milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I disputed inaccurate accounts on my credit report with XXXX, TransUnion XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX XXXX TransUnion to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..

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 10-08-2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to obtain validation of the debt the creditor is attempting to collect. The company has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XX/XX/2017 I submitted a police report, identity theft affidavit, proof of address, Identification, and statements, to XXXX XXXX XXXX notifying them they were reporting a account to the credit bureaus that was a result of fraud. 

The account number is XXXX. 

On XX/XX/XXXX and XX/XX/2017 I requested notification of debt because notification was never sent to a valid address. Collection agent XXXX confirmed that the original notice was returned by the post office as an invalid address. Even though the collection agent XXXX and supervisor confirmed that they never sent the notification of debt to a valid address they refused to send it to the address. 

The collection agent XXXX and supervisor said they could not send notice of debt because the item was in dispute yet on XX/XX/2017 they verified the fraudulent debt as valid to XXXX, XXXX, and XXXX even though they placed the item in dispute status for fraud on XX/XX/2017.

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 04/17/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: After a few years of unemployment, but making the mortgage payments on time with private help, I got back to work on XXXX/XXXX/XXXX. The private help ended, I was 30 days late for XXXX XXXX payment, but was back on track in XXXX and paid on time until XXXX XXXX. I tried in XX/XX/XXXXto refinance but was turned down for the 30 day late and less than 2 years on job. It does n't matter I had 25 year steady work history. When I realized XXXX/XXXX/XXXX I could n't make the payment, I called loss mitigation. I explained I had to buy heating fuel for winter, and would not be able to afford current mortgage payment. At the phone application, I was told I qualify according to my income. I have a $ XXXX/month payment on a loan balance of {$16000.00} on a house I have lived in for 17 years. The house value is around XXXX - XXXX. I received a demand letter on XXXX XXXX for about {$2200.00}, which I did not have. At this time mortgage payment was 60 days late. I was told by client services to make a payment to keep me out of foreclosure, so I did, but it was returned to me. I called for status often, and was told I am active in loss mitigation, my income qualifies, but bank has wrong physical address of property. I have tried to fix this problem over the years, and submitted this information once again in my latest application. This hang up on my address stalled all communication with underwriting for 6 weeks. I have since received monthly demand letters, and XXXX XXXX I received a letter denying my request for modification. I was given inconsistent information. For the XXXX program my income is insufficient for modification, but for the XXXX Programs my income is sufficient for my current payment. I received XXXX XXXX XXXX a letter that said foreclosure is " intended and pending '' I have involved the XXXX program, and as of XXXX XXXX, XXXX I am still active in loss mitigation. XXXX Rep and I spoke together to customer service, and I was told that bank is ok with not accepting my payments, and not re amortizing my small loan amount. They said they can foreclose anytime now on a home where they would get the {$16000.00} in principal that I owe, and be ok taking the {$70000.00} or more in equity from a mother and her children and leaving them homeless. I was told if I sign the liquidation papers I could get {$3000.00} for moving expenses. After six months now, bank is unwilling to compromise with a client who is willing to pay the {$16000.00} at a lower payment and longer term. I have all the letters and docs and can fax them to you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: portfolio recovery bought XXXX charged off XXXX credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from portfolio recovery that I signed nor, any correspondence from them regarding these XXXX old XXXX credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Spoke with someone  at Southwest Credit Systems at appr oximately  XXXX  this mornin g (   XXXX   ).  He asked me to verify an incorrect addr ess ( an address I have not lived for at least 20 years ). I would not verify the address and he asked why I would n't. I told him that I had no idea who he was nor the   company he was with. Upon hearing that, he again told me the name of the company, but did not say who the original creditor was. He said " well since I have your address, I 'll read it to you and you can say yes or no. '' He read it again, and again I said no. At this point, I was irritated with him and told him that I was going to file a complaint with the FCC and he hung up. He called me from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Last year I attempted to set up automatic payments during a phone call with Capital One. Several months later it came to my attention that this did not happen and because of this Capital One has placed several extremely derogatory marks on my credit reports with all 3 bureaus. I have tried to rectify this with Capital One and even with taking some fault myself for not following up during a dark period in my life to make sure the expected minimums were being deducted Capital One has continually refused to make any type of compromise and offer the slightest goodwill adjustment in my favor. I have even provided my phone bill to the executive office team where a 9 minute call was highlighted that was when I recall activating a card and then transferring to customer service to set up these automatic payments. After several weeks of waiting not only does Capital One refuse to make any adjustments they also refuses to provide any transcript of the call to show that these 9 minutes were spent differently than I recall. Any assistance in reaching a compromise in this matter would be highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX turned me over to a collection agency to collect for an insurance policy that I never purchased. The policy that I asked for a quote was for a house that I never closed on. I am receiving collection mail and phone calls stating that I owe them {$230.00} for this policy. I never purchase the house or the policy., I had asked them for a quote. A company called Credit Collection Services. Phone # XXXX, person name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: When closing my Victoria Secret Credit Card ( the reason was the unsatisfactory handling by XXXX  XXXX ) the representative wrote to me that my balance is XXXX when closing my account. 

However, my balance was - XXXX , meaning that XXXX owned me XXXX $! This means that XXXX simply kept my money, because I closed their account. 

I believe it is at least a violation of consumer protection law and possibly can be seen as an embezzlement of my money by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CO).
Issue: Credit decision / Underwriting

Complaint: I filed an application for a mortgage refinance with Amerisave Mortgage Corporation on XXXX XXXX, 2016 in Colorado. I submitted all requested information on a timely and expeditious bases. It is now XXXX XXXX, 2016, and there is no answer as far as a credit decision. No one from the company will speak 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 monetary relief
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX reported lack of payment to credit collection company American Coradius International. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with XXXX and ACI.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I returned all XXXX equipment in 2015 as the attached receipt shows. The collection agency Stellar Recovery has never validated the debt or attempted to contact me about this erroneous collection. This company is highly disreputable since they are knowingly using false collections and information to hurt ordinary Americans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: I refinanced with Bank of America in XXXX. All the documents that I have received in my prior complaints support my position that the money past due was placed on the back end of the mortgage yet BOA refuses to correct my credit reports with all of the credit agencies. My outstanding balance after the write was supposed to be placed on the back end of the mortgage. This was what I believed to be happening when I rewrote the mortgage back then, my former rep XXXX confirmed that it was on the back end of the mortgage during our MANY phone conversations yet BOA reported us late for our mortgage for those years resulting in the destruction of my credit rating, resulting in my inability to obtain student loans for my children, and my ability to obtain any form of credit. I have had enough of their delays, their refusal to correct the reports, and their treatment of my account. I have documentation showing that it was placed on the back end of the mortgage yet BOA, slow in their responses to my MANY MANY MANY complaints, take their time in responding, fail to correct the fact and I will have no choice but to file suit for this wrong. I have written many complaints on this issue yet BOA refuses to correct the wrong. Though my loan has been rewritten and my past due amount has now been correctly placed on the back end of the loan my credit continues to be destroyed by BOA. In all of my complaints that I have filed BOA has sent me many letters stating that the matter is still under investigation, can we have additional time to investigate, our representative will contact you, we are reviewing your complaint, blah blah blah yet nothing is done. All I have asked was for BOA to remove all negative remarks from my credit scores from the date of my first rewrite. I have no choice but to pursue legal action, seek damages for their wrong doing, and demand treble damages under a XXXX and all legal fees and costs for filing the complaint if it continues. I think my request to simply remove negative remarks without further action is reasonable as I have documented evidence to support my position. The letter that I have dated XXXX XXXX, XXXX clearly shows that the loan in XXXX was approved and that the outstanding balance was added to the loan. THAT MEANS IT WAS PLACED ON THE BACK END OF THE LOAN AND NO LONGER OUTSTANDING. BOA is a huge company and I am simply a consumer yet this company has destroyed my credit and I can not sit back any longer. My offer to remove all negative credit within XXXX stands, if not, I will commence XXXX proceedings.

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 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has an impossible process to dispute inaccurate information. They wo n't let you dispute anything unless you buy a credit report. You do get the free annual report, but that report number expires and then you have to buy a report in order to place a dispute since you can ONLY dispute with Experian with a current report number, that they sell to you at a profit. After this, you are directed to go to Experian.com/upload to upload supporting documents, which never are able to be uploaded, limit of XXXX and black and white, and even when you follow the directions and try to upload the most simple of documents, you can not do it. So then they make you send by mail, which I am attaching the message they provide. They require to you provide excessive information, which then they will SELL or use to invade your privacy, requiring information that is NOT REQUIRED in order to process a dispute when you HAVE DOCS to PROVE a dispute. 
They want 1. a drivers license, 2. a social security card, 3. a utility bill. This information in totality is REQUIRED to send to them IN THE MAIL are they kidding??? Because when you are able to dispute online, you DO NOT have to provide this completely invasive information to them, but the online upload does n't work, since it 's too small or whatever the scam is, in order to REQUIRE you to provide TOO MUCH INFO especially not necessary, when remember, you already had to BUY the credit report. This is a phishing scam by Experian, a deceptive and abusive practice that they are doing. The only way we can now dispute ANYTHING is by providing information that they should n't have for a dispute process. We ARE entitled to a correct credit report, and we ARE entitiled to not to have to mail in a set of docs that are 1. not their business and 2. dangerous to put in any type of mail, XXXX, XXXX, etc, because the totality of those docs together are crazy. Even the credit reporting company should not be trusted to have those in their possession, especially for a dispute. Furthermore, XXXX and XXXX DO NOT play this deceptive game, they allow online disputes that actually work, and they do n't make you buy the report to do it, or provide all those docs that can get someone a passport, mortgage loan, government benefits, tax returns, you name it. This is illegal, and the response they give better not be policy and protection, because that 's you know what.

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 12/18/2017 about Debt collection (I do not know) with Nationwide Recovery Systems, Ltd (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Nationwide recovery systems has called me several times concerning a debt for a XXXX XXXX ( XXXX, I do n't know the name of the person ). I have asked them several times to remove my phone number from their systems because she does not own the phone number that they have been calling and has not had it for several years. These calls come several times and each time I have demanded that they remove the number from their system, they have yet to do so. Most recent contact was XX/XX/XXXX at XXXX XXXX Central Time. I have never owed them any money and I am tired of receiving their calls for someone whose debt is owed to them. I am filing this complaint to see what can be done to get them to stop calling my number.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: -On XX/XX/XXXX, I prepaid the auto loan for a year in advance from XX/XX/XXXX through XX/XX/XXXX. Payments are {$200.00} per month and I sent {$2400.00}. I sent a written letter with a copy of my statement, to the loan servicing department per the monthly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Confusing or missing disclosures

Complaint: I recently moved from XXXX FL to XXXX FL. I submitted an application to XXXX XXXX to roll my 401K into an IRA account. I then updated my address to reflect my current location. Apparently, the address change caused XXXX XXXX to freeze my account for 15 days, advising that I could not take any actions on my account until XX/XX/2017. I called and asked what I needed to verify in order to process my rollover, but they refused to accept any verification. If they are going to take such drastic measures with customer accounts, at the very least there should be a way for customers to unfreeze their accounts over the phone. Also, when changing my address online, I should have received a notification BEFORE submitting my change request stating that the change would cause my account to freeze for 15 days.

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 02-11-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( " Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( " XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for " Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. 
5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the " Trustee Deed Upon Sale '' filer, ( " XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. 
This Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX 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
Consumer complaint received 10-02-2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: My husband and I had a very strange experience when applying for a Walmart card through Synchrony Bank. We both applied for an account on the same date. On my account, they completely misspelled my first name. On my husband 's account, they used his SSN, birthdate and credit information, but they put the account in my name in error. I emailed customer service three times on XXXX/XXXX/16. They instructed me to have my husband call in to their help desk, so he did that on XXXX/XXXX/16. The customer service rep, XXXX, spoke to both of us. She can see that the account is incorrectly entered under my name, even though it is most definitely my husband 's account, but she refused to correct it. Despite the fact that they have his credit report and the application he submitted on file to prove the owner of the account, they are refusing to remove my name from it. I feel that this constitutes fraud, because they know it is under the wrong person 's name, but they will not remove my name from the account. I am at a loss as to how they could have a glitch so big that they would mess up both accounts opened for my household.

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