milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I submitted a case ( XXXX ) concerning fraudulent information on my credit file with Experian. Experian responded and was very helpful in helping me fix and permanently correct these numerous issues. On Saturday morning, XX/XX/XXXX I noticed that one of the accounts had resurfaced and is reporting again on my credit file. I tried to all the fraud department but they were unfortunately closed. So, I figured since Experian was so helpful via this venue in the past, it would make more sense to go back through the CFPB portal. To date, everything appears to finally be accurate with the exception of the following account : XXXX XXXX - Acct : XXXX, Date opened : XX/XX/XXXX, Balance : {$7000.00} I am attaching the response letter I received form Experian confirming that this along with several other accounts were in fact deleted to better help expedite this process. I am also attaching my previous drivers license as well as my now new " temporary '' license that reflects my new and current address. I am attaching both to help confirm my identity especially since it takes up to two weeks to receive the " hard '' version of this state 's drivers license. 
Thank you for your help with this matter. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The checking account from which my Wells Fargo credit card was paid from changed and as a result I needed to change my automatic payment detail on their website. I attempted to login and was repeatedly prompted that my information was incorrect ( using credit card, account and social security numbers ). I then tried to call the company and make payments over the phone, however, my card was no longer in the " normal '' card services and was only available for payments during XXXX-XXXX MT. Essentially, I was continually unable to pay the monthly amount because of this and several " referrals to a different agent '' despite sending several messages for the past three months. This has negatively affected my credit score.

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 03/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I was a cosigner on an auto loan for my wife with Santander. We completed an online change of address with Santander on XXXX/XXXX/XXXX from our XXXX SC address to our XXXX SC address after relocating. My wife and I later separated. She contacted Santander in XXXX XXXX and requested a voluntary repossession on the vehicle after financially not being able to afford it. I was not made aware of this until reviewing my credit report. Santander never contacted me regarding this. They never advised me that this repossession was taking place. I was denied the opportunity, as a signer on the loan, to keep the vehicle and make good on the account. I contacted Santander in writing on XXXX/XXXX/XXXX advising them that my rights had been violated and that as a resolution, I requested my account be deleted with the credit reporting agencies and my financial responsibility be terminated. They responded in writing with a copy of a letter sent to my old address, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Mortgage (Conventional fixed mortgage) with CONTOUR MORTGAGE CORPORATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I was shopping for a mortgage and was referred to XXXX XXXX at Contour Mortgage by a co-worker. I called for information and at first everything was okay. He began collecting my information. After about 30 minutes on the phone he asked that I provide sensitive information to him. I asked him if I could call him back, I then contacted my attorney to ask his advice. He told me to ask for a loan estimate from the loan officer. When I called XXXX back he told me that he needed my information. I asked for the loan estimate and he suddenly changed his attitude and asked why? I told him that my attorney asked for it and he answered that attorneys were idiots and did n't know what they were talking about. I tried to get him to provide me with a loan estimate, but he refused. XXXX told me that he had been in the business for over 10 years and that he was the expert and that I should have faith in him. I started to feel uneasy and asked if he could review the costs verbally with me which he did. I never received the loan estimate that I asked for. When I finished talking with him he asked again for my social security number and date of birth. Something did n't seem right so I did n't give it to him and told him that i 'd call back. When I hung up I googled the company which seemed legitimate and then googled XXXX XXXX and found out that he was arrested after being fired by another bank!!!!!!!!!! 
I am really disappointed that this is still going on. I thought that the government protects us against criminals, however they are apparently still out there. I do n't know how someone can be fired from one bank, get arrested and then be handling sensitive information at the next. It is baffling. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I qualified for proptery tax postponemt, but the servicer said that they were not particpating in the program, even though it was a state bill passed by the CA assmbly ... I have already had my first installment covered, but now am up in the air??

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Payday loan) with Critical Resolution Mediation LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On the morning of XXXX XXXX, XXXX at XXXX EST I missed a phone call from the number XXXX. At XXXX EST, I returned the call. XXXX answered and did not mention what company he is with. And continued to withhold the company information so that I could understand who was calling. He then stated that I owed a debt from XXXX and the amount owed of roughly {$250.00} from XXXX XXXX. I then stated that I currently did not have the funds but I am however looking to pay off my debts as soon as I get money to do so. He then said " XXXX XXXX is looking to get this handled within the next 2 hours or law enforcement will be sent to arrest you this afternoon ''. I told him that there was nothing that I can do right now. He then stated, " Well if you cant pay it now, I will go ahead and send over your information to have you arrested. Goodbye ''. 
I called XXXX back at XXXX EST. He answered and I said " May i speak to XXXX ''. His response was " Who is this? '' I stated my name. He then said " XXXX XXXX, I dont know why you are calling me back. You said you cant take care of the debt. Please do not call me back if you are not looking to pay. I wish you the best of luck, '' As he is laughing on the phone. I called back once more to simply get the company information so that I can have it for future reference. Another man answered the phone and gave it to me as he also stated that the debt owed was {$130.00}. A completely different number from what XXXX said. I explained to him that I could not pay it and that I would like to speak to XXXX because I feel that he was very rude and unprofessional. He transferred me to XXXX. He answered and stated " Stop calling if your not going to pay. '' Then hung up. 

XXXX violated my rights under the Fair Debt Collection Practices Act numerous times by stating false debt amount owed and also threatening to gave me arrested within the day of XXXX XXXX, XXXX. 

Under the FDCPA, it 's against the law for a debt collector to ( among other things ) : use threats of violence or harm use profane language tell you that you 're subject to arrest or imprisonment if you do n't pay your debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08-09-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: X/X/17 I tried to follow up with Amex to let them know I 'm trying to get my debt resolved and what I can pay. i explain to them that my business has faced a hardship and was forced to close, but i am willing to try to pay XXXX a month until the debt is resolved or i can pay remaining balance i XX/XX/XXXX. They are telling me if I do n't pay in full they will keep attacking my credit with late fees and past due payments even though i am still currently making small payments to the Closed account. I was offered 2 payment plans that were out of my budget at this time and i explained to the rep this is a closed account that i am trying to pay on i should n't be paying amounts as high as my car note to resolve this debt I 'm trying to make payments that i can follow through with and works best for me and my family cause they have to eat. so i do n't understand why they not trying to help me in my situation when I 'm trying to do the right thing and pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Trouble during payment process

Complaint: Someone has been fraudulently accessing my account, and they have my SSN and identification information. I 've called Chase 4 times requesting that security measures be placed on the account to prevent authorized access and disclosures. At first, after 3 hours on the phone with Chase, they said all they could do was change the account number and not allow access by SSN. However, I just called in today, and their system only asked for the last    XXXX   digits of the SSN, and it let me into the account. When I called Chase t oday, they now say they ca n't even do  (  the above ) as promised earlier and there is nothing I can do to secure access to this account. Today they tell me that are unable to change the account number and/or restrict access to anyone that calls in with the last  XXXX  of my SSN. I 've asked to speak to a supervisor and they refuse to transfer the call. The last person at Chase who I spoke to is  XXXX   XXXX ,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they called my husband and said I owed them for a cell phone bill. We paid it six years ago ( 6 ), a XXXX internet card. We also sent them a dispute letter via XXXX signed receipt. Thy reported it to the credit bureaus XXXX 2015. I called them and told them I disputed this and no communication has been received by me. I have requested a deletion of this account # XXXX, Enhanced recovery corporation XXXX FL XXXX ( XXXX ) XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report information on my credit report that does not belong to me. My report number is XXXX. 
The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how Equifax verified the information, including the business name and address contacted and the telephone number if reasonably available. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these entries be investigated and removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: currently trying to dispute derogatory information as well as personal information that may not be correct in my file I have XXXX potential negative account and was trying to get those corrected starting with XXXX home mortgage has to correct a wrongful foreclosure and payment history for almost XXXX years and the balance amount, also XXXX were currently in litigation because my vehicle was wrongfully written off! I feel like i 'm being cheated out of the credit I should really have, can a investigation be launched to see what is going on here with Equifax XXXX enclosed is supporting documents to my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancel the service of broadband with XXXX on XX/XX/XXXX and transfer my provider to XXXX. 
After numerous call in regard canceling of the service and returning device XXXX install for my connection to the broadband. ( I pay rent for more than 5 year every month for this device the cost of it on the invoice. is {$70.00}. ) I personally drop of the device at XXXX Now on XX/XX/XXXX I received a debt. collect invoice. from ERC for {$190.00} I call this company and I war refer to XXXX to dispute the the charges. 
XXXX will not talk to me if I do not give them my SS number,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Company Name : Great Lakes Company Type : Private Year Founded : XX/XX/XXXX Phone : ( XXXX ) XXXX Website : www.mygreatlakes.org Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX I have two student loan providers Great Lakes and XXXX. And Great lakes is horrible. 
I am completely dissatisfied with Great Lakes. I have both a subsidized and unsubsidized loan at a higher interest rate. I am writing this complaint to warn CFPB and other students who have loans or any associations with this company. Make sure to document " everything. " There is some serious unethical practices going on with this company and someone needs to make them accountable for what they are doing to consumers. They are not competent to manage any data in regards to loans. This is ruining my life, I lost the house I was in contract to buy right before it closed. Now I am stuck, and someone else bought the house it took me 2 years to find! My credit went from XXXX to XXXX.. 300 point drop form a 90-180 days or more past due DELINQUENCIES I Filed disputes with Credit B 's and I even called on XX/XX/XXXX and speak with the agent XXXX XXXX XXXX and the supervisor XXXX Ext XXXX I also emailed her. she looked into the account and could n't explained why my old account ending in XXXX from XX/XX/XXXX was still showing up as negative when I have a new account ( XXXX ) thats positive and paid as agreed she also advise me to dispute the old closed negative account which I explained to her I did multiple times and its still there. I only hope is to file a complaint to get those late payments or entire old account removed. I have been making all my payments and understand it is my responsibility to pay my loans. This is seriously effecting my life, already lost the house, now my car is breaking down, and can not get approved to get another one because of these late payments. The late payments were reported on XX/XX/XXXX through XX/XX/XXXX on all three CB '' s as serious delinquencies. I currently have an account that I 've been paying on time for 12 or more even when my account is in forbearance I still call in and make a payment. 
The dates are listed below. 

