milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX  several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.

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 12/26/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: Wells Fargo Loans ( XXXX XXXX and XXXX ) were originated by Wells Fargo and its affiliates XXXX witjout my knowledge or consent. I tried repeatedly to inform Wells Fargo that the loan was not mine and that Innevercsigned fircduchba  loan. They responded repeatedly that the loan is valid. I have decided to file a police report ( attached ), completed a notorized identity theft package showing my writing samples and signatures ( ttached ). I am attching the origination documentation with original signatures and handwriting as provided to me by Wells and XXXX. It is clear that my signature and handwriting do not match the application. Wells knows the individual who committed the fraud and Wells are in contact with the party. The party has indicated to Wells repeatedly that they accept responsibility. Wells continues to hold me responsible and has left me no choice at times but to pay this fraudulent loan to protect my credit but I can no longer do do. I have spoken to Wells Executive office and filed the fraud package. Wells knowingly has a loan that was falsely originated and have collected against that loan from me unjustly even though they know the perpetrator of the fraud and now have proof that I did not originate the loan.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with Synchrony Bank ( Lowes ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXX showed the fraudulent inquiry from SYNCB/LOWES reported to XXXX credit bureau XX/XX/XXXX. This is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Application, originator, mortgage broker

Complaint: On XXXX, we went onto our mortgage servicer 's website, Ocwen loan servicing to check to see if the information they have was correct. We noticed the last time Ocwen reported to the credit bureaus was on XXXX. We also noticed that we had no information prior to XXXX XXXX. In XXXX of the credit history reports, it reflects that Ocwen notified the credit bureaus a XXXX on XXXX & XXXX XXXX, when were were not late. We sent our payments to Ocwen by certified mail after we received our HAMP modification in the beginning of XXXX. Ocwen also shows that we have no payment history for XXXX XXXX, XXXX thru XXXX XXXX and XXXX XXXX to present. Please review our payment history printout. As you can see, from the payment history report that was printed on XXXX, we paid Ocwen on time since XXXX. Please review all enclosed documents. On XXXX, we called Ocwen to have these issues corrected but Ocwen failed to accurately report once again to all the credit bureaus. On XXXX, we went back on Ocwen 's website and printed up more documents. As you can see, Ocwen changed our credit reports and is now showing, no payment history available from XXXX XXXX & prior which is incorrect when we made our mortgage payments every month and on time ever since we had received our HAMP modification in XXXX. Per CFPB request, we can provide documentation that we made our payments and on time! If this occurs, Ocwen must be held responsible for my time/costs to locate all the documents! On the new credit history report from Ocwen, it reflects no history in XXXX, no payment history available from XXXX to XXXX XXXX, XXXX to XXXX XXXX. Enclosed are copies of the reports printed from XXXX website along with the credit bureaus reports for XXXX XXXX and XXXX XXXX along with a HAMP modification that was executed in the beginning of XXXX. Again, we sent all of our mortgage payments to Ocwen by certified mail every month and they were on time. Ocwen loan servicing has failed to comply by the law ( s ). Ocwen has failed to report our mortgage loan by law to all of the credit bureau 's on time ( monthly ) and accurately. Ocwen and it 's affiliates must be held accountable for their actions but not limited to the following ; fines being imposed, loss of business license, criminal charges, lawsuit. By Ocwen not reporting on time and accurately, Ocwen has damaged our credit history/rating ( fico scores ) causing us not to be able to get a loan. We request that Ocwen loan servicing correct these issues and report accurately going all the way back to XXXX, to all of the credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2013  to  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Closing on a mortgage

Complaint: Caliber closed with so many problems on my loan at the time of closing. When those errors and issues started showing up, I was told by XXXX XXXX - XXXX XXXX  in the XXXX, WA XXXX ; " You signed the closing documents, if you did n't catch these mistakes then that is your fault '' and then she hung up. 
I called Caliber 's corporate offices in Texas and explained what happened. The Vice President I was talking with paid attention and said all of the right words. I felt somewhat like something might actually take place, but actions show what words can not ; and their actions were nothing. I filed complaints with the CFPB and they kept saying how they did the best they could, but could n't take care of everything. Well is that the message you want to hear from your mortgage company. My loan was a slam dunk and the mistakes were an unprepared broker trying to get a file presented for closing, but she had to have that file prepared by close of business on a Friday and well, when XXXX PM hit she obviously had dinner plans because even though I kept finding number problems with more than 12 possible filings, all of which she said were right and none of them were. I 'm not a numbers guys and I was finding major issues with everyone and it was a problem for XXXX because she was late for dinner. The file was sent and I found mistakes several months after the closing only to hear those wonderful words from XXXX, " You signed the closing documents and if you did n't find these issues then that is your fault. '' 2 years later and I am trying to refinance and get the XXXX away from Caliber Home Loans because it has been two years of pointing out mistakes after mistakes and 3 complaints to the CFPB forcing them to do the right things, when I found that I can not get out of my loan with them because they messed up the title. I had to use their Title Company and I did n't want to because the same company made mistakes on one of my XXXX houses ; but Caliber said I had to use them or they would n't do the loan. Either Caliber or the Title company filed the builder number for the unit wrong and at the county is shows that I own a unit three doors down from me and they own my unit. I ca n't get away from them fast enough, but in this case I ca n't even do that until they fix this mistake ; and their response was we 'll take a look at it and get back with you in a week or so. 
Do n't use this company. Save yourself the pain and agony and go with another mortgage company. By all means do n't for any reason use XXXX XXXX as a mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: Please know that I have filed a lawsuit against Bank Of America, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Bank Of America. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Bank Of America completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Bank Of America Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Bank Of America And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Bank Of America Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07-08-2017 about Debt collection (Other debt) with Rent Recovery Solutions (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, certificate of authority to collect in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Medical) with Med-1 Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get calls at least once a day and sometimes twice about my son owing for a medical bill, they just called now again twice within XXXX minutes. Their number is XXXX, must be a collection agency and I consider this harassment for so many calls, why ca n't they send mail with their requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The company TRANSWORLD SYSTEMS INC. reported me to the credit bureau after I had set up payment arrangements on an account for medical debt .I was not informed that I could still be reported to the credit bureau after I had contacted them and set up arrangements to satisfy my medical debt. I made arrangements XX/XX/2016 for auto-pay to ensure they got their money. They reported me to the credit bureau XX/XX/2016. 
Nowhere on the statement does it disclose that I will be reported to a credit bureau. I was not told over the phone that I would still be reported 4 months after I had set up ongoing arrangements for ongoing satisfaction of payment of the debt. 
Unfortunately for me I was diagnosed with XXXX and this is what has happened, I feel as if I was taken advantage of and not presented with full disclosure. My credit has been perfect until my medical condition in which I had to quit my job.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Associated Collectors, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The first collection account was as a result of the billing policy at XXXX. Each visit to a different practitioner was billed to a different account. One of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The second account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the Emergency Physician Bill, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 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: XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.

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 07-07-2015 about Bank account or service (Checking account) with Comerica (AL).
Issue: Deposits and withdrawals

Complaint: I have XXXX proplems XXXX with XXXX and the prepaid direct express card. I have been on XXXX. Since XX/XX/XXXX.in XX/XX/XXXX I came up for review thats when my problem s started they denied me court date XX/XX/XXXX I had XXXX ( total XXXX with XXXX ) on the XXXX of XXXX which was out they really believed that it was XXXX but it was n't I called XXXX and was told that it would be rescu it was n't then I went thur XXXX. I appealed then every month or I had to go back and refile at one pointi had legal aide and they told that it was was fixed still no money I wrote all of the polictes in my state I recieved a response n I then told I had to reapply that news surprised cause for over a year finally I got a lwayer went to court in XX/XX/XXXX got approved I was to get a payee which did not do I was told I would get over XXXX lawyer would getover XXXX fine then I

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: I was charged {$70.00} in NSF fees by Wells Fargo. These charges were for XXXX debit card transactions that Wells Fargo paid. I declined the 'courtesy pay ' service when I opened the account, but was Wells Fargo opted to pay the debit card charges and assess me XXXX fees. Actual charges were XXXX, Wells Fargo paid it, then charged me XXXX, the other charge was XXXX and Wells paid it, then charged me XXXX. They declined to refund the money even though they verified I am NOT enrolled in " courtesy pay ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wakefeild and Associates is illegally charging interest on ER visits and claims that they have every right to do so. The refuse to make any settlement on the original debt and stated that the debt was not sold. The hospital specifically stated that the debt was sold and that no interest should be charged. 

I did offer to pay the full balance if the collection agency would send a letter stating they would report the balance as paid in full. They refused, stating that they will only send letters after the payment is collected. This is a bold faced lie. I talked with XXXX who refused to give a last name. 

I have been a debt collector for the last 7 years and know that the statements he made about interest, settlements and letters were all illegal and false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (PA).
Issue: Managing, opening, or closing account

Complaint: I received a pre-paid debit card that was serviced by the Citi Pre Paid Program. Unfortunately, due to a financial hardship and in the midst of moving to a new house, I misplaced my card. When I recently found it, the card had expired. Citi refuses access to the funds or send me a new card because they say the card has expired. I do not think that is right or fair. I would be ok if they charge a monthly inactivity fee but at least return the remaining funds to a hard working individual consumer who lives from paycheck to paycheck. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation