milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Debt collection (Mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: NOTICE OF FILING CERTIFIED FRAUD EXAMINER AFFIDAVIT NOTICES IS GIVEN That XXXX XXXX XXXX, debtor hereby files a certified Fraud examiner Affidavit, with the propose to clarify Objection to Confirmation of Plan and Standing of creditors One West Bank Mortgage Servicing, a division of CIT Bank XXXX. 
FOR HIS CONCLUSION : One West Bank FSB does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. According to PSA which created the trust which currently owns the loan, the only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the IndyMac XXXX XXXX. However, XXXX and IndyMac Bank, FSB violated their own securitization trust documents. Therefore, XXXX lost its interest in the subject property and its right to foreclose by violating its own PSA, giving both the homeowner and the REMIC investors a cause of action for fraud. 
I 'm victim of Robo Signer and all the proof are on this Certified Fraud Examiner Affidavit attach. 
THEREFORE, I respectfully request that this Honorable Court take this Notice in Consideration. 
I HEREBY CERTIFY That a true and correct copy of the foregoing has been furnished by U.S MAIL to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX and to XXXX XXXX Trustee XXXX XXXX XXXX at XXXX BOX XXXX, XXXX XXXX, Florida XXXX this XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have applied for the XXXX Loan Forgiveness program with Fedloan Servicing since I completed my 5th year of XXXX in a XXXX XXXX. I submitted an application on XXXX XXXX after submitting applications previously because I had to make constant corrections after being denied due to mistakes in the application because of failed communication by the company on how to fill out the application, which is very unclear. I received a letter today regarding the denial of my application which stated that Section 3 was not filled out properly. I have been trying to apply for this loan for quite some time this summer, and I keep getting different information as to what needs to be filled out and what does n't need to be filled out by each costumer service rep that I have spoken to. I went over the application with the last rep who told me how to fill out my portions of the application and how each school needed to fill out theirs. My districts have filled out their sections correctly, but yet my application got denied because they " did n't '' fill it out correctly. In addition, I got another e-mail stating my loans have been put in administrative forbearance. If it were n't for me checking the status online, the company never communicated this to me nor is being clear on how to fix it. I need this to get resolved immediately, and I need to be assigned one person who understands this process. I will not continue to talk to multiple reps who keep changing the rules of this application. I want one person from beginning to end who will make sure that this gets handled properly because this process has been absolutely ridiculous to deal with. I have my application and evidence that I have serviced in XXXX. The XXXX are also listed online. The individuals who filled each application out for me are the same people who have continually filled out this application for other people and never seem to have a problem with it. My XXXX and I do not understand why the application is continuing to get denied when I 'm qualified for the forgiveness loan and everything is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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 contacted Experian regarding two accounts that were opened as a result of Identity Theft Experian removed one of the accounts which was found to be fraudulent that being XXXX XXXX XXXX XXXX acctXXXX .... Bal Account charged off. {$5900.00}. They advised upon removal it was found to be fraudulent and was removed in 2016 Experian advised the Creditor requested contact as well. So I contacted XXXX as they said I should I then provided them all of my contact info per their request. Now a year later they reinserted the previously deleted information and Experian subsequently is verifying the account as my own since XXXX now has all of my actual information. This in itself in is a violation of FCRA and XXXX. This account needs to be removed immediately and any reinsertion is to be barred. I did the same thing with XXXX - XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Account Number : XXXX .... 
I was advised this account was opened via a credit alert. Immediately notified experian and requested removal. I contacted the creditor provided them my info which they subsequently added to said account. Now once again Experian is " verifying as my own '' the information on the account was out of New york a place I have never resided. This again needs to be removed immediately. There was also a credit fraud alert on all 3 bureaus advising I must be contacted prior to opening any accounts which was not done as well. These accounts are fraud and should not be listed. If they are still on my credit in 30 days I will be filing a lawsuit against Experian. 
The following Inquires are also a result of the above listed fraud and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 07-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I SUBMITTED TO TRANSUNION 3 TIMES AND THEY ARE NOT REMOVING AND KEEPING UPDATING THE STATUS DATES. ALL THREE COLLECTIONS ITEMS ARE INCORRECT AND NOT MINE. I 'VE REQUESTED PROOF FROM THEM AND NOTHING HAS BEEN SENT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: XXXX   XXXX   XXXX  is on my Equifax report as a closed account that was charged off. It was already removed from Transunion and Experian during the identity theft investigation. I called Equifax to find out why it had n't been removed. They could n't give me an explanation that I was satisfied with. It was removed from the other bureaus back in  XXXX . Please help me remove this negative item that does not belong to me so I can recover my good credit standing. I have been extremely hard to keep my credit good because it effects so many parts of our lives today. Please please please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (WY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company (   US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (NC).
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 several accounts with Navy Federal CU and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Cach , LLC is reporting an account on my credit report which I do not recognize. I 've disputed it with XXXX claiming it does n't belong to me. XXXX bureaus claim it 's been verified and said I needed to contact the data furnisher to get further information. On XXXX XXXX, 2016 I mailed CACH , LLC a letter requesting all information verifying this account belong to me & they could verify the debt. They have ignored my request for information & are still reporting the account on both XXXX & XXXX credit agencies. I would like this removed immediately since it has been over 30 days since I requested the information & they have never verified/validated the account.

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 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called transunion regarding inquires that were n't on my report in XX/XX/XXXX and XX/XX/XXXX, I checked my report iin XX/XX/XXXX and XX/XX/XXXX only to see things that were deleted then inserted and the years and dates had changed, I was n't given any type of information regarding the interments, I called to question them they stated there was nothing they could do being that the accounts of the inquires did n't state they were during the glitch yet they do know previously they didnt appear but because they are on there and documented they cant be removed

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 11-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from a debt collector whom i do n't have a contract with or never had any dealings with, I tried to call and clear up the matter on XX/XX/XXXX and was hung up on several times. On XX/XX/XXXX this was place on my credit report. This is not my debt and this should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Bank account or service (Savings account) with Comerica (PA).
Issue: Using a debit or ATM card

Complaint: Direct express debit card company owes me XXXX dollars for breach of agreement for delivering my new MasterCard beyonthe two bussiness days express XXXX starting from issue date XXXX XXXX, 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Citibank response to complaint number XXXX handled by XXXX XXXX from Citibank was inaccurate and incomplete. I have never been given a Client Manual of Consumer Account from Citibank for any of my checking accounts. In his response to my complaint he supposedly downloaded this manual for for my review of Citibank policy in regard to stop payment of checks, but only the cover page of manual was enclosed. ( I wonder if this was done on purpose and used as reference just to deceive CFPB and me ). The records on my checking account were modified in regard to check number XXXX for {$1700.00}. Teller # XXXX does not appear on the records anymore and neither a copy of the check is available for my review unlike with previous checks I have written.

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 02-07-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus, Inc. purchased my loan a few years ago and I have had problems with them from day one. You settled one dispute for me and now I have another. Account number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. I recently had my loan refinanced by XXXX XXXX so that I could have XXXX that insurance does n't pay for. Seterus should have mailed me a mortgage Interest Statement, Form XXXX but I have never received it. When I try to call they say the forms were mailed XXXX XXXX ( from XXXX, CT ). When I try to contact them via internet it says not a working account. I am having a XXXX XXXX XXXX and wo n't feel like taking care of my taxes for several weeks after and would like to take care of it before if possible. Can you help make them send my Interest Statement for 2016? Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WY).
Issue: Account opening, closing, or management

Complaint: I had Wells Fargo for many years and had to switch about two years ago as my questions about service charges, transfer charges, all sort of charges and get never get a resolution. I was even charged {$90.00} for a check to was returned ( was not to have happened as husband WAS added to account ) My late husband left me a large amount of money and when I went to bank for help with accounts etc., I was told to open XXXX different accounts with {$30000.00} in each account and if needed money, I could transfer between accounts. Why not put it all in XXXX account or XXXX at most. The girls last name was XXXX here in XXXX, WY. My many attempts to get help from the local branches was stonewalled by all local people. XXXX woman at the XXXX branch tried to help and must have been told to back off as she told me that even if her supervisor looked at my account and there was nothing they could do, really!!!!! I looked at all of my accounts numerous times and never could figure out all the crazy charges and the bank was obviously not going to help so I left, mad I might add and in talking to many people about this they had they same thing.

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 01/17/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Entered into an agreement with homeward residential in XX/XX/2016 to refinance a mortgage. Complied with every request ( many excessive ) for documents, only to have Homeward continually stall and drag out the process. The end result is that I have spent thousands of dollars to refinance, without any action by Homeward to approve/deny the refinance. The rate lock expired - we were guided to extend at " no cost to us '' but Homeward added another point to the closing costs. The rate lock expired a second time, again Homeward added another point to the closing costs. Homeward 's actions show they never had any intention of following through with this refinance, and provided fraudulent documents to keep me from going with another provided. This amounts to a financial loss of more than {$100000.00} due to Homeward 's fraudulent and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of Synchrony Bank/Lowes is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before XXXX XXXX attempts any debt from me personally without proper documentation.

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 01/19/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had many issues with Ocwen applying charges to my mortgage. The most recent one is from XX/XX/2016 they stated that they paid my utilities. All utilities have been paid by me and have proof of statements that have been mailed to me and payed by me. This is not the first time that Ocwen has charged me for utilities that were paid on my behalf to the utility company. I have called XXXX and both have stated that statements get mailed to me not the mortgage company. Previously I have double paid these bills to Ocwen because they offer no additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got an update on Transunion that the score has changed. Upon checking, I noticed that XXXX points dropped for NO REASON. Why would my score drop for no apparent reason? There are no new information on the credit report. I would like to know why my score dropped for no reason. I am applying for mortgage and can not get qualified because of your incorrect scoring.

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