milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with NATIONSTAR MORTGAGE (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( 8th Cir. XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 )  and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " one '' not " three ''! I only gave permission for 'one ' credit inquiry. Please delete three from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed Inaccurate reporting of XXXX/DEPT OF ED multiple times with Transunion, XXXX   and XXXX with no help. These are not my account. 

XXXX/DEPT OF ED  Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX/DEPT OF ED Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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 12/27/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: suspicion of identity fraud, from " mother " XXXX XXXX, Police report in progress

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015 we sold our home in XXXX XXXX Texas, the mortgage had been sold to carrington. At closing, the escrow company paid the the taxes that where owed, they then sent a copy of the closing documents to carrington, showing that the taxes had been paid to XXXX XXXX tax assessor by the the escrow company. 
Carrington paid those taxes again. After numerous conversations and multiple attempts to resolve this with carrington, they have n't even contacted XXXX XXXX tax assessor to claim the refund. XXXX XXXX tax assessors website still shows the approved refund waiting to be claimed by carrington. Carrington has to file for the refund because they paid it. 
I should not have to wait to get my money when this is clearly carringtons mistake, they should refund my money immediately

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I currently am delinquent on my mortgage payments and am in the process of going through a modification review. I have provided all documents requested of me by my mortgage company and am waiting for their decision. I also have a foreclosure sale scheduled on XXXX/XXXX/16 and need some assistance getting it postponed. Please help me keep my home, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We recently requested that Santander Bank ( our mortgage holder ) would suspend the escrow account requirement for property taxes on our mortgage loan. At the time of our signing, we were told we could apply for such a waiver in 2 years after good standing on our loan. When we applied for the waiver in due time, we were informed of a fee of XXXX of our mortgage balance equaling {$460.00}. This fee is unexplained, inappropriate and unfair. At no time at our signing or in our phone conversations with the bank was such a fee described or explained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: M y Wife a dded me to her Target Store card Issued  by TD Ba nk last month. The card came  in 3 weeks ago ho wever I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months e nd (   XXXX   XXXX . )

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am just being made aware today of a lawsuit in which a judgment was entered in favor of the Creditor XX/XX/XXXX. The case was filed in District Court XX/XX/XXXX by Lendmark Financial Inc in XXXX XXXX MD and represented by Attorney XXXX XXXX XXXX, XXXX. On XX/XX/XXXX they filed to have my wages garnished. However, I was never, ever served with a summons even notifying me of this lawsuit, and never received any documentation thereafter until being notified TODAY by my Employer that the are attempting to garnish my wages. I called both the Attorney and the Creditor to obtain to get proof of Service and to get my payment history and have not received any response or help with this matter. This case has been sitting here for 8 YEARS and I was never notified, never properly served or given the fair chance to resolve a debt that was opened 11 years ago. I now run the risk of losing my pay when I feel like I was never given the chance to resolve this to begin with. I can not even tell if they filed the lawsuit within statutes because no one will provide the date I was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with iFreedom Direct Corporation (IL).
Issue: Credit decision / Underwriting

Complaint: ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS. 

I was applying for an FHA loan through Veterans First Mortgage with Lon Officer XXXX XXXX MLS # XXXX being my point of contact. I started this process in early XXXX and was approved for my loan of {$64000.00}. The original reason for me buying this property was because my wife and I were separating. On XX/XX/XXXX16 the house that my wife and I were sharing burned down. It was a total loss and her and I and our children are now living in a hotel. I have provided all of the documents that have been requested and then yesterday XX/XX/XXXX16 XXXX XXXX contacted me via email saying that they needed my separation documents for underwriting. I informed them that there were no separation documents because nothing had been filed. I was then further pressed to have a lawyer draw something up. I informed them that this would not be done. They then said that I would either provide them with something or they would not approve the loan. I informed them that my wife and I are staying in the hotel together and once I buy the house that the mortgage is for my wife, kids and I will be living in the house. The underwriter wrote an email to XXXX XXXX ( XXXX XXXX read it to me over the phone ) stating that he found the timing or my wife and my reconciliation odd. I informed XXXX XXXX at that time that the timing of my wife and I getting back together is of no concern and not odd due to the fact that my initial letter of intent for the mortgage stating our separation was nearly 6 weeks old and no agreement was requested until a day ago. I have already paid {$500.00} in earnest money, {$350.00} for an inspection and {$500.00} for an appraisal. Now the underwriters are refusing to approve the loan because they are demanding a document that does not exist and is irrelevant. Furthermore, they are stepping outside of their bounds by questioning my intent for purchase now as compared to then. Just to recap since the loan process has begun I was initially separating from my wife, on XX/XX/XXXX16 the house my wife an I shared burned down and was a total loss, we moved together into a hotel where we have been for over a month, and her and I are planning to live together at the home I am attempting to purchase with this mortgage loan. Now the underwriters are refusing to approve the loan after weeks of waiting and {$1300.00} dollars of my money spent based upon my marital status. It should be noted that XX/XX/XXXX16 was supposed to be the original closing date and that the appraisal was late to push it back but the underwriters asked for nothing of the sort until the original day of closing. 

ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with DISCOVER BANK (IL).
Issue: Billing disputes

Complaint: discover card said I have to pay for a order I did not place XXXX. XXXX never sent out the furniture. discover card rep told me this. the furniture order was not in my name nor was it going to be delivered to my address. I do not have any authorize users on my accountdiscover card final decision was that I placed the order. XXXX has the furniture and {$1000.00} discover card paid them I explain to discover card that im XXXX years old and do not know too much about the internet I do have people that come to my house to help me with everyday living that has access to my personal information. I explain to discover card I did not give any one permission to use my card I also told XXXX when they called me I did not place an order. that should have been the end of it. because XXXX still had the furniture the order did have my billing address correct, phone and email correct. my name was not on the order and the delivery address was not my addressI have never charged anything on my discover card since I opened the account. there was no reason for me to look at my statement every month because I did n't charge anything on my discover card I tried to make out a police report but they theres nothing they can do because the furniture was never delivered

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: amount owed isnt amount told to over phone more money was added to original balance incorrect amount stated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This payday loan was opened back in 2012. I joined a payday loan support group shortly thereafter. To my understanding, the support group sent out validation letters to all the payday loan companies that I had done business with. No letters came back proving that these loans were valid in Florida. Since then I have been contacted by phone calls at home and at work. And now this has shown up on my credit report in collections. I tried contacting the payday loan support group that I joined but they are no longer in business.

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
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was renting an apartment for I pay on time, pay more than {$700.00} on deposit. I did all the steps they told me to do before I moved out. After I moved out they never contact me about anything, then after XXXX months a Collection agency is harassing me all the time that saying I own {$410.00} to the apartment. 

I asked for evidence about this debts. They said they will give the evidence, but they never did.They just contact me every other day. Then, they open a case in my credit report, but they refuse to provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (KS).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My spouse and I both have Chase Auto Credit loans. My loan was financed about 4 1/2 years ago and my husband recently financed a XXXX XXXX XXXX. We also have two Chase credit cards. When the auto loan was funded, Chase immediately linked it to his other account. So, I went in to the account to schedule the first payment. It would n't allow me to schedule it because it stated a bank account had not been linked. So, I went into " add external accounts '' and added our checking account information. Then, I received an error message that stated an account with this information already exists in another profile. So, I messaged Chase about 48 hours ago to let them know we were experiencing a problem linking the checking account. I had the same problem 4 1/2 years ago when I purchased my XXXX, because our account information was linked to my credit card. As of today, I still had not heard from Chase. So I called them like I did 4 1/2 years ago to resolve the problem. The first rep I spoke to suggested adding more zeros to the beginning of the account number. This way it would trick the system into thinking it was a new account number. I told him hemust get this complaint a lot, and he laughed. I told him that I would have thought that Chase Auto Credit would have fixed the problem by now, and I asked him to bring it to someones attention. He told me that I would need to complain to someone in the auto credit division and he transferred me. Then, when I complained to the person in the auto credit division, she stated I had the wrong department and was going to transfer me again. I told her not to bother ; instead, I would just file a BBB and CFPB reports. First, a customer should n't be transferred numerous times to different department to complain when they are not even the right departments. Second, the way Chase is handling bank account set ups is archaic and they should have been able to fix the problem by now without wasting the customer 's and their call agent 's time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This was an auto lease of which I was the co-signer. I have checked and called Honda Financial several times to confirm the account is closed and has a XXXX balance. The account is in fact close and I will attach proof that the account is fully paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX   XXXX   2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.

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 02/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Advertising and marketing

Complaint: first of all, I am not registering a complaint ( at least, not yet ). My XXXX year old son has been receiving pre approved credit cards for a few weeks ( thus far only XXXX have been received ). I am requesting information on how to prevent my children from receiving these, as I believe it exposes my children to potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Equifax performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX/Navient did not apply additional payments towards the principal of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (WV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They have called on multiple occasions. I tell them I do not want them to contact me anymore and I am going to press harassment charges and them tell me they will continue to call me and thwy will disconnect the call. They also will call and if I do not tell them my name they will not tell me what company they are calling from and disconnect the call. They are always very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation