milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear ChexSystems ' General Counsel, After receiving a number of unsolicited phone calls and emails from people claiming to be from ChexSystems ' I feel obligated to exercise my rights and alert you to what I consider harassing and damaging behavior. 

Specifically, I have received numerous phone calls from people claiming they were from ChexSystems but generally refused to provide any information unless I confirmed my identity. Wary of this potential scam / phishing attempt after previously being a victim of identity theft I am unsure if this is an official action of ChexSystems or a scammer spoofing information. To this end I request that ChexSystems investigate such actions to determine if it is your employees or systems making these unsolicited calls and to provide me with a record of all correspondence on my ChexSystems file, if any. 

To confirm my identity, you can use my social security number as provided to you in this CFPB complaint as well as a picture of my passport. I have not been within the USA for many years and have not agreed to the use of ChexSystems to aggregate my personal information. 

After receiving a record of my correspondence, uploaded to the CFPB complaint I will analyze those records and if needed contact you for more information or requests. 

To carry out this request, please note the following personal identifiers : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : 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 05/19/2015 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I refinanced my manufactured home with acreage through American Financial Resources , Inc . This mortgage agreement stated that my payment would be {$1100.00}. In XXXX XXXX the papers were assigned to XXXX XXXX, XXXX which also states that my payment will be {$1100.00} will be due beginning XXXX/XXXX/XXXX. I then receive another XXXX dated XXXX/XXXX/XXXX stating that I have a new payment beginning {$1000.00}. My last XXXX dated XXXX/XXXX/XXXX was actually a closeout statement as American Financial had reassigned my papers to XXXX, XXXX. I was informed in a letters from XXXX and American Financial Resources that this reassignment was to be completed XXXX XXXX, XXXX. My payments were to stay the same. All along I have paid an amount of {$1200.00} trying to decrease the balances ( P & I and/or Escrow ). If I had an emergency ( which happened in XXXX XXXX ) I would have a little extra in the budget to pay for the emergency. I then received an XXXX from AFR dated XX/XX/XXXX stating that I have a shortage of {$1200.00} and they want the money by XXXX/XXXX/XXXX or my payment beginning XXXX/XXXX/XXXX will increase to {$1200.00}. This most recent statement shows negative balances beginning XXXX XXXX. It would have been much easier for me if I would have known about it sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I paid off the loan and the bank continued to take the money out of my account there fore making me overdraft my account and then they charge me an overdraft fee. This has benn happening for  over one year an d I am owe more money for over draft fee than they are will to provide.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (MO).
Issue: Problem with fraud alerts or security freezes

Complaint: SinceXX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them onXX/XX/XXXXand they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: It came to attention that AFNI, INC reported in my credit report without authorization and consent that I owed {$600.00} with an account number XXXX on XX/XX/2017. I do not owe this alleged debt and have no knowledge and there is no contract exist between the consumer and AFNI, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was reviewing Free Credit report today XXXX/XXXX/XXXX and saw a description someone tried to apply for XXXX service. 

XXXX XXXX, XXXX I was in XXXX XXXX, Texas. 
I had just arrived from XXXX XXXX. 

Please clear this up. 

XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry from 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 non-monetary relief
Consumer complaint received 12/22/2017 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: Information belongs to someone else

Complaint: 1. XXXX account {$51000.00}, paid off. 
2. XXXX account is not mines. 
3. XXXX account, not mines.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY EXPERIAN CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE XXXX  XXXX ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND EXPERIAN AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY

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 02/20/2017 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: HFC Beneficial Acct. # XXXX -- On XX/XX/2017 my mortgage was purchased by XXXX XXXX XXXX XXXX from HFC Benefcial. I had already scheduled my mortgage payment to HFC for XX/XX/XXXX and was unable to cancel it. I contacted HFC directly and they assured me the payment would be forwarded to XXXX. XXXX New Acct # : XXXX. 
It has now been over 14 days and my payment has not been credited. I want this straightened out. I have called numerous times and nobody is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Trident Asset Management is reporting two collection accounts on my credit reports. Both of these accounts state that they are for a utility, in the amounts of {$420.00}, and {$310.00}. Trident lists the opening dates as well as first delinquency dates in XX/XX/XXXX. No mailing address was provided for Trident on any of my credit reports, which is issue number 1. How am I supposed to reach or correctly contact Trident with incomplete contact information? Issue number 2 is that I have not had a utility in my name for years and I most definitely have never had a Trident account. They do n't even list who the original creditor is or their contact information. Now onto my biggest issue with Trident, issue # 3. I have been fighting Trident for several years now about this account that I keep stating, does n't belong to me. Trident insists that I owe these debts and they keep changing the dates as to first opening, etc. to suit their needs. I have past credit reports that show different opening and delinquency dates on them. The last time I made contact with Trident was for debt validation back in XX/XX/XXXX in which they responded back with a letter stating again that I owed these balances, along with an account summary of the bills supposedly in question. I went ahead and contacted the original creditor on said summaries ( XXXX ) and gave them the account numbers listed. XXXX told me there were no such accounts in their system. No accounts listed under those account numbers, my name, or the addresses listed for me on these summaries. I even had XXXX transfer me to their recovery department to see if maybe one of these accounts had been transferred as a bad debt, and the result was the same. No such accounts were found. I then filed a complaint with the Better Business Bureau ( BBB ) against Trident and after months of back and forth, the complaint was closed with no agreement from either party. 

Fast forward again to today, in which I am filing this complaint with CFPB. Trident continues to report false information on my credit records and I do n't know how many times I have to tell them that these accounts are not mine! I stopped trying to fix this with Trident as I clearly was unsuccessful in all attempts at getting any resolution, but Trident keeps adjusting the time frames on my credit files, which I can no longer sit back and let it ruin my credit that I have worked so hard to keep on track. 

