells Fargo had put a stop payment on the difference in the amount they were supposed to pay. During a conversation today, they informed me they debited my account for the difference and sent it to the payee. They claim there is no documentation on who requested or did the stop pay -- I did not! They sent me letters & did things without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with CashLink USA (MO).
Issue: Charged fees or interest you didn't expect

Complaint: I burrow {$500.00} on XXXX XXXX 2017 I made 10 payments of XXXX and 1 payment of XXXX. And my loan is still not paid of I have paid them {$1100.00} and they still said my pay off is {$510.00} to this date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been refused by ( XXXX ) creditors to submit a letter to me to remove an unauthorized " Hard Inquir '' on my Transunion Credit Report & gt ; The ( 2 ) are : 1. XXXX - Unauthorized Inquiry on XXXX XXXX, 2016 2. XXXX XXXX - Unauthorized Inquiry on XXXX XXXX, 2016. 
These need to be removed from my Transunion Credit Report ( Only Agency where this occurred ) My Contact Info : XXXX XXXX - Phone # XXXX E-Mail : XXXX Please reply at your earliest convenience. Thank you.

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 06/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient f ormally   XXXX   XXXX  . Would not honor student loan forgiveness program for  XXXX  in  a    XXXX   XXXX   XXXX   for 5 years- {$17000.00}. Navient -did not apply extra money sent in to my principal loan amount, would not lower my payments, and would not extend my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are required to notify all other credit reporting agencies of their results.

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 09/16/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: Unauthorized withdrawal from my checking account - I have a Citi Costco and an online bill paying account. Last month, I had been trying many times to pay online on different days but not successful. I ended up mailing in a check to pay in full. Then I check my citi online account and they took money out from my checking account, I never rec 'd any confirmation ( signed up for text alert for account changes ) ; I am not enrolled in auto pay but it says online that the payment was scheduled on XXXX. That means I paid twice last month. Called last week for the money back, not happening ... then called again today ( XXXX @ XXXX EST ), they told me it would take up to 30 days. Customer Service Rep XXXX was so rude as well, unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Trouble during payment process

Complaint: I have attached all the documents I hav e. Ocwen is not ac counting correctly. Also back in  XX/XX/XXXX , they claimed I had check returns ... .I have never in my life wrote them a check. I have auto-pay setup for the debit in the   XXXX   of the month. It 's up to them to retrieve these payments, this is how they had it set up. However,  four da ys later they continually would charge me a late fee of  XXXX . In   XXXX   XXXX  , they debited the funds on the  XXXX , and then charged me yet another late fee for the next 3 months.. and a returned check fee ... .Again I have never wrote a check to them. And I have never allowed a auto-payment to go through if the funds were not available. Also, back in  XXXX  I filed chapter  XXXX , and the courts paid what I was behind in, which was about  XXXX . This was during the transition from  Litton Loans to Ocwen, all those payments went to Litton, and Ocwen recharged me for them. When Ocwen came in to play, they put that amount back on, and I have   gone rounds with them for the last few years, and to avail. So I am seeking your assistance.   Also looking at my Payment History they have several times were it states that the payment was reversed ... .NEVER have they or I did a reverse payment. For the payment in   XXXX   XXXX   they claimed that a payment of  XXXX  was made, I NEVER paid that amount, never a partial payment, You will have to really look over all that I have submitted, they are doing me in. The statement are so confusing that I do n't understand them. However, I am always correct on how I do business. Also, I redid my mortgage and it was at a fixed rate of 2.00072 % as of   XXXX  , that was corrected to be 2.00 % in   XXXX   XXXX  . However, along the way in   XXXX   XXXX  , it changed to 4.00 % without any notice. Then   XXXX   XXXX   at 4.00 % my fixed payment was  XXXX ,   XXXX   XXXX   is changed to  XXXX  again without any notice.   XXXX   XXXX   still at 4.00 % ( 30 days later ) it changed to  XXXX  ... .and my balance is not going down much.   Looking at my Insurance activity, I 've always had Farmers insurance but  Ocwen  slapped their own company  ( American Security Group ) on  there when it was time to renew. They denied  Farmers  during that time. That started sometime in  XXXX , seems like they were following the dir t Litton was doing.    Please  Advise V/r    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX allowed an unknown party to change the name on my XXXX   Credit account. Then lowered by credit limit negatively impacting my credit score. I now have another name associated with my credit profile and social security number due their error.

