milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to experience gross negligence I have 90 inquiries on my Experian report on XX/XX/XXXX I was looking through my credit report on experian.com and found 90 inquiries and a whole bunch of accounts that don't belong to me I tried to dispute them but they refuse to dispute called customer service and all they did was stall tactics I called him at XXXXXXXX XXXX. On a Saturday the stall tactics are so frustrating that I had to come here

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried contacting them numerous time and told them this account does not belong to me, all they do is give me an address to mail a dispute letter and never get a response. this is negatively effecting my account, as i am trying buy a house and this is only negative account on my file.

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 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was also forced into forebearance, not offered alternatives and have been paying loans for 10 years with no tangible result. High interest rates, capitalized interest, and mucky repayment structures dont allow a borrower to understand their debt and optionns.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Filed dispute with Experian on XXXX, XXXX & XXXX. The nature of my dispute was requesting contract with my authentic signature that started alleged debts. 
As of today, have not heard back from Experian.

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. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Transunion on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Transunion they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

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 08/13/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a call from XXXX Santandar at XXXX I was under the impression they are not to call after XXXX my time. It was inconvenient and the man spoke too fast I could n't get his name. 
I was already in bed when he called, thinking it was an emergency from my kids. 
We should n't have to be bothered that late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage loan was transferred to a new Servicer. The new Servicer would not honor the agreement from XXXX. The payments were sent in to the new Servicer - ( Caliber Home Loans ) and they were sent back, Now trying to put the homeowner in foreclosure instead of working with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Bank account or service (Checking account) with BANK OF THE WEST (VA).
Issue: Deposits and withdrawals

Complaint: I had an account with Bank of the West a few years ago. There security fraud department contacted me because they seen a computer system from XXXX trying to access my account. They stated that I had a mobile banking set up on my account and I did not. The security/fraud department contacted me four different times. They allow a payment to post to my account and then it was return as fraud and it caused my account to overdraft. They billed my account and closed my account after I told them I did not have mobile banking and they allowed the transaction to complete. The amount was around XXXX and this had negatively impacted my credit. I was billed for a security problem in there system and it 's not right that this was allowed to happen 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 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.

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 06/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft of Barclays Bank Delaware credit card opened on XX/XX/XXXX by someone using my personal data. I have provided all necessary documents, the police report and the FTC Affidavit report, to the Bank in order to justify as proof that I am the victim of identity theft. 
I am very disappointed with the Barclays fraud investigation process. I have mailed several letters ( via certified mail ) with my many important questions but I have never received any responses to my questions. I demanded answers to my list of questions, however, the Bank has not yet responded to my questions. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ). 
In my last couple phone conversations with the Barclays fraud investigators, their final conclusion of the investigation was that this card was activated by a phone call made from my home phone. I requested the Bank to mail me proof of any documents to support their claim. So far I am still waiting for their answer from the Bank along with many other questions as stated in my letters. I also asked the bank to stop harassing me with phone calls 3 to 4 times per day consistently and sending me letters to collect the money that I do not owe, and now the bank engaged the debt collector, XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
At this point, I believe I have provided all documents to justify that this is a fraudulent account and that I am the identity theft victim. Please help me to clear this ongoing issue with Barclays Bank.

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 05/28/2017 about Debt collection (Medical debt) with Midwestern Health Management INC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I    ma ile  d Northwest Financial Services    (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo.  XXXX  ) a certified letter on   X/X/2017   recieved on   XXX  -17 re   que sting they verify and validate all collections they have in my name. A full list of account numbers were provided. On  XXXX  -1 7 NWFS se nt via USPS a  print out of all accounts stating " we have verified the debts stated in your communication on   XXXX   -17 fo  r  " our clients claims ''. I have a few issues with this, 1 ) I requested they report to all   XXXX   credit bureau 's I have claimed a dispute. Per FCRA they have 30 day to do so and did not.
2 ) This debt was sold to NWFS they are a debt collection agency, they do not work for the   XXXX   XXXX   XXXX  .
3 ) Per the FCRA and Missouri Attorney General   XXXX   XXXX   XXXX   sending an itemized statement opinion letter does not constitute validation or verifacation.
4 ) The unfair and now illegal actions on the part of NWFS has not only damaged my crefit it has caused extream hardship to my person, not only financially bur emotionally.
Please contact me at   XXXX   or via email to resolve this issue.   XXXX   Thank You   XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Trouble during payment process

Complaint: I attempted to pay my mortgage to Bank of America in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX when I called to pay mortgage I received a message stating that my Bank of America Mortgage Account was closed. When I followed up with Bank of America Home Mortgage I was told that my account had been sold to XXXX XXXX. I received no notification from Bank of America about the transfer of my mortgage. I have now received a Foreclosure letter from Bank of America and a call from XXXX XXXX company informing me that I owe them two months of mortgage payment. I have not received anything from XXXX XXXX stating if the interest rate and payment I had with Bank of America remains effective. I have also not received any formal information from XXXX XXXX regarding the terms of my mortgage. I am apprehensive to pay Bank of America and XXXX XXXX because I don't know who I should pay and concerned that one of these companies ( Bank of America ) is trying to rip me off for thousands of dollars that I can not afford to duplicate to another mortgage company

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 05/20/2017 about Debt collection (Credit card debt) with DISCOVER BANK (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Discover Card has called me numerous times a day. I have told them I am at work and they ca n't just keep calling me so many times a day EVERY day! The most frustrating days I feel like it 's harassment is when they call an hour apart. They do n't leave a voicemail when they call, so they call you to pretty much accomplish nothing but annoy and bug you. People are busy and ca n't answer every harassing call, leave a ( This is all MST ) XX/XX/2017  calls at XXXX and XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX XX/XX/2017 calls at XXXX, XXXX and XXXX XX/XX/2017  calls at XXXX, XXXX, XXXX, and XXXX ( This day I got upset with a representative and asked that they not call me so many times, it 's harassment. It 's probably why the calls stopped for a few days. ) XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX XX/XX/2017 call at XXXX XX/XX/2017 call at XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX, and XXXX  XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: I have been trying to get the people that work at Experian to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.

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 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Good Afternoon CFPB- REQUEST TO LOCATE MY INVESTOR Case # XXXX I spoke with XXXX XXXX XXXX XXXX. The above case number is related but is not why I am reaching out today. 
I have been attempting to locate my investor for 2 years. My servicer BofA had repeatedly stated that they have no access to that information. With the new ruling we as homeowners have the right to know who owns our homes. Subsequent to this ruling the BofA sent me a letter stating the investor is Bank XXXX. 

I contacted XXXX and received their response that they are not the investor and do not physically own the loan or my property. The letter goes on to say BofA is the direct and only contact in regards to my request. 

So a dead end. I spoke with my contact person in the advocacy department BofA today, her records show XXXX as the investor, and she expressed an opinion that when banks absorb other banks accessing information gets buried and it may be the case that BofA may be both the servicer and the investor. 

This seems deliberate and calculated to continue to not have access to who owns my loan. I have a business plan that I have prepared to demonstrate viability in paying my monthly mortgage obligation. I sent his proposal to BYN by registered mail, signature required. here was no return of my business plan or the signature card, only the response email stating they are not the investor. 

MY SALE DATE IS XXXX XXXX, XXXX. I will send via fax the documentation I have referenced. 

I am glad I can bring this to your attention, and am asking that you can look into this matter. I have very little time remaining, and am hoping this sale date will be removed as CFPB reviews my documents.

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 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: i have a capital one venture card i 've been with them for quite some time. I 've called them couple of times to help me pay off my credit card faster by lowering my APR from 19.99 to a  lower one but they refuse.debt relieve programs are n't a option for me because they want me to close my credit cards and i need at least one for emergency.i have n't once been late with my payments throughout having this card.i think deserve a break from a high APR.if capital one cant help me by lowering my APR my only option is bankruptcy and I 've already  talked to a bankruptcy attorney he said he will get all the documents and papers ready to file. If they cant lower the APR postponing my payments for some time will help me but saving up the money and paying it of that way. but 19.99 % apr is ridiculously high.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Due to a medical issue this year, I had a struggle to keep up with my mortgage payment with Ditech. I called on XXXX/XXXX/2015 to bring it current. In order to get the payment made over the phone or online, a {$12.00} convenience fee is charged. My other option of payment, to avoid the fee, would have been my bill pay. That option would not have gotten the payment posted in a timely manner. I asked for their fee to be waived, but was denied. I explained to the person I was speaking with, XXXX XXXX XXXX XXXX ext, XXXX ), that the fee was high, considering I was trying to catch up on time. I asked how much time I had if I chose to use the bill pay option. I was told I did n't seem to understand my critical situation and I was taking a " XXXX '' attitude towards my responsibility. I had more questions, but did not feel comfortable at that point talking to this individual. Sometimes persons with the best intentions fall on difficult times. I wanted to seek assistance, but now do not know where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Student loan (Private student loan) with GRANITE STATE MANAGEMENT & RESOURCES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Granite State Management never sent the invoices to my correct address. They sent invoices to my father XXXX XXXX 's address in XX/XX/XXXX. I was living in XXXX XXXX, NV from XX/XX/XXXXXXXXXX/XX/XXXX and I now live in XXXX XXXX, CA. I never received any bills or invoices. Furthermore, they never emailed me, called me, faxed me or contacted me. They have zero accurate information about me. 

I only knew about the invoices when I came back from visiting XXXX XXXX in XX/XX/XXXX to my parents home address. By that time, Granite State Management had already had my invoices as 120 days late. 

I paid immediately the amount due and I have never missed a payment when made aware of the invoices. This can easily be seen with my account balance history. However, Granite State Management REFUSES to change these late payments and correct them. I filed multiple disputes with all 3 credit report agencies and none of them will make any changes because Granite State Management will not make the corrections. I never received any invoices or bills from Granite State Management. I was living in Nevada and can prove my residency from XX/XX/XXXX on. I was also never contacted. Granite State Management never spoke with me directly once. 

I have never made a late payment in regards to this account and never will. Granite State Management needs to correct the late payments and remove them. I can provide and will provide all documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX and Convergent Outsourcing are negatively reporting on my credit report with XXXX and XXXX that I am late and owe {$320.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.

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