milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with Feldman & Stern, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The guy did not identify himself but as a legal issues. Started calling on XXXX. Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I just found out that there are XXXX liens on my primary residence by a creditor named XXXX. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this XXXX is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient maliciously does not allow you to pay off higher interest loans, even after bringing it to their attention. I called customer service after trying to pay off a 6.5 % loan and the customer service rep said " let me log into your account, it should allow us to choose which loan you would like to pay off. '' After he logged in he found the EXACT same thing as me, it automatically applies the payment to the lowest interest rate loan. All he could say to me was " that is really weird, it wont let me either but it should. Give me 24 hours XXXX and we will have it rectified. '' Well, I gave them more than a week and the website still does not allow you to choose which loans you want to pay off. With XXXX Americans in default you would think the US Govt would want people like myself trying to pay off their debt EARLY.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion was notified by XXXX and by myself that I am a victim of fraud.Police report was submitted and reviewed which mentioned that I am a victim. TransUnion failed to delete the XXXX # XXXX. TransUnion is aware that address XXXX, XXXX FL XXXX was fraudulently used to open account.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Items were properly removed from XXXX and XXXX files. By LAW the other 3 must comply w same. 

They have refused to do so. I just recieved letters from XXXX and XXXX saying accounts were purged. The other 3 have not complied. It is not up to the company involved to remove this inaccuracy and failure to validate the debt. 

The debt is not owed for numberous breaches of contract on company fault, not the consumer. As such.. 

The other 3 must also delete the info. XXXX XXXX was asked about this and this inconsistency. They provided no answer. The FCRA, however, itself provides this answer. THE BUREAUS MUST COMPLY and SHARE the DELETIONS. If one deletes it, so must the others.

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 01-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo home bank has securitized my mortgage and stolen money from my escrow account and owes me funds that was never applied to my account. They have also created multiple accounts in my name. The original servicer was ASC and is Now Wells Fargo Home Bank with a different fraudulent account number. I want full accounting and disclosure on Loan. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST I am writing to you to dispute the accounting and servicing of my mortgage, and to inform you of my need for additional information regarding various charges, credits, debits, transactions, reversals, actions, payments, analyses, and records related to the servicing of my loan from its origination to date. To date, the documents and information you have sent me, and the conversations with your service representatives, have not answered my questions. 

Because of concerns regarding predatory lending, I am disputing the validity of the current debt you claim I owe, including, without limitation, the principal balance, calculated monthly payment, calculated escrow payment, and any fees claimed to be owed and any trust or entity you may represent or service. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST

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 01-09-2017 about Credit reporting () with CORELOGIC INC (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: SafeRent CoreLogic AKA Corelogic XXXX XXXX XXXX is presently reporting false information on their consumer file relative to my rental history. They are falsely reporting a judgment in excess of {$16000.00} for XXXX XXXX XXXX in XXXX, Texas. I have attempted to contact them by both phone and mail to dispute this matter and I have received absolutely no response or resolve from them. I have also had my attorney to contact the court where the judgment was supposedly filed and the court 's response was that the XXXX XXXX XXXX attempted to file an erroneous eviction and judgment against me, but the case was dismissed and a judgment was never issued. How SafeRent CoreLogic AKA Corelogic XXXX obtained the false information is unknown. I am asking that the CFPB investigate them for negligence due to falsely reporting information regarding my consumer activities. I am unable to upload any copy of my consumer report because SafeRent CoreLogic AKA CoreLogic XXXX XXXX XXXX has not responded to my XXXX XXXX, 2016 request for a copy of the 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 02-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: Hello, I 'm a XXXX and a new Chase Bank checking account customer. I was familiar with the case against XXXX Bank XXXX. in which they failed to correct deposit discrepancies below a certain threshold, resulting in millions of dollars in lost funds to depositors. Today I received a notice with my bank statement from Chase informing me that there were going to be changes to my account terms. XXXX of them included a statement that any deposit slip discrepancies below {$10.00} would not be corrected unless they were found by the account holder and reported within a certain timeframe. This would result in the same situation that occurred with XXXX Bank XXXX. I submitted an email to Chase, and included a link to the press release for XXXX. I have only made XXXX in-person deposits to my Chase account, the rest have been electronic. XXXX deposit was made via their ATM, and it did not have an option to use a deposit slip or a deposit envelope. The deposit amount was determined via an internal scanner. There is also no envelope for depositing cash, you just feed cash into the machine. Due to potential mechanical failure, I have chosen not to deposit cash through this machine. I prefer to have a sealed envelope, with no risk of comingling of cash that might make it impossible to fix a system glitch. Additionally, I prefer to calculate my deposit and write in on the envelope. I understand that there is a risk of fraud by consumers who deposit empty envelopes, however, if you are n't going to correct discrepancies and rely on a computer to complete the transaction, then there is a much greater risk to consumers, as proven with the case of XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The TransUnion credit reporting agency incorrectly deleted my XXXX credit account in the year XX/XX/XXXX. I have been trying since XX/XX/XXXX to have the account re-opened. XXXX has sent three separate requests to TransUnion to report the account, but TransUnion has taken no action to re-open the account. 

The account was being reported on my wife 's TransUnion credit report as recently as the year XX/XX/XXXX ( TransUnion file number XXXX dated XX/XX/XXXX ), and so we submitted an online dispute on XX/XX/XXXX asking to have the account reported on my credit report. The TransUnion investigation results listed the account as " Deleted '' ( file number XXXX dated XX/XX/XXXX ), and we later discovered TransUnion had deleted the account from my wife 's credit report ( file number XXXX dated XX/XX/XXXX ). 

XXXX submitted their first request to the XXXX major credit bureaus to report the account in XX/XX/XXXX, and discovered both TransUnion and XXXX were not reporting the account. XXXX has always reported the account. XXXX sent a second request on XX/XX/XXXX to have the account reported by TransUnion and XXXX. XXXX is now reporting the account per their Report Confirmation number XXXX dated XX/XX/XXXX, but TransUnion is still not reporting the account ( TransUnion file number XXXX dated XX/XX/XXXX ). I contacted XXXX again on XX/XX/XXXX about this issue. Their investigation dated XX/XX/XXXX revealed the account ending in XXXX is being reported by both XXXX and XXXX, but not TransUnion. 

I sent another dispute letter to Transunion on XX/XX/XXXX asking them to re-open the account in question and provided the above details. They responded with a form letter dated XX/XX/XXXX indicating the information I am disputing " does not currently appear on [ my ] TransUnion credit report. '' The XXXX account is our second oldest credit account, having been opened on XX/XX/XXXX per my wife 's TransUnion file number XXXX dated XX/XX/XXXX. TransUnion 's continued refusal to fully investigate and report this account is causing my wife and I potential harm by not accurately reflecting our current credit history. I have made a good faith effort over several years to resolve this dispute, but am now asking you to intervene on our behalf. I believe TransUnion needs to speak directly to XXXX to understand which account should be reported. XXXX has tried to have the account reported through conventional means ( and succeeded with XXXX ) ; and our attempts to have the account reported only resulted in TransUnion deleting the account from my wife 's credit report. 

Thank you for your time and attention to this matter. If you need any additional information, please let me know.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked Transunion,  XXXX  and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected  my credit score and a bility to obtain a home mortgage.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: My client,   XXXX   XXXX   applied for an  SBA  guaranteed working capital loan to TD Bank,  XXXX  Florida Office, Loan Officer  XXXX   XXXX . The loan application was refused. I requested a letter providing the reasons for the denial. That request was made orally ore than 60 days ago.  XXXX   XXXX  informed me that t he SBA lo an committee would provide the requested letter. That has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received correspondence re a debt which is not valid since it was paid off to the original creditor in 2015. I called the company and advised them that the debt was not valid and that it had already been paid and asked them to STOP calling me or sending me correspondence because it was not valid. To the contraire of my request, they continue the calls and messages and have not provided proof of debt validation as I asked them to confirm with the original creditor that it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with J J Marshall & Associates, Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX. My daughter had XXXX XXXX done. The XXXX is saying I owe a balance of {$990.00}. My daughter had dual dental insurance that paid for the services.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 wrote and mailed a dispute letter to Equifax delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Equifax customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative said they mailed out my results on XXXX and i had to wait. I reached out to Equifax again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait for it to arrive. After attempting to work with Equifax on several occasions, being denied on multiple occasions, my next step is to start litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a foreclosure on a property that I no longer own and have n't owned since XXXX XXXX, 2009. There is a company who is continuing to report on my credit report and continue to attempt to collect over XXXX for a loan that they say they purchased from XXXX XXXX XXXX. However, since it was originally part of a bankruptcy they also acknowledge that they 're is no debt thats owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a Citi card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.

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 07/31/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (OH).
Issue: Settlement process and costs

Complaint: In a recently closed refinance, the lender ( US Bank ) disbursed roughly 23 % less funds than the final HUD lists in box XXXX ( Total Disbursements to Borrower ). I called US Bank as soon as I saw the shortage of disbursed funds and their explanation was that the it was noticed after the loan closing and signing that the originator obtained an incorrect payoff amount and I should understand that human error happens. The change in structure of the financing took place after all final documents were signed, the changes were not disclosed to me, and I was not given an opportunity to exercise my right to cancel if the changes would have been disclosed to me.

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