milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Debt collection (I do not know) with Allied Interstate LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016, I received a letter from Allied Interstate LLC a debt collection company attempted to collect an debt unknown to me in the amount of {$48000.00}, plus {$140000.00} in interest. The alleged debt total was stated to be {$63000.00}. 

This is an outrage as I do not owe anyone this debt. The letter says that the " debt due is a charge-off '' of {$48000.00}. 

The original Creditor is stated to be XXXX. The Creditor is stated to be XXXX. The Account Number for Allied Interstate is listed as # XXXX. I have not had any business dealings with any of the above referenced entities. 

In my letter to Allied Interstate LLC, dated XXXX XXXX, 2016, I disputed all aspects of the alleged debt and the authority of Allied Interstate to pursue any action of any sort against me. 

I submit that this activity on the part of Allied Interstate is a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and other consumer protection laws as well. They are attempting to collect a debt that is not mine. They are trying to collect some kind of non-existent debt from a securities " Trust '' of some kind - it appears. 

I also believe that they are threatening some kind of legal action, i.e., " If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt : ''. It is my understanding that these types of companies try to initiate lawsuits without properly serving people with the required notices. 

Allied Interstate LLC also states that, " Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 USC 1692 XXXX to sue to collect on a debt for which the statute of limitations has expired. '' EXPIRED!!!

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 04-02-2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Application processing delay

Complaint: I have applied for a CITI simplicity card on XX/XX/2017 & it took 10 business days for CITI to pull the credit report and process further. Later they sent a letter stating they tried to contact me but they could n't reach out to me. I reality I never ever received any call from them. They asked for additional documentation like utility bill & Pay stubs in a letter that I received from them in the mid XX/XX/XXXX. When I contacted the customer care they said I can even email the additional documents to XXXX and I sent it on XX/XX/XXXX. On XX/XX/XXXX when I contacted again they said they do n't accept the documents thru email and they only have to be faxed and they have to pull the credit report again. Unnecessarily they pulled my credit report and gave all wrong information and never specified that the credit reports expire every 30days. On XX/XX/XXXX when i talked to the customer care representative supervisor he asked me to fax the documents and they will pull the credit report again which came as a shock to me. I do n't get what took them so long to process the application and then they provided all wrong information and now they are saying they will pull the credit report again.

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 07/25/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a let ter to National Credit Systems to vali date and verify derogatory information that is on my credit report o n   XXXX   XXXX   2017.  I have not received anything back from this company. I sent another letter the end o f  XX/XX/XXXX  wi ll still NO response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with ALTERRA GROUP, LLC (FL).
Issue: Closing on a mortgage

Complaint: I started a loan process back on XX/XX/XXXX for a conventional loan with the Loan Officer XXXX XXXX NMLS XXXX, he give us the pre-approval and he told us that everything was verified, he ordered a FHA appraisal, when I asked him why, he told us that it does n't matter which appraisal is requested that he can switch the loans and seller can do whatever they want. In the middle of the transaction he said that my brother did n't qualified for the conventional loan we told him that the contract was specific for a conventional and I do n't understand why he makes me paid for FHA appraisal. XXXX told us that we do n't have to worry that he will approve us for conventional loan and he makes me paid for a conventional appraisal and we will close onXX/XX/XXXX. OnXX/XX/XXXXwe received a Loan estimate for a FHA loan with a seller credit for {$5000.00} that we did n't requested and a credit score 5.5 % that we never discussed about, when I asked him why everything look different with that high rate he said that 's the only loan we can have, knowing the contract specific said conventional. This loan Officer does n't even have idea how insurance work he asked me to paid for a hazard insurance with my credit card, when I asked him why he said : " because I said so and you do what I said '', when I contacted the insurance company they do n't have Idea why the LO gave me those instructions they told me that Insurance will be paid with the closing cost at the closing, and title will be distribute the funds. We are loosing so much money for the lack of knowledge of this Loan Originator and his unprofessional way to tread a customer. I have all the documents and different text messages showing all the wrong instructions this Loan Originator make us do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: " Open a TD Premier checking account and receive direct deposits totaling {$2500.00} or more and earn {$300.00} promotion '' XX/XX/XXXX : Opened a TD Premier checking account and funded it. 
XX/XX/XXXX : Direct deposit totaling {$2500.00} requirement was met. 
XX/XX/XXXX : No bonus has been credited to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: It let a XXXX young man stay in my home in late XX/XX/XXXX, who got a hold of my home depot  credit card. He started to use the card XX/XX/XXXXto buy himself expensive tools and power - equipments without my knowledge and also signed for the charges at the checkout. 
It was n't a big charge and I never thought that it was n't my charge. After receiving the statement I just went to pay the bill without any question. Home depot recognized that it was n't my signature but did n't let me know. When in later statements I was charged for more expensive items I called home depot and asked them to itemize the charges for me because I did n't recognize any of those. After the phone call I started a dispute against the charges.
Home depot given credit for those charges this time, but on XX/XX/XXXX I received a letter from home depot in which I was informed " we have rebilled your account and consider our investigation closed ''. 
Their decision was based, in part of the following : .... The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 

On XX/XX/XXXX I filed a police report about multiple credit card charges. 
Of all the credit companies, only homes depot who holding me responsible for the charges because " the person who used your card was living in your home, so you 're responsible ''. 