Another note ... The account summaries that Trident provided to me are dated XX/XX/XXXX and XX/XX/XXXX. How can I have opened an account in XX/XX/XXXX ( as stated on my credit reports ) if these bills which Trident says are mine, were opened years before?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I received a letter from Bayview Loan Servicing ( " Bayview '' ) dated XXXX XXXX, XXXX, claiming I had contacted them stating in part : " We have received your inquiry regarding the above referenced mortgage loan. Please be assured that your inquiry will be reviewed promptly as it is our goal to provide excellent customer service ... We will provide a complete response on or before the Proposed Resolution Date indicated above. If your inquiry requires additional time to complete then we will notify you by mail. '' See attached XXXX XXXX, XXXX letter from Bayview ( BLS Case NO : XXXX ) Although that XXXX XXXX, XXXX letter had a Proposed Resolution date of XXXX/XXXX/XXXX I have heard nothing further from Bayview. 

On XXXX XXXX, XXXX, I contacted Bayview via fax and XXXX Mail and notified them that I had not contacted them as stated in its XXXX XXXX, XXXX letter. See attached XXXX XXXX, XXXX Letter from XXXX XXXX to Bayview. 
In that XXXX XXXX, XXXX letter I also requested the following information from Bayview stating : " Kindly provide the following : i. ) Can you tell me if this property and loan is in foreclosure ; ii. ) If this loan is in foreclosure, kindly provide if and when Bayview initiated any such foreclosure action ; and iii. ) Pending your answer to the foregoing, please provide any relevant date ( s ) if Bayview has delayed any such foreclosure action or proceeding at any time for any reason. Please note this request is within the scope of error resolution : XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, and XXXX. Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX kindly provide your response within the period provided by the statute. '' I understand Bayview had 15 days to provide documentation illustrating that no error has occurred. XXXX XXXX Section XXXX XXXX XXXX ) ( XXXX ). It is beyond the 15 day period and Bayview has neither provided any explanation or documentation as to why it believed I contacted it as illustrated in its XXXX XXXX, XXXX letter, nor has it provided the straight forward information I have requested from it regarding any potential foreclosure proceeding. 

I received another letter from Bayview claiming a response date of XXXX XXXX, XXXX however this letter contained a different BLS Case No : XXXX indicating it was not related to the first letter Bayview sent on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX I mailed out a certified letter with a return address to Wells Fargo asking them to Validate my debt. Wells Fargo responded with this letter. See attachment. Their response did not properly verify my debt and I 'm asking for them to remove the late payment from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa violation item no knowledge id theft victim sent po report sent cra

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 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account paid in full and was deleted and then reinserted.

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 01/22/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX a certified letter was sent to this creditor after I noticed that my credit was being damaged because of them. I asked that they validate the supposedly owed debt that they claim that I owe. I asked that they provide records of my signature showing a contract that I have with them. They responded with an account summary report but NOT with my signature at all. A print out does not validate any debt that I have. I do not have a contract with this creditor. After a second attempt was sent to them I did not receive a response back. However on my credit report it shows that it was validated & meets FCRA guidelines. How?!? They never provided me with the information needed or their method of validation. This is unfair to me as a consumer. I do not owe this debt and would like this to be removed from all credit bereaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I have a credit card for Sears ( SearsCard.com ) -- the contract states that they can change the conditions of this card. I received an unsolicited letter, attached, which states in the second paragraph that the Sears store card will be upgraded to a Mastercard unless I decline the offer. I believe that it is illegal to issue an unsolicited credit card unless you decline the offer.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I wanted to get my free credit reports online, from the XXXX credit reporting agencies, using the website XXXX There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.

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 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Had my credit report pulled and found information pertaining to a false XXXX report out of XXXX Never lived there nor visited the State. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I made a complaint on Santander Consumer USA on XXXX/XXXX/XXXX, based on the response to my complaint Santander is showing to be negligent in verifying the accuracy of my credit report as indicated in my compliant on XXXX/XXXX/XXXX which is a violation of the responsibility as ta credit reporting furnisher per the Appendix A to Furnisher Rule part XXXX and the FCRA 623. Santander has failed to investigate the complaint made and sent a response stating that they provide accurate information to the credit bureaus and denied my request for deletion based on inaccuracies. Based on my finding the violations assessed are as followed. 
1. There are different dates being reported as to when this account was closed. A complaint was made XXXX/XXXX/XXXX on XXXX stating that the account is reflecting open and this was failed be fixed until XXXX/XXXX/XXXX when I submitted the last complaint and reports that the account was closed in XXXX rather than XXXX which is false reporting. 
2. Derogatory information reported after settlement payment was made on account reflecting derogatory on XXXX and XXXX and settlement was received XXXX/XXXX/XXXX based on the attached settlement offer agreed upon that I will be released of any further obligation to Santander. 
3.The date of first delinquency is not reporting which alters how long negative reporting will be reported on my credit report. 

Based on Santanders response to my XXXX/XXXX/XXXX complaint they stated they lasted updated XXXX/XXXX/XXXX which further proves their refusal to investigate the accuracy of my credit reports and failure to comply with federal and state laws in maintaining accuracy and integrity of my reports which I also enclosed for review.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I checked my personal credit report, which I acquired from your Transunion on XX/XX/XXXX and I noticed several unauthorized inquiries had been made. I believe I was a victim of Transunion inquiry issue. Since I have contacted the Transunion and the companies who conducted these unauthorized inquires and asked them to remove these credit inquiries from my credit profile. I spoke with multiple Transunion costumer services specialists, and I was told there was nothing that could be done and their customer service would not help and take care of the negative inquiries reporting to my credit report.I request that you initiate an investigation into these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX I via XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/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