milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: U.S. BANK DEEMED TO BE ACCEPTING FRAUD ACTIVITY WITH OUR CHECKING ACCOUNT. BY WAY OF ACCEPTING OR REINSERTING PAST AND PRESENT DEBITS TRANSACTION. WHICH CAUSING OUR ACCOUNTTO BECOME LOW SO FAST, WITHOUT AN EXPLICITY DETAILS TO US WHAT THIS AND THAT WITHDRAWAL, ETC. I HAVE NOTICE IT, BY RECOGNIZING OUR OWN FINANCIAL ACTIVITY VS COMPARING TO PRINT-OUT STATEMENTS I'VE ASKED FOR AT THE BANK COUNTER. I HAVE NOTICED SEVERAL OF FINANCIAL TRANSACTION I COULD NOT RECOGNIZED. BECAUSE I AM THE ONLY ONE DOING IT, AND NOT MY WIFE..AS BANK WORKERS TRYING TO SAY, MY WIFE MIGHT HAVE DONE SOME OF IT. MAKES ME WORRY ABOUT THEIR ASSUMPTION FOREMOST. SOUND SO EXPERIENCING WITH THEIR ASSUMPTION OF DOING SO PERHAPS. IT STARTED AFTER I CHANGED MY CARD NUMBER ENDING XXXX, AND XXXX, NOW I HAVE MOST RECENT ONE ENDING XXXX I AM SERIOUSLY CONCERNED ABOUT FINANCIAL MANIPULATION BANK WORKERS ARE DOING TO OUR ACCOUNT REASON WHY IT GONE TO LOW SO FAST ... .WHICH I NEVER HAVE THIS PROBLEMS BEFORE, EVER. SOMEONE OUT THERE IS STEALING OUR ACCOUNT PROFESSIONALLY WE ALSO DISCOVERED FINANCIAL SHORTAGE TO OUR ACCOUNT SUBTRACTING BALANCES FROM ACTUAL BALANCE. THIS TYPE OF ACTIVITY MUST RECOGNIZED, AND HAVE SUCH INDIVIDUAL PLACE UNDER ARREST FOR LAW VIOLATION. I SHALL SAY. ALSO ; XXXX AND XXXX DEBIT OUR ACCOUNT ... .WITHOUT OUR CONSENT. DOES CONCERNED US BIG TIME, THAT U.S. BANK WOKERS ARE AUTHORIZING THIS BY WAY OF " NEPOTISM, FAVORITISM, AND CRONYISM '' FOR SURE WITHOUT NOTIFYING ME FIRST. BECAUSE, I'VE TOLD THESE BUSINESSES ; THAT WE DO NOT ACCEPT " ON LINE PAYMENT '' AT ALL WHATSOEVER ... U.S. BANK STATEMENT PRINT-OUT AND MONTHLY STATEMENT ARE TOTALLY DIFFERENT BECAUSE ACTIVITY FROM MONTHS OR SO BEHIND ARE STILL EXIST 3 MONTHS AFTER ALL. SOMETHING REALLY DEVIOUS TOWARD FRAUDULENT ACTIVITY LEGITIMATELY.FRAUDS DEEMED TOBE FROM XX/XX/XXXX, ALL THE WAY THROUGH XX/XX/XXXX.. THANK YOU FOR ANY HELP. SINCERELY

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 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : XXXX Thank you in advance for helping me get these removed from my credit report.

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 02-09-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (TN).
Issue: Settlement process and costs

Complaint: My family had to put my dad into XXXX. He vacated his house on XXXX XXXX, XXXX. It 's XXXX XXXX and we 're still trying to work with Financial Freedom, the provider of the reverse mortgage on the property, to sign over the house. Financial Freedom has been impossible to work with : 1 ) Even though they throw around terms like " Single Point of Contact, '' we have never had a dedicated representative to work with. 2 ) It took five months to get them to recognize that the property was vacated. 3 ) It has taken three months to get the right forms to start the Deed in Lieu process. 4 ) Every time we call to get an update, we 're told conflicting information. Meanwhile, my dad is paying for utilities and insurance for a house he has n't lived in for ten months.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an collection account ) and negatively affecting me. 2. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I want to inform CFPB, that I have sent Debt validation and proof of claim letters pursuant to my private rights of action under FDCPA and FTC to CIT Bank and Onewest Bank Mortgage Servicing on several accessions. As of today, CITB has not validated, verified much less provide proof of claim according to law, FDCPA and FTC. 

In ADDITION I want to report that there was three Assignments recorded on my property XXXX XXXX XXXX, XXXX, CA XXXX that I just recently found out. 

The First Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX at XXXX XXXX XXXX Recorders Office, executed by XXXX XXXX XXXX, as Vice President for Indymac Bank, XXXX The Second Corporate Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX executed by XXXX XXXX, as Attorney-in-Fact for FDIC as receiver for Indymac XXXX, XXXX The Third assignment of Deed of Trust, recorded on XXXX/XXXX/XXXX and executed by XXXX XXXX XXXX, as Attorney-in-Fact for Indymac XXXX XXXX, XXXX. 

As it is well known, XXXX XXXX XXXX is an infamous robosinger. All you need to do is XXXX and enter her name to find out that she signed thousand of instruments and documents that facilitated the initiation of illegally foreclosing on properties without legal and lawful authority to do so for over a dozen different entities and with titles as Vice-President to Attorney-in-Fact etc. 

As you can see, I 'm very concerned as these assignments ' were recorded several years after the alleged loan was originated and is proof that there is broken chain of title. 

In CIT response letter, CIT claims that CITB is the INVESTOR of the loan. I never contracted or singed any agreements with CITB. 

In conclusion, I want for CITB bank as a DEBT COLLECTOR to respond to my debt validation and proof of claim demand according to the law, FDCPA, FTC and once and for all validate, verify, and provide proof of claim with someone with personal knowledge and authorize to do so under penalty of perjury. These are my private rights of actions and demand that these entities identify themselves under the law. 

sincerely, XXXX XXXX XXXX Please see the Exhibits attached to all these allegations

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Hi My Name is XXXX XXXX and I reside at XXXX MD XXXX. I have lived here for 10 years and having been hit by the financial melt down where I have fallen behind my mortgage for a while. My problem is that I have been working with Ocwen Loan servicing on modification of my mortgage. They have me sending documents over and over again and they keep misplacing them. They then sent me to a XXXX XXXX, where we discussed that my contribution partner income does show a year to date income on their pay stub, even dou we have a yearly income and have verifed that he makes that income every year..My last conversation with her was that she was going to get a letter directly from the employer and she could not she will let me know.She sent me an email on the XXXX saying she has not received the documents from XXXX XXXX mover but yet they have scheduled for foreclosure. Every time they need a document they just go ahead and schedule for foreclosure. It seems they are more interested taking my property from me and my family than at list review my documents for a modification. Please help me get reviewed by them .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 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: Hello : On  XXXX   XXXX  2017 a company by the name of Experian Business Credit on behalf of   XXXX   XXXX   XXXX   made a hard inquiry on my credit without my authorization or even knowing who they are. Their address is :   XXXX   XXXX   XXXX   *   XXXX   XXXX  , CA   XXXX   These type of hard inquiries of course lower a credit score and it is especially irritating when I do not have any idea who they are and I never authorized this inquiry.
I want this inquiry removed at once - please advise - Thanks!

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a {$2000.00} secured credit card with USAA since XX/XX/XXXXNo late payments & perfect payment record. In XX/XX/XXXXI was overwhelmed by debt & filed for bankruptcy. Unknown to me my USAA account was included in the Bankruptcy. Shortly after filing USAA sent me a letter stating that my account was now closed with them.
<P/>
I called them & asked what happens now. They told me that I owed them about {$700.00} and they would subtract that amount from the {$2000.00} credit on the account & send me a check for about {$1300.00}. I waited for this refund XXXX thru XXXX. On XX/XX/XXXX I called them & spoke to a rep named XXXX & I asked what the delay was in me getting my refund. I was told that the exact amount of my refund was {$1200.00} and I would receive it in 3-5 business days.
<P/>
That never happened & as of today XX/XX/XXXX it still has n't happened. I have made over 20 calls to USAA & spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. No results. In desperation I paid {$28.00} on XX/XX/XXXX to overnight the CEO of USAA, XXXX XXXX pleading for my money. I spoke to XXXX, XXXX, XXXX, XXXX & XXXX XXXX all from his office. XXXX assured me the " check was in the mail '' onXX/XX/XXXX. As of this date XX/XX/XXXXit has not arrived, nor do I expect it to. What a disgraceful outfit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was completely stunned as soon as reviewed my credit file and I found the past due payment of 30 days lates os af XXXX 2017 I  truly do n't understand how this error has gone wrong. I really believe that I had produced my fees to you as soon as I was given my monthly bill. My sole thinking is the fact that your monthly report did not make it to me. How can I have a late charge when I sent in the payment?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am working with a settlement company. I have had 4 different companies try to collect on the part of the debt that should be written off. I have also had the settlement company claim that they reached an agreement with the company but not record the payment that the settlement company should have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I obtained a copy of my credit report and when I attempted to dispute information in the file by way of their website, it was not able to be done. The site required me to mail in my dispute with a fee.

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 02/15/2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX was deleted by XXXX, but they have reinserted the collection account on XX/XX/18. By Federal law the FCRA requires a 5 day notice in writing before reinsertion of this debt. The debt was deleted due to ID theft and has been reinserted. I have provided proof that this account was deleted from my credit report and I do not have a contract with this creditor.

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 08-06-2015 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.

Company response to consumer: Closed
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: We are current customers of Pacific Union Financial and had previously done a purchase and refi with them. XXXX XXXX we wanted to take advantage of lowering our rate. We started the process then and are now as of XXXX XXXX XXXX still in this refi process. Our file has been passed around numerous times. It took them 1 month to review and sign off our appraisal. I emailed a processor and it took almost 3 weeks to get a call back from the company at which point we found out the processor no longer worked there. And amid all of this we keep getting charge rate extensions for something that is not our fault. If the company would have been doing their job and following up on customers files when a processor quit our loan would have been closed in XXXX or XXXX with our rate at XXXX and no discount points. Now we are in XXXX XXXX, rates have worsened and the company is passing on all of the rate extensions on to us. This was not our fault. The company should cover this and credit us as they are the ones who have been dragging their feet closing a simple refinance. Loan started with XXXX XXXX on XXXX/XXXX/XXXX. We got a processor assigned XXXX/XXXX/XXXX not sure why it took a month for that. Appraisal was done XXXX/XXXX/XXXX but not signed off until XXXX, almost another 30 days. Then the processor XXXX was no longer with the company as of XXXX. XXXX/XXXX/XXXX was the last email we received from her and then we received an email from another processor XXXX/XXXX/XXXX, almost another month. This is very frustrating and not how a customer should be treated. All we want to do is close the loan with the terms they promised us when we started this process. All of their delays are now making us have to come in with an outrageous amount for closing costs because they keep charging us extensions for their terrible service. This is unethical and not a best practice for a mortgage company. They are adding the extension that now total up to {$9100.00} for discount points due to their own errors and delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Problems when you are unable to pay

Complaint: In XXXX of XXXX, I got divorced from my ex husband. He was awarded our XXXX XXXX XXXX, that XXXX financed through USAA Bank. In XXXX or XXXX of XXXX, a tow ruck appeared at my home, and the driver proceeded to try to repossess my XXXX XXXX XXXX, which was at the time current on the payment and finances through XXXX Bank. I had the police come to the house and they were able to get the report guy to put the car down, explaining that he was trying to take the wrong vehicle, the police had me open my garage, to prove that the XXXX XXXX was not on my property. This was the first I was told that the car was behind on payments. My ex turned the XXXX over to USAA sometime in XXXX. At which point I sent them the divorce decree showing that I was no longer liable as he was awarded it in the divorce. In XXXX of XXXX my ex filed bankruptcy and USAA started once again reporting a charged off car loan on my credit. In XXXX XXXX I ended up paying the car loan to settle for a lesser amount to stop the negative reporting on my credit report. Since I paid them they have continued to report it as a charge off. Multiple times every year.. I have tried contacting USAA regularly to resolve the issue. I keep getting transfered all over the place and no one is able to resolve the issue.. I have been turner down for XXXX banking positions with the excuse that they can not place me in a position of loan origination with this charged off car loan on my credit. I did not get the car repossessed, I did not file bankruptcy, and I paid them to settle the account, even though I was no longer legally liable as that is what USAA said needed to be done for it to be removed. I just went again in the beginning of XXXX to try to refinance my home and am shocked to see that the bank has yet again reported the charge off as of XXXX XXXX XX/XX/XXXX..every time they report this my score drops XXXX point and I can not refinance my home. What is the point of paying rg debt if they are not going to leave my credit alone and are going to continue this harassment, which I thought was illegal. Please send me the name of an attorney in Arizona who can help me.. Thank you XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: With Equifax, I have numerous accounts and addresses, social security numbers and accounts that are not mine nor associated with me. I have filed several disputes and spoke to their Disputes Department and then it was eventually escalated to the Office of Consumer Affairs. Needless to say nothing was resolved in fact on XX/XX/XXXX more accounts were added to my credit report which negatively affected my credit report. The accounts added were a judgment from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX.This account I spoke to XXXX which stated they have no information for me having an account. However, they stated I needed to contact the credit bureau to have it corrected but the credit bureau stated I needed to contact the creditor ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX. This particular account was deleted from Equifax only to re-appear 10 days later and the explanation was the creditor does not verify any documentation to the credit bureau. The creditor validates the debt themselves and electronically communicates it 's been validated with the credit bureau 's ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ). This account was also deleted and re-appeared 10 days later with the same explanation as the previous account ). There are several addresses that are not mine which I attached supporting documentation of my current address. Equifax asked me to identify my identity by filling out XXXX Form which I provided to them on XX/XX/XXXX. I spoke to Cal with Equifax in The Office of Consumer Affairs on XX/XX/XXXX and he was extremely rude and he stated that they received the documentation on XX/XX/XXXX. The previous representative stated that they received it on XX/XX/XXXX but no one has reviewed it yet and that was on XX/XX/XXXX. This issue with Equifax has hampered my home buying process due to inaccurate and frivolous information. I am at risk of losing my earnest money and my contract on the home. I have been dealing with issues with Equifax for almost a year. I need this resolved within the next 10 days or I will seek legal consultation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have previously disputed this credit card account from XXXX with both Transunion and XXXX. I have disputed the account several times and each time receive a different response from Transunion. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off in XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Transunion credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. 
Please delete the XXXX credit card account from my Transunion report.

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