Yes, my card was used, and I was victimized by the person who used the card. 
But now I 'm victimized again by the credit company to pay for something charged by the thief and those items are not even in my possession! 

I really do n't think that it 's fair to pay for something I did n't buy or charge..

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 03/21/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from National Credit Systems Inc. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against National credit systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (AZ).
Issue: Account opening, closing, or management

Complaint: I have reported to the financial institution fraudulent usage of my information

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have already submitted a complaint that TransUnion is neglecting to close a disputed account through XXXX They have now LIED about the results being published as you will see here this is copy pasted from XXXX I now intend to take this issue before a Judge if this issue is not corrected - I have called TransUnion directly and they refused to deal with this issue in a professional way - Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion Dispute XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays XXXX XXXX Reported on XX/XX/XXXX {$150.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reason Accuracy : The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$5200.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX Reported on XX/XX/XXXX {$890.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$510.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 

As you see this dispute is still pending according to XXXX and that means TransUnion has LIED or are simplying trying to deny my rights to dispute inaccurate information on my report - Please TransUnion do the right and LEAGAL thing here and either close the disputes or delete the information -

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 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On or about XXXX XXXX XXXX, TransUnion has reported that I have an alleged {$11.00} unpaid amount owing to XXXX XXXX ( formerly known as XXXX ) -- from XXXX! My account status with XXXX is excellent. My account is current ( I am on the XXXX billing plan ) and has been current since at least XXXX or XXXX. 
This " {$11.00} balance '' has SEVERELY affected my TransUnion credit score : it lowed my score by XXXX points! 
Furthermore, I spent close to XXXX minutes on the phone with XXXX XXXX today, XXXX XXXX XXXX. The agent found NO instances of me owning them anything, even using past addresses and my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Vehicle loan or lease (Loan) with HSBC NORTH AMERICA HOLDINGS INC. (NV).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I am the husband to XXXX XXXX ( deceased XX/XX/XXXX ). I have faxed HSBC on ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and sent registered mail on XX/XX/XXXX ( received by XXXX XXXX ) requesting title for XXXX XXXX XXXX. I am a XXXX veteran and losing my wife of 40 years it tough and I really need your help. HSBC has refused to acknowledging receipt of any faxes, letters or calls, NOT ONE FORM OF COMMUNICATION AT ALL. HSBC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA. XXXX PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. 

XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. 

The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. 

When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. 

Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. 

I explained for the millionth time the situation. 

She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. 

Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. 


The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. 

Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. 

I am sick and tired XXXX. I am doing the best I can to keep the payments up. 

They have tried numerous times to collect from me after I have told them not to. 

I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. 

Hopefully my house will close quickly so I do n't have to deal with these jerks anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA 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 04/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2007 WELLS FARGO BANK.N.A. Committed loan fraud. 
XX/XX/2007 Wells Fargo sent crafted uniformed instrument documents to sign - exhibit- A as a security agreement endorsable for funds. 
Wells Fargo clearly makes a statement that a loan was made, this is false. 
Wells Fargo does n't and has not shown any accurate records according GAAP where the said loan came from after repeated inquiries. 
Wells Fargo has cleverly crafted the reading to make you believe that a loan was made to you. The wording usually goes like this in the beginning of the contract : " In return for a loan that I have received, '' I promise to pay .... 
Wells Fargo brought nothing to the table as collator for a loan. Wells Fargo even required XXXX Dollars just to get the loan papers brought me to sign, which I paid. 
Then Wells Fargo took the created a securitized note with my signature and stole it to XXXX or Stole it as a derivative on the stock market. Either way Wells Fargo did make a loan but made copies of a securitized promissory notes and has a past practices of selling them as toxic loans to other investors.

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 05-08-2015 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My ex husband and I had a finalized divorce in XX/XX/XXXX. Before that I was not living in the home since XX/XX/XXXX. XXXX XXXX XXXX was our mortgage lender and because my ex husband got behind on payments Selene Finance bought the mortgage. In our divorce agreement I was to get a quit claim deed and my ex was supposed to submit that to have the mortgage refinanced and taken out of my name. Well because he was behind on payments, and I have proof I was n't in the home since XX/XX/XXXX, the modification did n't go through with XXXX XXXX XXXX. Selene Financial bought the mortgage and keep giving us the run around. My name is still on the mortgage, therefore, causing my credit to plummet. I have contacted them and they have tried to now give me information but when I threatened them with a lawyer then they keep sending the same messages about the modification was denied and they will resubmit. Needless to say my ex has n't made payments on the home since XX/XX/XXXX!!!!!!!! This is very upsetting to me and I am ready to get some justice, get this house out of my name, and move on with my life. I am contacting you for help. Please help me in any way you can. Thank you!

Company response to consumer: Closed with explanation