milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Student loan (Private student loan) with AES/PHEAA (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My name is attached to a loan I never signed for or agreed to. The promissory note does not have my signature on it and after dealing with the company for over 11 years now I have reached a stall. They refused the fraud packet I filled out in 2006, They continue to contact me but have blocked me from contacting them. I have reached out to XXXX XXXX of PA and XXXX  XXXX of NE with no change. I have contacted the three reporting agencies of credit and they refuse to look into it. I have contacted a private attorney and they want XXXX to start with. The loan I am attached to is under 10000.00. I have contacted the state attorney General for NE and PA with no response. The American Education Services has lied to me at every turn and they know they have my credit hostage. They are a part of the government and have no Bussiness dealing with private student loans but they paid off who ever to get the contract. They continue to scam and no one will question what they are doing. I just want my name removed from the loan and my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: original debt was with XXXX money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Transunion on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Transunion is complicit in allowing this. Each time I ask Transunion to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX XXXX 3 ) XXXX XXXX Bank It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I contacted XXXX again as well as opened disputes with XXXX and equifax ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX, Equifax and XXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with GOLDMAN SACHS BANK USA (PA).
Issue: Trouble during payment process

Complaint: Nearly  one year ago, I c ontacted the CFPB to inquire about specific transaction details regarding my mortgage that was purchase d by Goldman Sachs  on  XXXX   XXXX ,  XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX  .     The company has not provided an adequate response to my inquiry and representatives from the CFPB indicated that followup emails had been sen t to Goldman Sachs for a   response. Yet, no reply has been received.      Goldman Sachs was  asked to provide details about the dates that my loan was sold from its controlling interest (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    )  to  XXXX   XXXX   XXXX  .     Additionally, my loan that was purchased on  XXXX   XXXX ,  XXXX  via a securitized transaction did not include the note, as an assignment was ultimately crafted in  XXXX  of  XXXX .     The bank purchased a loan without ownership control of the note. So, I want to know how it was able to sell the securitized mortgage notes / trust without ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is trying to foreclose on my home tomorrow XXXX/XXXX/XXXX based on a fraudulent decision they sent to me regarding my mortgage package. 
I submitted a package for a short sale because I had n't been able to get them to modify my loan. I sent that shot sale package earlier this month, on XXXX XXXX, XXXX. They had a sale date scheduled for XXXX XXXX XXXX. That is 12 business days, and 15 calendar days prior to the sale yet wells fargo is wrongly stating first they didnt receive a package then that they didnt get my package in time. 

I am attaching a copy of the forged decision they sent to me from my Home Preservation Specialist, XXXX XXXX. It is forged document because XXXX XXXX left Wells Fargo on XXXX XXXX, XXXX and has never since returned. She was never even an employee on XXXX XXXX, XXXX to write the letter and send me the decision so important regarding my home that they are saying that she mailed me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i already sent you the info and you have done nothing ... .you have them in federal court so you know they are not a good company..

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 08-12-2017 about Debt collection (I do not know) with ConServe (NJ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: An Order for wage garnishment was issued against me without being endorsed or filed from Con Serve in XXXX, NY. I have been actively paying on a debt for several years. Con Serve issued a fictitious amount of debt in a wage garnishment through my employer that was never filed in federal and/or state jurisdictions. My employer started garnishing my wages without verifying the validity of the garnishment and I have been forced out of my job due to harassing calls from Con Serve to myself and my employer. Various representatives from Con Serve repeatedly called me at work threatening to have me arrested and take my income. One representative of Con Serve stated his name was XXXX XXXX and that he was an Attorney, but he sounded more like a high school student hired by his parents, who are likely the investors. I lost my job and I lost my home. I am responsible for taking care of an elderly family member and I can no longer afford the medical care needed due to Con Serve issuing a false garnishment against my income and my employer. Between the years of XXXX-XXXX, I had been actively seeking stable employment throughout the US prior to starting my job last year. I want a criminal complaint against the organization at Con Serve, XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Prepaid card (ID prepaid card) with U.S. BANCORP (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Purchased prepaid card on XXXX/XXXX/XXXX from XXXX. 
Did not use card until XXXX. 
Apparently someone else used the card number in XXXX to purchase goods or services AND registered this card number under their own name. Called issuer on XXXX/XXXX/XXXX. Issuer was vague and unresponsive. Suggested I fax in supporting documents, which I did on same date. 
It appears that this card number may have been issued twice. 
Issuer has failed to respond to my fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I called XXXX XXXX Bank approximately 2 weeks ago ( the week of XX/XX/XXXX ) to request a new debit card because my card had expired in XXXX and I had yet to received a new one. The representative said he would send out a new card and did not mention any issues with my account. A few days later, I logged in online and linked the Schwab account with another on my bank accounts and we through the process of the trial deposit verifications. 
This week I got the debit card in the mail and when I tried to call to activate it, I was told that my account was closed by Schwab, without notice, because I had no activity in 6 months. I explained that I only use this card when I travel abroad and that I had just called in two weeks ago and logged into my account, so there was activity. I also said that I needed this to be resolved ASAP as I was going abroad in a week and needed access to my account before then. After speaking to another representative who said she would look into it, call me back, and then never did. I reached out again and spoke to a supervisor, XXXX, who said he would look into it an call me back. 
XXXX called back and left a message saying that it is in their terms of service that they can cancel anyone 's account without notice and, even though the rep I spoke to two weeks ago said everything was fine, if I wanted a new account I  would have to go through the application process again ( and have another inquiry on my credit report ) for an account that should have never been closed in the first place. I find it hard to believe that a bank can close a person 's account without any notice, especially when I was just on the phone with them 2 weeks before and everything was fine. I would like this to be resolved by my account being re-opened without an additional inquiry on 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 05/19/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Account opening, closing, or management

Complaint: I just accessed ChexSystems ( XXXX/XXXX/16 @ approx. XXXX ) to request my consumer report. Once I entered all my information, including Social Security Number and date of birth, I could not submit the request due to the fact that the system stated the verification code was incorrect. I repeated entering a different code 4 times. After the fourth time I got the message that an error had occurred. 
I experiencd this same problem a few days ago when I attempted to order my XXXX consumer report. 
I would like CFPB to investigate whether this is a tactic to limit consumers from getting their reports.

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 08/14/2015 about Credit card () with DISCOVER BANK (ID).
Issue: Balance transfer

Complaint: All of my credit cards show me when a promotional rate ends ( for balance transfers ) except for Discover. Are they supposed to provide this information on their statements?

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collections agency pulled it out of a hat. Totally bogus. 
Event happened XX/XX/XXXX. XXXX accounting error. Balance ought to be {$0.00}. 
How is it XX/XX/XXXX collections agency can just reopen/ post false information on my credit reports? 
Then, credit agency is all automated. You are unable to speak to a person anywhere in their process? Really? 
Credit agency operates like XXXX with no responsibility, accountability except towards me or whomever is chosen by business? 
I ought to be getting paid for all the time spent trying to correct their incompetence ; for making changes to my account without authorization ; and for adding additional phone with additional services ALL WITHOUT AUTHORIZATION/ PERMISSION TO DO SO. 
NOT LEGAL AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage complaint is with Nationstar Mortgage. In XXXX of 2010 I filed bankruptcy but filed an affirmation signed to avoid bankruptcy on the property. During this time I was able to get a Modification Loan with Nationstar. Bankruptcy has been discharged, but every time I call for assistance I am directed to the Bankruptcy dept. before I can speak to anyone. 
As I was trying to refinance to the Harp Program, I am told that Nationstar has not reported me in 5 years as making any mortgage payments I in turn stated how is that. I have contacted XXXX, XXXX, XXXX XXXX in regards to this matter. I received a reply from the credit report to contact the Mortgage Co. I did and they told me because I did not file an affirmation and I did, therefore I sent a copy of the affirmation report. My next reply was that Nationstar Mortgage sent me a letter stated they will forward a letter to all XXXX Credit Bureaus to show that I have made payments have not missed a payment in the 5 years and this should bring my Credit Score up. Unfortunately, my Credit Scores have not gone up they are in a Poor Status and I have tried to do my part in this matter and nothing has changed and I need assistance. I know I had some hard times, but I am doing better and fair is fair. I would like for my payments made to be reported to the Credit Bureau. I am tired of being in the poor statues on my Credit Scores. I* would like for the Mortgage Company to please correct the reports that I have made payments and I have not missed on my mortgage.I am not sure now who is at fault the Mortgage Co. or the Credit Bureaus. I am XXXX years old and I do not want to leave this world knowing that my word of truth did n't matter. I want to see XXXX on my scores!!! Thank You for reading my Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call from Southwest Credit Systems regarding a debt that was in my name and owed to XXXX XXXX XXXX XXXX. I had to request that they send me a notice in writing as they had not at that point. 

When I received the notice, I submitted a debt validation request listing the items needed to validate the debt. Southwest Credit Systems sent me a final bill with an address in which I did NOT have service as service is NOT offered by XXXX XXXX XXXX XXXX in this area. Before the debt validation time elapsed, Southwest Credit Systems placed this item on my credit report, unverified. I responded to their " final bill '' stating that this was NOT considered validation of the debt and to cease collection efforts and remove credit bureau listings. They have failed to do so and they have failed to respond. 

They have now violated my consumer rights, the Texas Business Code, FDCPA and the FCRA. A final bill is NOT considered debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Closing/Cancelling account

Complaint: Cap ital one cl osed  XXXX  of my accounts because I 'm visually impaire d. Fraud  took place on  XXXX  of my cards by a care giver. I constantly calle d Capital One to ask  what was going on and the moment I told them I relied on their information about my accounts because I was unable to see, all  XXXX  of my accounts where closed. I believe this is not only unfair but illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage 4 weeks ago on XXXX/XXXX/15 and still have not received my principal payment overage and escrow reimbursement. The total amount owed is approximately {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Dear XXXX, This is my formal complaint letter against CITI/STDNT Loan RSRC XXXX because I have contacted CITI/STDNT Loan RSRC CNT for them to remove numerous account information because of incorrect and inaccurate information that appears on my credit report, also the statue of limitation on debts has been expired. The account is closed and the balance is {$0.00}, and there are XXXX or items that appears on my credit reports from all major credit reporting agencies. The CITI/STDNT Loan RSRC CNT has either refused to respond. the following account is the items the CITI/STDNT Loan RSRC CNT has refused to investigate and removed.

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 01/26/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: yes XXXX XXXX XXXX collecting off XXXX XXXX after 10 years of this bill she got {$660.00} still balance {$1700.00} pay for court ssi taxes XXXX michigan takeing it from XXXX leaveing her with {$0.00} amount. steeling XXXX XXXX   yearsold women.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Credit card) with Mandarich Law Group, LLP (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been receiving numerous phone calls from a debt collector named XXXX XXXX from Mandarich Law Group LLP. He has been threatening me that he will take XXXX % of my check and will go directly to my boss to take away the money. I was part of a fraud scam, since I had fallen for an add on the TV stating that for monthly payments they would help lower my credit card payments. Long story short, it was all a lie and that company I had made arrangements with, sold the company numerous times and did n't resolve any of my credit card debt. Now I have this hostile person harassing me stating he will take away from my weekly paycheck, and being that I am a single mother, money is already tight as it is and their is no need to be so unreasonable as for him not to even want to negotiate with 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