milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the XXXX XXXX Mortgage because I do not have a mortgage and have already had it removed from my credit report XXXX. They investigated and updated my credit report. I also do not have an account with XXXX XXXX and disputed it to have it removed from my credit report. Once again XXXX investigated and it was removed from my credit report. I do not understand why there are XXXX credit reporting bureaus anyway. They never have the same information on a person anyway. I think if there are going to be XXXX ( XXXX Equifax ) then they all need to have the same information on a person. That way when a potential creditor pulls a report from whoever they normally pull from, it will have accurate information because all three bureaus have the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with Caliber Home Loans, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: From Friday, XXXX XXXX, 2016 until Friday, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX and Her True and Lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) has made it crystal clear via faxes sent and eighteen phone call conversations with CALIBER HOME LOANS, INC., during the timeline as stated above that XXXX XXXX XXXX has been deceased for approximately three years and eight months, and secondly, the property that CALIBER HOME LOANS, INC., is attempting to attach to CALIBER CONDUIT ACCOUNT NO. XXXX, is not and has never been property that was or is a part of THE ESTATE OF XXXX XXXX XXXX. ( open first " XXXX Attachments. '' ) CALIBER HOME LOANS, INC., was also clearly notified on Monday, XXXX XXXX, 2016, via a " GENERAL POWER OF ATTORNEY '' that no USPS mail or any other mode of mailing shall cease and desist from being shipped to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, but CALIBER HOME LOANS, INC., has now violated the FAIR DEBT COLLECTION PRACTICES ACT twice by shipping USPS mail to mailing address as stated above, instead of following what the GENERAL POWER OF ATTORNEY clearly instructs, which is to mail to XXXX, XXXX XXXX XXXX, c/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. ( open " Fourth Attachment. '' )

Company response to consumer: Closed
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Integrated Recovery Services (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted, she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations, she stated they follow their own regulations then put me on hold and did not return to the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding a listing on my credit report. This response is in reference of a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested involving an unknown creditor listed as XXXX XXXX on my credit file. I continue to dispute all referenced matter from any company named above. The dates they provided were a conflict as my residence was in the state of Texas. I have never contacted anyone form this company. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I have never entered into any contract with your agency. The information submitted provided non substantial evidence of any contractual matter between the above mentioned and myself. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. I am requesting all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, 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 explanation
Consumer complaint received 12-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with NAVIENT and XXXX because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, XXXX, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer NAVIENT. I 've never had any way of knowing that NAVIENT now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH XXXX, who I had been paying faithfully. Finally, XXXX lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Let me be clear. I have paid all my mortgage payments in full, to date. I bought my home in XXXX and immediately set up automatic direct debit every XXXX of the month to the mortgage company, XXXX XXXX. Sometime in XXXX, my loan was sold to Citibank, who expected a XXXX payment. I immediately contacted Citi, who assured me they would recover the funds from the previous lender. When this did not occur, I contacted XXXX XXXX, and was told the date, amount and tracking number of the wire transfer. I called Citibank, but still nothing. I made a very long conference call with the two, ( XXXX from Citi and XXXX XXXX from XXXX XXXX ). The Citi rep recorded the info of the transaction. XXXX also sent the info. Still nothing. Citi told me to fax my bank statement. They must have given me the wrong number as I spent about an hour faxing to a bad number. I repeatedly called Citi, which is always very time consuming and sometimes even impossible to connect. On one occasion, they informed me they had found some of my mortgage payment, but not all, and therefore would apply none. ( They would have never revealed this info, if I had n't asked ). Becoming increasingly aggravated, I told them, recovering the rest of this payment and the associated discrepancies is beyond my ability. I merely pay my bills and as I had no control over this transaction, Citi will have to find my money. I have helped as much as I can. Rather than directing their energies to finding the mortgage payment I made on XXXX XXXX, they have instead chosen to harass and threaten me. They call me at work, on vacation, ( verbally abusive ) send me threatening letters, to foreclose on my home, damage my credit rating, which would seriously jeopardize my job. I have spent so much time trying to solve what I consider their problem, and now they expect me to take time from work to meet them. I called a local branch to try to set up a meeting but was unable to get through. If there is a problem with XXXX XXXX, why am I in the middle? It 's not my field, I 've told them, repeatedly. They bought the loan and the associated payments. My job is very important to me, and right now I am way too bogged down, to get further involved in and stressed out correcting Citi 's incompetency and misconduct. In fact, when I do have time, I will look into getting this note into the hands of a more professional and respectful lender. ( By the way, the missing money amounts to about {$250.00}, which really does not justify Citi 's hostile behavior. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: There is a Bankruptcy being reported on my credit report by XXXX XXXX and Experian that does not belong to me.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, EQUIFAX, XXXX ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said th at one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. Th e attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I logged into my Huntington bank account. I scheduled a " bank-to-bank '' transfer of {$2500.00} from my Huntington checking account to my XXXX XXXX account. Both of these accounts are in my name and appear identically on each corresponding statements. 

However, the transfer never arrived at my XXXX XXXX account. I contacted Huntington 's customer service over the phone and they said that they could not provide any more information over the phone and that I would have to come into a branch. 

Soon after, I noticed a deposit hit my Huntington bank account of {$2500.00} on XX/XX/XXXX, but it was on hold. I called customer service again and asked why it was on hold and they directed me to visit a branch. So, I visited a Huntington branch located at XXXX XXXX XXXX  XXXX, XXXX, OH XXXX. I spoke to a banker about the deposit hold and the transfer issue. I explained the situation noting that I input all of the information on Huntington 's website and I did n't understand why the transfer did not go through and even further why there was a hold on its return. The banker called another department of the bank while I was sitting there and inquired with me. She was notified on the phone that the transfer issue was due to names not matching on my Huntington account and XXXX account. I provided her a statement from my XXXX XXXX account that I was trying to send the transfer to and she agreed that my name did match exactly on both accounts. She said, after speaking further with the other department, that the issue would be resolved automatically and the hold on the deposit would be removed within a week. 

However, two weeks passed and the {$2500.00} deposit was still on hold. I called again and chatted online with representatives multiple times over the course of nearly three months and each time was told that no further information could be provided about the hold and that there was no estimate to when the issue would be resolved. It is now XX/XX/XXXX and the deposit is still on hold and I 've received no further information. It has been far too long at what originally was a very simple mistake on Huntington 's part by both my account and the banker I met with. I hope this issue can be resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I used the OneMain website to inquiry about their personal loans and their website is very clear that it will be a soft pull on your credit report. They in turn did a hard pull. I twice asked them about this and they gave a standard answer. I have attached all documention and have sent letters to all 3 credit reporting agencies to have this inquiry removed. All pertinent information and proof is on the letters I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have tried to dispute the issue but the company says it has no record of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Payday loan () with CURO Intermediate Holdings (NM).
Issue: Payment to acct not credited

Complaint: During a financial emergency I sought a fast pay day loan online and received XXXX through a XXXX recommended partner called Speedy Cash. Tried to make on time payments and pay the loan off multiple times by online payment and contacting them by phone. The website and the employees on the phone would inform me, every single time, that my card was declining. I called my bank they said there was enough money in my account, everything looked good on their end and that the card should not be declining. I continuously acquired the enormous interest fees even though I was actively trying to make payments. My balance kept rising, and they took payments out of my account at random times but they would only take the minimum amount so I would keep acquiring large interest fees. It was a long struggle to pay them off and to get them to stop taking payments whenever they wanted. I finally gave up and opened a new bank account. This loan will now likely reflect a negative credit record. It seemed very odd to me and I have determined that it might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They wo n't remove old accounts. The credit reporting agencies have not provided any certified proof of claims to date.

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 05/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Have tried to get a modification well over a year. Hours and hours of phone calls receiving little, conflicting or no information about status, talking to new people each time who read me notes on file of issues already resolved or discussed. I was not allowed to discuss my loan with the person actually reviewing it and making requests. Requested new customer representative, only means of getting info and could rarely get ahold ( had to make an appointment date and time for him to call me, sometimes not getting a call ). My rep repeatedly seemed as if he had never talked to me or knew of our previous conversations. After telling him of my husbands death and requesting a certificate, he called my cell and left a message for my husband to call him, just a small example of many.Told it could take XXXX5 weeks to receive a new rep. Never heard back Also took a week and a half to track the right person down who could confirm they got my ( same day ) fax of the death certificate that they desperately needed to go forward. Called them yesterday because I received an insurance letter mentioning the change in status of my loan. BOA says there was a sale date of XXXX and modification denied XXXX. Called FHA today and HUD. Was asked if BOA had offered me a required TPP Agreement? which I no nothing of, but then referred me back to Bank of America. Rep could not tell me why I was denied. She did see a sale date but no denial letter. On hold ( again ). She could not get a supervisor on the line to find out why denied. ( Past issues with payments were due to seriously ill husband who passed away in XXXX and my job status ( in current job almost a year and I can afford my home ) I have been advised by BOA to call the banks local law firm if I want a redemption. Lawyers have n't responded. I believe modification file is probably closed at bank for the 3rd time ( in which the other 2 times I had to start from scratch in applying and w/supplying all required info as its somehow disappears after a certain time and you no longer have a contact person. ) I am in fear that not only I and my XXXX young daughters will soon be kicked out of my home w/no notice just as I had not received notice of modification denial or property sale date ( and previous sales dates and sale dates on hold ). Also my loan balance has probably increased by thousands in fees and delinquencies due to the time this has taken.

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 07/29/2017 about Debt collection (Payday loan debt) with SECURITY FINANCE CORP (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Notified Security Finance that I was dealing with their Corporate office due to them running my credit multiple times and I only authorized one transaction. Calling my phone 5+ times a day. Calling my references multiple times. Contacting people I did NOT even put on my reference sheet. Harassing and not Professional collection practice.

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 11/19/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract.

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