XXXX ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Applied for a Citibank Citigold account with promo code XXXX ( XXXX XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible. Finished all the requirements and was told that they can not honor because I was not targeted.

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 05-06-2015 about Debt collection (I do not know) with URS Holding, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Basically he contacted mother in law, when a home number was correct. Explain who he was, worked for,. This is in my husband 's name. Supposedly from XXXX. I asked for verification, says it was sent, explained mail carriers changed do n't have. I was in shock at time. Under impression not sending a validation. I wanted to call XXXX. Next morning realized we do n't have that account. Made demands to my husband had to be resolved by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with R & B Corporation of Virginia (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just viewed my credit report and there is an account from a company I have never heard of. This company never contacted me, by first class mail or certified mail. 

This company name is Credit Control Corp from XX/XX/2011. I have never did business with this company. I never received any letters from this company. They just put an account on my credit reports and left it. No right to dispute the validity of the alleged debt letter was sent. They have violated the FDCPA and the FCRA. 

If I did n't check my credit today, I would have never knew that this account was on there. This company has violated the FDCPA and the FCRA. 

I want this account removed from my credit reports. I have never heard of Credit Control Corp, Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I signed a {$2500.00} promissory note with XXXX. The original docs were altered after I signed. I filled a fraud compliant with XXXX. They agreed and waived the balance of the loan. In XX/XX/XXXX, Resurgent bought the loan and I refilled the fraud complaint and Resurgent agreed and waived the loan. I have not received any bill since XX/XX/XXXX. In XXXX XXXX ( last week ) I received a Mortgage statement for {$8500.00} from Shellpoint MTG. Confused, I called Shellpoint. XXXX, in the Shellpoint XXXX office indicated they purchased the " mortgage '' from Resurgent. The 10-year-old, {$2500.00} promissory personal loan magically converted into a mortgage attached to my primary residence. XXXX confirmed the loan was indeed a mortgage on my home and was in the XXXX lien position. Shellpoint is threating me with foreclosure and placing it on my credit. Statue of limitation on promissory notes is only 4 years. I shredded all my old XXXX doc 's long ago. I have called 3 times and sent in 3 requests for lien documents and strangely they ca n't find any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX formerly NationStar - XXXX XXXX XXXX Texas, XXXX, phone XXXX, holds the mortgage to our home. On at least five separate occasions, I submitted a regular monthly payment plus additional funds to be applied against the principal. When that amount was greater than the monthly mortgage payment due, the company applied the funds to the next monthly payment ( principal, interest and escrow ) rather than applying the additional amount to the principal. After each of these incidents, I contacted the mortgage company and requested that the amount be corrected. The prinicpal payments were corrected. I further requested that future payments with additional funds be applied to principal. On XXXX XXXX, 2017, I contacted the company after the fourth incident and also filed a complaint with the company. I have not received a response to that complaint. On XXXX XXXX, I again made a payment greater than the regular monthly payment due, and the company took two monthly payments out of the amount instead of applying all of it against the principal. Furthermore, the additional interest was not recalculated after these payments. My concern is not only the effect of these unfair practices on my mortgage but the impact on others as well that may not be aware of this practice.

Company response to consumer: Closed with explanation