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 02-07-2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX Card debt currently in collection with Transworld Systems , Inc. Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XXXX {$1600.00} ; XXXX {$570.00} ; XXXX {$1000.00} ; XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. Transworld amount due is incorrect. Also transworld is adding Collection Charge and interest totaling {$2900.00}. XXXX XXXX # XXXX Debt collector may not collect any interest, fee charge or expense ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, BOA 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, BOA 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to BOA is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello CFPB, I 'm writing today to report issues with   XXXX   accounts negatively reporting on my transunion and  XXXX  credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company  's I s ubmitted investigation request to were    XXXX    and Transunion.     For accounts being reported by  XXXX   XXXX   XXXX  and   XXXX   XXXX   XXXX .      The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I hav e 11 miss ed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.

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 05/28/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Spoke with a random Beneficial HSBC mortgage agent on the phone on XXXX/XXXX/2015 to ask about a reduced interest rate for my mortgage, yes we can do that. Received letter dated XXXX/XXXX/2015 offering a Loss Mitigation Application trial period. If I were to meet the XXXX payments in the trial period, my loan interest rate would be reduced to 8.422 % and a reduction of {$170.00} in mortgage due per month. I called the number on the letter and asked what is the catch? No, catch, we want to do this for you. My gut said something was fishy but I wanted a lesser interest rate and monthly payment, I paid the three month trial period. When I finally got the actual paperwork on XXXX/XXXX/2015, it was too late to back out, if I did, I lost the three months that I have already paid, which they would not apply to my mortgage, meaning, I was paying XXXX each month for XXXX months. What I thought was too good to be true, was. During this time, my mortgage specialist agent was switched to a different woman. She was extremely defensive, stating that she was just doing her job. Another red flag. 
Now, I have another negative reporting on my credit rating, Beneficial has the Deed-in-Lieu of Foreclosure on my house and will send me a XXXX for XXXX for the 2015 tax year. I signed the papers and returned them because I could not afford to pay three months mortgage XXXX. I am mad that I was taken advantage of. Yes, I should have had a lawyer look at it for {$250.00}, that is my error. I would like to have this corrected and stopped so that other people like myself, hardworking, just trying to make ends meet and have the XXXX dream of owning a home and making an honest living do n't have to have the stress and anger that I experienced with Beneficial. 
I have all of the paperwork and names of the persons that I spoke with at Beneficial that show every step of the way. 
Thank you for your assistance with this. I hope that my story will help others.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Identity stolen a while ago, and police reports were sent to XXXX and collection agency to stop collection on an account that was opened in my identity. 1 year later and they are still putting collections in my credit reports dropping my score even though I have proof I faxed them police reports to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the Federal Reserve Bank of Chicago, that XXXX XXXX created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with XXXX XXXX XXXX   did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In First National Bank of Tallapoosa v Monroe, 135 Ga.614 ; 69 S.E. 1123 ( 1911 ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : Howard & Foster Co. v Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also Merchants Bank of Valdosta v Baird, 160 F 642 ; 17 Lns 526 ( 1876 ). 
XXXX XXXX did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from XXXX XXXX to me. 
A lawful consideration must exist and be tendered, to support the note. See Anheuser Busch Brewing Co. v Emma Mason, 44 Minn. 318, 46 NW 558 ( 1980 ). 

This account with XXXX XXXX was created under fraudulent terms and violates United States Code, Title 32, Section 24, Paragraph 7. XXXX XXXX has agreed to close the account but not remove the account from my credit report. I do not want fraudulent accounts on my credit report. 

A copy of the notice sent to XXXX XXXX explaining the fraud is attached.

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