milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: BACK IN XXXX I DISCOVERED I WAS A VICTIM OF IDENITY THEFT. ( SEE POLICE REPORT ) SOMEONE OPEN UP A PAYDAY LOAN IN MY NAME. I LATER DISCOVERED THEY OPEN UP A XXXX XXXX CARD IN MY NAME WHICH XXXX HAS REMOVED FROM MY CREDIT FILE AND SO HAS XXXX. BUT NOT EXPERIAN. ALSO THERE IS A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME XXXX AND XXXX HAVE DELETED NOT MY DEBT. IF YOU LOOK AT THE DATE AND ADDRESS ON POLICE REPORT FROM XX/XX/16. YOU WILL SEE I RESIDED AT XXXX XXXX XXXX XXXX XXXX .I AM ASKING CFPB TO INVESTIGATE AND ASKING EXPERIAN TO REMOVE THESE 2 ACCOUNTS FROM MY CREDIT FILE. THERE IS ALSO UNAUTHORIZE INQUIRES THAT I DID NOT AUTHORIZE.

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 09-01-2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I presented a check to XXXX XXXX which cleared their electronic screening. I immediately deposited a check presented to me as reimbursement ( mobile deposit ) the same day. BB & T held the deposit for 3 days. In the meantime, my check was returned NSF and I was charged a XXXX charge. Today, I check my account and see where BBT list my mobile deposit as " available '' and " posted '' on XX/XX/XXXX. This is beyond misleading. If the funds were not available according to their policy, why do they present the deposit on my statement as being available for withdrawal? In actuality, the funds were there. 

Also, They do not disclose the check that was returned in order that the consumer can get matters straight with the bank or merchant. Because of this, the check was presented a second time. Check in the amount of {$320.00}. I am not understanding how a check can be returned and the ending balance for the day be over and beyond the check amount plus charges?

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my Transunion and XXXX reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.

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 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: For several years, a charge off has appeared on all of my credit reports concerning an item from a company called XXXX XXXX. I purchased an item for my mother, a few years ago and it came to her damaged.I told XXXX XXXX about this and no action was taken.I made several requests to have this matter removed off my credit report and all the major credit bureaus have declined to remove the info. In XXXX of last year, I initiated an arbitration action, as per the original contract 's relief clause.XXXX refused to pay its fees, as per the contract. I believe this action makes the entire contract null and void.I want this matter removed from my credit reports immediately.

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 10/14/2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: i received an email offer from USAA that stated if I setup direct deposit of XXXXand it totals XXXX or more o would receive a XXXX cash incentive XXXX. I accepted the offer prior to the deadline but it would not work correctly on the website. XXXX I called and spoke with several representatives and was told that there were issuew with the website. So I explained to the rep what I called for and I was INFORMED THAT DUE TO ME ALREADY HAVING A SAVING ACCT with them that I do not need to setup a new checking acct I can setup my direct deposit to my current savings acct and I would qualify. The rep assisted me in setting up the direct deposit. I called back a few days later and spoke with a rep and they confirmed that everything was setup correct and I am qualified for the incentive. When I did not see the deposit at the time I was informed it would be in my acct I called the bank that then I was told I do not qualify for the XXXX incentative. 
I have spoke with over XXXX representatives about this issue and no one wants to honr that I was given incorrect information and that they should honor what was told to me. I asked the representative can they pull up the recorded phone conversations and all of them stated that they have no way of retrieving the conversation. I am not the only customer with this issue of being told incorrect information. If you look at there XXXX Service Board there are other individuals that are upset about being given incorrect information and not receiving there XXXX dollar incentive as promised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent two cease and desist letters to XXXX XXXX XXXX concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on 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 explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX i had requested my credit report from XXXX and XXXX along with TransUnion to see what is on my report. I see unauthorized inquiry i never requested and XXXX is using the same id # under different companies. The company name XXXX Mortgage XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX they are sharing the same ID # with Confident XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX/XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. Cap XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The office of Richard Sokloff sued me without the proper notification. I have n't lived at my old address since 2013. I have my new lease from my new place to prove this. Before they sued me a rep there threatens me that they were going to get a judgment although I was n't at judgment stage. ... They now have a judgment illegally.

Company response to consumer: Untimely response
Consumer complaint received 10-04-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: Western Union allowed a fraudulent payment from my debit card on XXXX XXXX XXXX in the amount of {$2100.00}. After contact from both my bank and me, they refuse to refund the money to my account. They also said they would give me a fraud account number to file with the local police, which they have not done. They allowed this charge without my pin information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with A/R CONCEPTS, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They still show an open account on my credit when it was closed and discharged in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: 1. XXXX 2. Experian 3. XXXX XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and Experian accounts not reporting : 1. XXXX XXXX XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX 1. XXXX XXXX accounts not reporting 1.  XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I stopped college because of financial issues. I had low income for many years and XXXX XXXX just kept deferring it, but intrest kept occruing. I paid off an on. When I first stopped school I think I owed XXXX, which ballooned to XXXX over the course. I had some medical issues later on and I just kept deferring. I think my loan balance isXXXX from my original XXXX. I am on ICR plan paying XXXX/month and in XXXX will owe almost XXXX. At which point I think they will forgive that amount but saddle me with an IRS income tax bill of approx XXXX? I tried to get answers from them about why I owe XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : Equifax, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Struggling to pay mortgage

Complaint: I was affected by Hurricane Harvey and was approved for a forebearance plan on XXXX-XXXX-17 with Caliber Home Loans that would allow me to skip my mortgage of XXXX for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The forebearnace plan was offered to me, and since I needed to make home repairs, I took advantage of it since I was told my balance would be added to back of the loan and that my payments would resume as normal in XX/XX/XXXX. Today, I fear Ive been scammed. Ive received bills and a certified letter stating Im at risk of foreclosure and the total amount is due. Yesterday I spoke with XXXX in customer service and was told that I could avoid foreclosure my remodifyinh My loan and that it was already going through that automatic process which could result in higher interest rate ( my current rate is 3.625 and he stated it may go up to 4 percent or more. Caliber has taken advantage of hurricane Harvey victims by promoting payment plans via get help hooks on their website and yet developing a scheme that is only benefiting them, and will only hurt their clients. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX & acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: Please initiate an investigation of Ocwen Loan Servicing for fraudulent activities for the following reasons : Ocwen has violated two legal binding contracts, in the State of NY without authorization or consent from the parties to the contracts : ( 1 ) XXXX/XXXX Dept. of Environmental Protection [ signed XX/XX/XXXX ] ; ( 2 ) XXXX/XXXX Dept. of Finance [ signed XX/XX/XXXX ].
Ocwen has illegally initiated loans and then attached them to my mortgage payments without my authorization.
Ocwen has failed to provide any agreement ( s ) that I have signed with them agreeing to such loans.
Ocwen has failed to provide any prior notice ( s ) of its intention to provide such loans before initiating distribution to a 3rd party.
Ocwen did not provide me, the consumer, an option to accept or reject said loans.
Ocwen has failed to provide a copy of a signed application from me for such loans.
Ocwen has failed to provide or quote the New York State Law or Statue that allows it to provide loans to a consumer of which the consumer has no part in negotiating.
Ocwen has refused to reverse its illegal action after several requests.
Yours faithfully,

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old.   XXXX   XXXX   XXXX  said to me call Credit Bureaus.

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 08-06-2016 about Consumer Loan (Installment loan) with Advance America, Cash Advance Centers, Inc. (OK).
Issue: Taking out the loan or lease

Complaint: I went in to Advance America to obtain a loan for bills since I had just moved to the area. I filled out all the paperwork including giving her a blank check with the amount I needed. She let me think I was approved by asking for references and telling the amount I was able to receive. By the end of the process which took an hour I was told that I was denied due to my credit history.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation