milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvest Credit Management VII, LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of HARVEST CREDIT MANAGEMENT ( HARVEST ). XXXX alleges the original creditor was XXXX XXXX BANK ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to HARVEST. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from XXXX ( XXXX ). XXXX alleges its client is HARVEST, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that HARVEST and XXXX have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, XXXX chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or HARVEST, there was no validation of debt. 

It appears HARVEST, XXXX, and XXXX are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears HARVEST and XXXX are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported XXXX to the CFPB previously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Debt collector did n't verify collections. No contract no signature

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, equifax, and XXXX has taken more than 30 day for my dispute a violation of the cra sent police report

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I refinanced a loan held by Wells Fargo home mortgage company. It was paid in full by the new mortgagor and the excess escrow funds, totaling over {$6000.00}, were to be refunded to me by Wells Fargo. In nearly a decade, every monthly payment due to WF was made early. When the escrow funds did not arrive after more than two weeks, I called on XXXX XXXX and was told that the status of the refund was unknown, but a check 'is usually ' issued within 15 days after closing. After waiting several more days, I called on XXXX XXXX to inquire about the status of the funds. It seems that the bank 's records indicate that the funds were disbursed on XXXX XXXX, and 11 days later their location was still a mystery. ( How the bank did not know that the check was supposedly mailed a day before my call on XXXX XXXX is a head-scratcher. ) As of today, XXXX XXXX, 2015, more than 3-1/2 weeks has gone by and the bank seems unable to account for my money. I have requested a wire transfer of the funds to XXXX of XXXX other WF accounts ... both in the same names as the mortgage, but WF has refused, stating some concern that the mortgage is in XXXX names, so they can not do a wire transfer. XXXX ... .the names on the checking accounts and the mortgage account are the same XXXX people..my wife and I. 

It is becoming clear to me that WF may be holding my money in a float account in order to earn interest on the funds, while paying me zero interest to the funds owners. If every escrow account is similarly held for at least 15 days, and perhaps longer, the total figure is substantial. A bank who invests substantial money in creating software that bounces the maximum number of checks in an overdrawn account ( to maximize the fees they can charge ) gets little benefit of the doubt from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On my free credit report from Equifax , an incorrect address, one where I have never lived is shown. To dispute items on the report, it says go to " XXXX '' Over four days, my computer ( s ) can not connect to this site. I suspect it has been engineered to make it impossible for people to correct errors.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a BBVA Compass account and they denied me saying " UNABLE TO VERIFY IDENTIFYING INFORMATION ''. Surprisingly, they were able to pull my XXXX report and state my credit score. They did not call me to verify at all what information they need. I called them to check the status before and they can not tell me anything but to reapply in 30 days. Sounds like a waste of a hard pull on my account. I am willing to provide any identifyinh information to them if they ask. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQUIFAX refuses to correct missing information from my file. I have XXXX accounts with XXXX XXXX XXXX yet they only report XXXX. In addition, they have reinserted an incorrect version of my name and an incorrect address as well as deleted numerous accounts with an excellent history. I believe this was done to " punish '' me for my repeated requests for correction of information as well as my previous complaints against them with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX we purchased a home at XXXX XXXX XXXX XXXX XXXX XXXX obtained XXXX and XXXX loan with Countrywide. made our payments on time until in XXXX when discovered that Countrywide committed a fraud on our loan. By this time Bank of America have purchased countrywide loans. We contacted Bank of America and asked them by civil code to provide us with all the supportive documents that we submitted when originally applied for a loan. After several attempts Bo of A legal department could not provides us with documents requested but advised me to file a lawsuit and subpoena their file. We stopped making a monthly payments and preceded with a lawsuit. In XXXX XXXX XXXX Bank of America transferred /sold our XXXX loan to XXXX and on XXXX XXXX XXXX Charged it off. In XXXX I received a XXXX and a phone call that U.S. Department of Justice and XXXX XXXX XXXX XXXX XXXX including B of A. Our loan was modified. I am planning to sell the property and move to XXXX but second loan is still showing on a Deed. I need that remove and since Statue of limitation is over, loan was modified and I should not be responsible for the amount showing on a Deed. I need your help to clear my Deed

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 04/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Barclays placed an unathorized rebill on my account. They may have spoken with someone at my home, but did not speak with me. I did not authorize a rebill. I have no idea why a rebill was exectured. I called to dispute this charge. I 've reported this charge as fraudulent. They resolutely refuse to refund the amount or to investigate the rebill as fraud. They refuse to process it as a dispute or to conduct a fraud investigation. They also have hung up on me during calls and refused to explain this process 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 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hunter Warfield is reporting to the credit bureaus that I owe them {$2400.00} due to an old apartment lease I had with XXXX XXXX. I have written, faxed, and called them requesting a detailed explanation of the debt, because I do not believe I owe the apartment community anything. Unfortunately, for nearly two months now, Hunter Warfield has not bothered to respond with this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The collection agency ResidentCollect Inc. is continuing to collect a debt that I am on the hook for only as a result of identity theft. I have filed a police report and sent the requested affidavit that the company wanted me to fill out. No action has been taken, and no investigation has been completed. This must be addressed immediately as my credit is still being negatively affected.

Company response to consumer: Closed
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Other mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (WA).
Issue: Settlement process and costs

Complaint: When we were purchasing our home, we were told that it had a perfect " Third party inspection report '', we were also convinced that it did not have XXXX or XXXX pending on the property, Because A. They were no XXXX or XXXX listed on the disclosure or home description, the Realtor said there were none when we inquired, who was selling the home, and the Buyer who showed up at the showing, when asked if there were any building restrictions, never mentioned the XXXX against the property. After we signed everything, we got a email from First American Title with the XXXX exposed. We told our Realetor we did not want the property, he said we needed to come down and sign the amended home disclosure, and that we could get out of the property and our XXXX ernest money would be returned. We waited XXXX days as we were told, and then were told we needed to file a law suit to get our money back. We told our agent NO XXXX or XXXX 's, we asked the agent, we talked to the owner, they all denied it, as well as the intial listing and disclosour having no mention of them. We were threatened with a lawsuit or lose our ernest money. I read an article about your ORg. in a magazine, I was elated to know I could vent this, I felt totally backed into a corner, with no way out. I felt that the First American in XXXX XXXX was at fault for disclosing this info late, the realtor was at fault for not disclosing this info at all, and the owner did not disclose this info when asked. And the realtor said we could sign and disputed the amendment to the disclosure. His manager said we had to take the deal or lose our money, he even said that " nobody reads that stuff '', This place had fell through XXXX before we bought it, I know they knew of the XXXX 's. I may have to eat this house, but when I read your article in a magazine, I felt that you could confront them and there less than fare Tiltle and Mortgage practices. The Realtor was XXXX XXXX XXXX of XXXX XXXX, Wa and the Title Company was First American in XXXX XXXX, WA They knew what they did was wrong, and they intimidated us to win.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 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 03/17/2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: NOTICE OF ERROR AND REQUEST FOR CORRECTION Chase This is in response to your letter dated XX/XX/XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of Financial Center that initiated the contracts ) on XX/XX/XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XX/XX/XXXX 
3. The rescission was proper, timely, and unchallenged by Washington Mutual in " XX/XX/XXXX ''. 
4. XX/XX/XXXX I put a copy of the same written request in the hands of XXXX of CHASE BANK. Chase did not challenge the rescission in XX/XX/XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XX/XX/XXXX were rescinded and extinguished XX/XX/XXXX. 
7. Chase did not acquire servicing rights from Washington Mutual on XX/XX/XXXX, as there were no loans to service. Chase can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by Washington Mutual FA against my property were effectively rescinded in XX/XX/XXXX and were not a part of Washington Mutual 's receivership by the FDIC in XX/XX/XXXX. 
9. Chase 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to XXXX is unconscionable. 
10. XXXX has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of XXXX '. Fannie Mae had a record of the loans with their corresponding numbers from Washington Mutual from XX/XX/XXXX. 
11. XXXX does not service or recognize the above listed Mortgage contract identified with ID # XXXX. Chase must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. Chase needs to remove the deceptive assignments of Security Deed as Chase did not acquire ownership to convey to XXXX. XXXX gained ownership of the defective paper in XX/XX/XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
Chase has yet to put in the public record that # XXXX no longer secures anything. Loan # XXXX has a zero principal balance. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: For quite some time ( more then a year ) ... I have been working on my credit report to remove and delete erroneous, inaccurate, accounts not mine, etc ... and in exercisING my rights PURSUANT TO THE FCRA , ..I  requested VALIDATION at le ast 3times fr om FURNISHERS, and disputed several ( at least 4 times ), and to this date I have no VALIDATION from the  XXXX  major credit bureaus (  XXXX - XXXX -  XXXX   ), ,especially  XXXX   XXXX  company . ..I 've re quested METHOD OF VERIFICATION ..and to this date my FCR A RIGHTS HAVE NOT BEEN HONORED OR RESPECTED.!,,,,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: Someone stole our debit card number and more than {$7000.00}. out of our BB & T bank account. My husband had the card in his possession, but when he used it, it must 've been copied or however criminals do it. I made a claim with the fraud department at BB & T bank and also a police report at the XXXX XXXX XXXX XXXX. I was then in a letter denied by BB & T for the return of our money. All of BB & T workers at the XXXX, Florida branch do not know policy and give you a complete runaround.

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 06/20/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The amount of said debt is XXXX, however, several calls and formal letters were submitted back in XXXX, with no following letter and/or correspondences for the dispute. I have no other information, other than the information which is listed on my credit report. I have asked several times for proof of said debt or removal off credit report. National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation