milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for Clarity Services. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. XXXX, XXXX, XXXX. please help me on this. Clarity Services, Inc. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (AP).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Before leaving XXXX, VA per my military order to XXXX, XXXX on XX/XX/2014, I personally and physically stopped by a XXXX Authorized store on XXXX, to present my military order and to deactivate my wireless services by XX/XX/2014. The answer I got at that time from XXXX that my wireless services will be put on " HOLD, '' until I come back XXXX, without any penalty nor charges. 
However, I sadly saw a collection account on my credit report under EOS CCA with a balance of {$990.00}. 
I am an XXXX XXXX XXXX XXXX, XXXX in XXXX, so the best communication is via email.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and  XXXX  credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   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   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Systematic National Collection, Inc. (UT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have received another attempt to collect letter from Systematic National Collections. They are not licensed to collect in the state of Utah and this is illegal to do. I have attached the proof of my most recent attempt to collect letter I just received in the mail. I also attached the proof that they are not licensed in Utah. They also still have not sent debt validation which is also illegal to continue to collect on a debt that they can not validate. If Systematic does not stop contacting me about this debt and delete this from my credit report I will contact my local Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: N/A on my account. Ca n't get into it. Ca n't send money

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Credit Management , Inc, is reporting me for collection unjustly because I tried to pay my supposed debt with them and they say that my account is under other company. However, they continue reporting me for collection. It is happening for at least three months. In addition, they have increased the amount of my debt without a reason. My question is, how a company can report me to collection when I have called them three times on three different months to pay my debt and they do not want to give a solution to my case? According to their representatives, my debt is under a legal department but I did not receive any paper from that department and also they have to supposed to receive my payments and do not report me for collection because I have been opened to pay my supposed debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Closing on a mortgage

Complaint: In XX/XX/2017, I co-signed on a house with my son. 
We are not behind on payments or otherwise in breach of contract. 
I am suspicious the note is fraudulent as we were never given a loan as stated in the promise to pay. 
The note is not notarized or signed by any bank. I have had written correspondence via certified mail with all parties at the closing table including the assigned servicer ( XXXX  ) asking for proof of the loan and have not received any proof of a loan only a copy of an EFT from the  lender ( PHH ) saying they transferred money to the servicer. 

I wish to rescind the note as there is no evidence of an ACV loan made and despite my asking at pre-closing as well as at the actual closing, the details of how the note was to be securitized were avoided and never disclosed. 

It is my belief that the originator used my sons and my loan application ( SS numbers ) as a security instrument that was used to withdraw the money from our own XXXX accounts, and then further sold the promise to pay as a bearer certificate to the open market. 

Clearly, through lack of any ACV transaction and lack of full disclosure, the note is fraudulent. 

Because of the scheme, how do I get the note rescinded? 

Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was divorced officially on XXXX XXXX, XXXX. In the divorce agreement it states the following : The wife shall have title to and possession of the XXXX XXXX XXXX and shall be responsible for any and all loan payments, insurance, ad valorem taxes, maintenance, etc. associated with said vehicle. 

I was to be relieved by court order of all car loan payments for said vehicle as of XXXX XXXX, XXXX. 

Wells Fargo has ignored this court order by the XXXX XXXX Superior Court & the state of Georgia. They have issued negative information to all three credit agencies regarding delinquent payments for this loan against me since XXXX XXXX, XXXX. I have repeatedly try to explain this information to Wells Fargo but they refuse to listen or abide by a court order.

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 01-08-2016 about Debt collection (Medical) with AR Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AR resources was told this was not my debt, and placed under dispute, they talked to the VA and VA told them it was not my debt, but still filed a collection agaisnt me

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit reporting agency Experian would not validate any information for XXXX accounts that I have asked for validation of on 4 separate occasions. By law they must validate with documentation any accounts that are reporting to my credit report but they have not complied with my requests.

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 09/26/2017 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: Was not notified of investigation status or results

Complaint: I have been requesting verification of the following account that Equifax continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my mortgage company and asked to be placed in on some type repayment plan. however I was turned down XXXX. I have been asking for assistance since XX/XX/XXXX when the loan was not as delinquent as it is now!! I spoke with a representative in the later part of XX/XX/XXXX in efforts to still save my home before falling victim to a last resort of filing Chapter XXXX order of protection. I am now being told I qualify for a repayment plan within the loss mitigation department ... REALLY!!!!!???? WHERE WAS THIS PALN WHEN WAS ASKING FOR ASSITANCE IN XX/XX/XXXX WHEN THE DELINQUENT AMOUNT WASNT SO HIGH. The reps only answer is she does n't know and this is a plan we offer within our collections department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Medical) with Amsher Collection Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I notified Amsher Collection Services ( ACS ) that their collection was not valid. I was never a patient at XXXX XXXX XXXX in XX/XX/XXXX, and requested they produce evidence, i.e. any document with my signature or any medical records with my name. I disputed this with the credit bureaus. Result was that the ACS refused to produce any evidence of my debt, re-aged the debt to the date that I protested it, refused to remove it from my credit report, and have not bothered to report again in over six years. It is now passed the statutory limit for collection and I want it completely removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, 2017 I wrote a complaint to you guys for charges deducted from my account for items or charges never authorized by me, Wells Fargo respond saying that they will investigate the charges and after numerous phone calls to clerks or what they call specialist they have no conducted a fair investigation that have a lot to think abaud how Wells Fargo conduct business. Last time I call I request to speak to a supervisors and they told me that they call me back in 24 to 48 hours as of today I still waiting for the return phone call, They talk me that they received proof of my charges, I request that they can send me those charges and compare my signature if they have something and they never send me the proof that they received. I 'm a XXXX years old man trying to fight this monster call Wells Fargo that the thieves have more credibility than a customer for the last 40 years. 
I will like to take this complaint to highter level and alto take Wells Fargo to small claim court because if they can not give me the proof maybe they can provide to the court.. 
Is very difficult to defend went you do n't have nothing. The thieves or crooks they did't left me a backup to present to the Bank. 
This is the second complaint about this matter and hope Wells Fargo can do their job. 
If they can prove to me that I authorized those charges I do n't a problem paying for service that I received but ca n't pay for service that I did n't received. 
I hope you can intercede to resolve this matter and I 'm attaching the only documents that I have. 
Also request that they call any car rental in XXXX XXXX for a week rental so that they can compare those charges. Normally they charge between XXXX to XXXX. 
If you need more information please call me at 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 explanation
Consumer complaint received 08-11-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are in a balloon mortgage payment and did not know about it. We thought we were in a 15 year mortgage. We were just notified in XXXX that the balloon had to be paid off. They told us we had to pay {$30000.00} by the end of XXXX, 2015, but now they asking us for {$8400.00} by the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Mortgage (FHA mortgage) with BB&T CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached documentation. BB & T claims to have received an incomplete Loss mitigation package on XXXX/XXXX/15. I have a fax confirmation that it was received XXXX/XXXX/15 and sent through mail and received XXXX/XXXX/15. I have a copy of the faxed / mailed and it was not incomplete nor received on XXXX/XXXX/15. Furthermore, BB & T stated this should be judiciated outside of Civil Circuit court since it was a " Federal Issue, '' did not wait for the court to rule on any of the objections / motions and proceeded without adherence to Federal law. BB & T had been notified on separate occasions that I, the Plaintiff, notified BB & T that there was already a Loss Mitigation in process with XXXX. After our last hearing, the opposing counsel said they would email me that day to come to a resolution and was never heard from again, despite my many attempts to reach his manager. BB & T was dishonest with the court and CFPB responses and ignored that I had a loss mitigation in progress with a HUD approved counseling center.

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 03/24/2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I went to the Citizens Bank on XXXX XXXX, in XXXX, MA and gave my son 's bank information in XXXX and wired {$200000.00} to XXXX do XXXX, where my son has a checking account. ( My son lives in XXXX ) On XXXX XXXX, I 've realized there was a mistype in the XXXX he gave to me. I called the Citizens Bank Wire Department and was able to fix the number and they told me the money would be available in XXXX on XXXX XXXX. 
Until XXXX XXXX XXXX, the money has not arrived in my son 's checking account in XXXX, but left my account on XXXX XXXX. 
I 've called Citizens Wire Department many times and they told me the money was transferred to XXXX XXXX XXXX and that XXXX XXXX XXXX would be responsible for that wire transfer. 
I 've asked if they could trace the money since it 's been more than 2 weeks, they ca n't. XXXX XXXX XXXX is the bank responsible for that and if XXXX XXXX XXXX has not called them to say something went wrong, they do n't communicate with XXXX XXXX XXXX, they assume everything went well. Although I 've been calling to let them know it has not. 
They also told me I could start a process to get my money back in my checking account with Citizens but I would lose the fees I 've paid for the wire transfer to be made. 
I just want to find out what happened to the money. Even if there was something wrong I should have gotten a phone call or something.. This is not the way a Bank should treat a client/customer who trusted the Bank. This is disrespectful! 
Another thing, they should clear state to the customers they are NOT allowed to do International Transactions and that their money is going to be transferred to another Bank for the transaction to be complete. 
I 've got all the dates and time I 've called the Wire Department at XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX minutes on the phoneXXXX XXXX - XXXX USA - XXXX minutes on the phoneMarch XXXX - Director of Bank - XXXX minutes on the phoneMarch XXXX - XXXX - XXXX minutes on the phoneXXXX XXXX - XXXX ( that day finally the lady told me they 've started a trace and someone would give me a call ) XXXX XXXX - One of their employees finally called ( XXXX XXXX ) but until that day they did n't know what happened to my money. 
I just want Citizens Bank to be responsible for the deal I 've lost in my country - that money was supposed to buy a condo and, of course, I lost the deal! 
I want Citizens Bank to trace all my phone calls ( They 've been recorded ) and try to figure out WHY their employees did n't take an action on XXXX/XXXX/15 when I made the XXXX phone call to complain about a delay ... They should know better. 
I used to work for the XXXX XXXX XXXX XXXX and they call their customers because a {$1.00} coffee. What about Citizens? what do they do for their costumers? 
I would appreciate someone to please investigate this case and force Citizens Bank to improve the way they treat their costumers and solve situation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Have tried to retrieve report on line - reports requested- with information - went directly to : we can not process your request, please call or request by mail '' when I call I can not get anyone on phone to help just given address and request for mail in form and payment check to process - wanting copies of SS card and other info - I have no way of securing info once it is mailed-all agencies are doing same thing -

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX Bank has added a duplicate Credit Account that was either previously recorded or previously removed from my Credit Report. This is according to XXXX 's records. Per the attached screenshot, XXXX added this duplicate record on XXXX XXXX, 2016. I would like the record removed. 

Thank You.

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 01/14/2016 about Consumer Loan (Vehicle lease) with DriveTime (NC).
Issue: Problems when you are unable to pay

Complaint: I leased a car from drive time in XXXX of 2014, and I never missed a payment. I have it automatically taken out of my checking acct. We 'll on XXXX XXXX they only taken XXXX dollars out when they should have taken XXXX ... They stated that since my acct was old that they system kicks the acct number out ... I then called them backed and gave them my cc number and my debit card number when I spoke to an rep he stated that it did n't go through, but that 's a lie because money was on XXXX. They repo my car and now I 'm paying over XXXX dollars extra which to me not right they should make for the towing as it was there mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Every month the interest gets higher and higher. It 's very hard to fix it, soon i will not be able to afford paying for this loan. This company is currently making students like me in a higher debt than we should be in, because i got an education.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Medical) with Credit Bureau of Bessemer, Inc (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Bureau of Bessemer continues to attempt to collect a debt that has been paid in full. My debt was paid on XXXX XXXX XX/XX/2015. I owed {$58.00} for a dental visit charge that exceeded insurance payment. Credit Bureau of Bessemer was paid {$58.00} plus a {$5.00} phone/debit card processing fee for a total of {$63.00}. It has been greater than 90 days and Credit Bureau of Bessemer is still reporting the collection on my credit file and is still attempting to collect the debt. This is illegal and immoral. Credit Bureau of Bessemer Should be fined and audited.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation