milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Other transaction problem

Complaint: Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX. 
There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.

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 01/31/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt was disputed online, Diversified Consultant sent me an inproper validation of debt with no signature or original contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this XXXX account for {$720.00} on my transunion credit file numerous times and all I get is a letter stating it was " Verified ''. I have contacted the collection agency to VALIDATE the account and I have been unsuccessful getting XXXX to validate this account in 30 days so I know Transunion have not verified this account. E-Oscar is not a form of validation. I sent this letter to transunion : TransUnion XXXX, PA XXXX Date : XXXX XXXX, 2015 RE : XXXX, account with the amount of {$720.00} Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I included my social security number on the original page

Company public response: Company chooses not to provide a public response
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 BARCLAYS BANK DELAWARE (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  a credit inquiry was made without my consent or notice.   This bank has many complaints of identity theft.   This bank is Barclays Bank Delaware  XXXX   XXXX   XXXX ,  XXXX , DE  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 07-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: my loan started out with Indy Mac 15 years ago. I missed a payment or two due to a layout. I was turned over to Ocwen and it has been a nightmare. Ocwen lies, misleads, does not document huge pay off, did not call to advise the payment was received. Sent a letter that had nothing to do with me or my money. The phone reps are not knowledgeable.Just a nightmare. I contunue to pay their required amount but Ocwen shows me 90 days late on payments. Ruining my credit, causing all my insurance rates to go up. Ocwen is a bunch of crooks, making money off honest people. I will surely lose my house if I have to continue to deal with Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have {$620.00} in fees on my account, {$120.00} for a foreclosure fee that I never was advised I was ever in foreclosure. A {$500.00} appraisal fee that I was not made aware of prior to an appraisal being ordered for a review of a short sale of which still shows as being reviewed but confusing letters saying it was denied but also letters saying still actively being reviewed. The mortgage company is saying that they are not reporting me delinquent on my mortgage but my mortgage statements show I am past due of {$690.00} in addition to what my current payment is. When I review my credit report it shows degoratory on my credit report. I ca n't actually see how it is affecting my credit but my score is dropping every month. I am current on my mortgage payment. The last delinquent mortgage payment I made was when I thought I was being reviewed for the short sale in XXXX of 2014 which I brought the account current in XXXX of 2014. I have no idea how this is affecting my credit but I am getting denied loans and credit due to this mishap. Every time I have called to have this explained I get the run around and say its been escalated but nothing comes out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I was sold a predatory loan ( 7.67 % compounded DAILY ) for {$100000.00}. I purchased the loan as Second Mortgage in 2006. It originated with Wachovia and was purchased by Wells Fargo. I have tried to refinance on multiple occasions but neither the XXXX Mortgage Lender will assist nor will Wells Fargo restructure my loan so that it is a reasonable interest rate or compounded Annually. In spite of the fact that I have managed to pay on-time and am current, no lender will refi me ( after XXXX attempts with XXXX different companies ) I am told this is due to Debt/Income Ratios that are no longer flexible. My Loan/Value is excellent ( XXXX vs. XXXX ). I can easily handle my mortgage if can REFI, but am struggling now ( selling assets and savings ) to make ends meet. This type of loan is unheard-of in the current market and may even be illegal under predatory lending laws. HOW CAN I REFINANCE with current laws as they are? I refuse to skip payments to become eligible for default status. But if I continue to operate under the terms of this loan, I will be forced to fail. I believe there are hundreds of thousands like me and the current laws are crippling my ability to pay at a reasonable terms and competetive rates. This is a travesty forced upon the American Public as a result, not of consumer behavior but the unbridled greed of large too-big-to-fail banking institutions. Where is the assistance for those like me. Wells Fargo is squelching my successful financial future without concern or remorse. I challenge them to give me assistance and they refuse. My hands are tied and failure is imminent. Being Self-Employed should be supported, and not punished. I am without recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit card () with DISCOVER BANK (UT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I returned from XXXX in XX/XX/XXXX, and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a XXXX from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from Discover that they had no record of the account and then refused to continue any investigation ; additional letters to Discover, which included copies of credit reports indicating the fraudulent account, have only resulted in their sending me a package with all statements from the fraudulent account. I have attempted to contact Discover over the phone, but they will not address the issue because I can not verify any information on the account. I have also sent Discover and the credit bureaus the missionary service letter indicating the dates of service and a service completion certificate, indicating that I was in XXXX when the accounts were opened and used. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts. A credit counselor informed me that it is more effective to only dispute one or two items per letter, and to focus on the greatest errors first. The current letters are only addressing my name, current address, and remaining credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (I do not know) with First Data Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Im in the process of cleaning up my XXXX credit report when I notice a negative account from First Data Merchant Services. I disputed the account with XXXX since I 've never been a business owner and never had an account with them. The dispute came back as " We verified that this item belongs to you '', and for me to contact First Data Merchant Services regarding the account. After 2 days of being shuffled around from Corporate customer service to their fraud department, back to customer service again, no one could help me resolve the problem. The fraud department sent me to a department to obtain the last XXXX digits of the account number because they are x 'd out on the credit report. When talking to this person, she indicated she could not obtain the last XXXX digits and did n't know why fraud protection thought she could. She searched the database using my name and no account came up with my name. She then told me that she does n't know what else to do since she had no way to obtain the last XXXX digits of the account number and searching resulted in no account using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern I have taken Portfolio Recovery to court in XX/XX/2013 for invalidated debt and I won the case - it was discontinued without prejudice and yet the account is STILL on my credit report - I have subsequently tried to sue them, send them a certified letter to the address on file with credit bureau and it was returned with " not deliverable as address vacant '' I am enclosing BOTH of these forms - Can you please help assist in taking these off my credit reports - Thank you -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX/XXXX/2017 I submitted Equifax a letter asking them to correct and update to the following address and to this day they have yet to respond ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I just wanted to ad a quick note to previous complaint number ref XXXX I have not gotten any of the the info that I have ask the reporting agency to send me. also any of the requested info they have claimed to have investigate my dispute they tell me to contact the creditor but per the fcra section 609 act states that the reporting agencies has to have my sign ORIGINAL documents on file if the consumer request that info FROM EXPERIAN has to provide the info. at this point this company is in violate of the united states federal law I have a attached a file in the supporting documents of the US LAW AND I HAVE ASK THIS EXPERIAN FOR THIS INFO 10 TIMES AND THEY HAVE FAIL TO COMPLY WITH THE LAW PLEASE SEE ATTACHED DOCUMENT

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 09/22/2016 about Credit card () with EQUIFAX, INC. (NY).
Issue: Customer service / Customer relations

Complaint: Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and someone stole and used my personal information to open up an account with XXXX XXXX. I have never applied or opened up an account with XXXX XXXX. I have been receiving harassing and threatening telephone calls from North Shore Agency Collection Agency representatives in regards to a debt in the amount of {$270.00}, I owe to XXXX XXXX. North Shore Agency has threaten to call my job repeatedly, if I do n't pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I was not notified of the last response therefore missed the deadline to respond. The response from Nationstar is not addressing the issue. I never " said '' XXXX is requiring the my payments be backdated so please do not contact them. 

I want my payments posted or back dated to the date they were received in full by your company. Not sure why this is a difficult concept. If it takes two weeks, fine, just back date it to the date received. As a consumer I am being punished because your company is too lazy to back date when a payment is received versus when you get around to posted it. 

XXXX was made on XX/XX/XXXX was posted on XX/XX/XXXX May was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX and not showing a posting date XXXX  was made on XX/XX/XXXX and not showing a posting date XXXX was made on XX/XX/XXXX and not showing a posting date Not having my payments backed dated to the date you were in possession of the full payment is a regulatory violation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: An item that is not mine is reporting on my credit report. I filed a police report and was advised it has been removed. per the attached complaint wit the CFPB. However, this is still on my credit report.

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 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rauch-Milliken International, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was fraudulently charged a service fee for XXXX for my restaurant business. I never agreed to sign up or be charged. The rep from the company spoke to the front cashier who has no ownership and told them to sign up. They called me and I said do not sign up for anything. The rep still signed us up and sent my restaurant a bill. The rep does n't have my name on the bill but part time workers who he spoke to and has the business name wrong. I called XXXX and they said the employees agreed so I have to pay. Now it is with a collection agency who sent the letter to XXXX of my employees saying they would be seizing bank accounts. Rauch Milliken International is the collection agency. I spoke to them and explained to them what happened. They do not know who I am or the correct business name, but they are sending it to a lawyer to seize assets. Their phone number is XXXX ext XXXX.

Company response to consumer: Closed
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX ; after attempting to get a car loan I found out that Experian had merged my information with a another similarly named individual and had taken his credit information and merged it with mine. His information was the sole reason why I was unable to get the loan. After a few days I was able to resolve the merge but the subsequent hard credit pulls has damaged my credit in such a way that I would not be able to get the loan. Experian would not cooperate in helping me resolve this situation.

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 12-03-2016 about Mortgage (VA mortgage) with LoanCare, LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is new but related to our earlier complaint # XXXX. That complaint was lodged against XXXX Mortgage because it appeared that they were paid off by our new mortgage company in a refinance. I have discovered that XXXX did not receive the payoff as our loan was sold just prior to that event. The new mortgage servicing company for just a few days was LoanCare. LoanCare is the company which should have sent us the funds that were held in escrow for taxes and insurance. We finally received a check from them today, XXXX XXXX, 2016 but it is short {$46.00} from the amount shown on our last monthly statement. We are under the impression that escrow money is not something a company can just take any part of for themselves, but dedicated to payment of the homeowners ' taxes and insurance. Additionally, I ca n't imagine what they removed that amount of money for as they were well aware that they had purchased the loan on the first of XXXX, 2016. We have attached documents which clearly show what happened. Thanks, XXXX and 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 monetary relief
Consumer complaint received 01-11-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Bank of America credit card was compromised and used to purchase over {$3500.00} worth of electronics equipment -- which was well beyond the credit limit of the card -- but Bank of America refuses to acknowledge that fraud occurred because they say the card 's security chip was read. I have requested and received copies of the receipts from the merchant -- a XXXX in XXXX and another one in XXXX XXXX -- and neither receipt has my signature on it. Furthermore, I can prove that I was not in either city when the fraudulent charges were made. However, Bank of America still continues to deny my fraud claim and is demanding that I pay the amounts charged.

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 08-07-2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (FL).
Issue: Managing the loan or lease

Complaint: BOUGHT THE CAR NOW EVEN XXXX WEEKS AGO. HAD TO TAKE IN FOR A DENT IT HAD.PICKED IT UP YESTERDAY NOW THE EMERGENCY LIGHTS WO N'T TURN OFF & IS DRAINING THE BATTERY.I REQUESTED FOR MY CAR TO BE REPLACED. I HAVE LEFT SEVERAL MESSAGES FOR DIFFERENT REPS AT CAR MAX INCLUDING 2 MANAGERS & THE CORPORATE OFFICE. IS BEEN SEVERAL HOURS & I HAVE NOT RECEIVED ANY CALLS TO DISCUSS THE MATTER.I HAVE HEALTH ISSUES & THE SALES REP IS AWARE. THIS IS ONLY ADDING UN-Necessary XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried opening an account with XXXX XXXX an was denied because of something on my credit report. I checked XXXX XXXX, XXXX XXXX, & XXXX. An did n't see anything on there. I would like to know what the issue is an if it can be removed. Thank you an have a great day.

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