milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL 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 XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # 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 reportsPlease 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 XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Friday, XXXX, I became aware of the Equifax data breach/hack that happened between XX/XX/XXXX and XXXX of 2017. Using their victim identification site, equifaxsecurity2017.com, I was listed as a potential victim. My information, along with the information of hundreds of millions of Americans, was clearly mishandled by Equifax and puts us all at risk of identity theft and the negative consequences of that. 

Furthermore, Equifax was negligent in its handling of alerting potential victims. Not only did Equifax not notify anyone quickly enough, it has admitted it will not notify everyone. Furthermore, credit freezing should be done free of charge and not require a police report to be free. It is absurd to require a police report when the damages of identity theft can occur much sooner than knowing a crime has been committed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I was forced to close a certificate of deposit early with citizens bank on  XXXX / XXXX / 17  because my water heater broke, my basement flooded and I needed the money to fix it. I knew I would be charged an interest penalty for breaking th e CD however, the asst manager,  XXXX ,  at the  XXXX  MA branch informed me of a {$50.00} transaction penalty that would be deducted from my closing balance. I asked for the fee to be waived because of my long history with  Citizens,  I am a  XXXX   XXXX  customer and the emergency situation. She declined saying she was not allowed to waive fees. Told me to call phonebank. I did and the supervisor,  XXXX  declined as well. This  CD was ope ned over 15 years ago, the  XXXX  fee as far as I can recall was not part of the account agreement at that time. I have never in my life have had to beg or file a complaint in order to get a bank to issue a fee rebate. It is now a matter of principle to me. This was an emergency situation, beyond my control and I needed every dime to pay for the repairs. The outright refusal and passing of the buck between the branch and phonebank is just plain unacceptable. I will be closing ALL my accounts, refinancing my car loan and moving my investments to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2015 about Mortgage (VA mortgage) with PRICE FINANCIAL SERVICES (PA).
Issue: Application, originator, mortgage broker

Complaint: Turned down for a VA loan by loan officer at price financial services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Taking out the loan or lease

Complaint: In XXXX of 2014, I started working for XXXX as a driver. They had a partnership with Santander Consumer USA to provide affordable loans to new drivers with new cars. I was under the impression that it was a monthly lease, and it turns out to be a weekly lease, and the payment is n't even recorded on my credit report. So I end up paying out {$800.00} a month for a XXXX 

I 've contacted Santander Consumer USA and they do n't refinance. I 've looked into an investigation that the Attorney General 's office has done and found that they were offering subprime loans of a predatory nature. The AG 's office has suggested I contact you as well, so I am.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: No proof of contact of debt validation was received. After 6 years, this company reported a debt on my credit report after failing to notify me of the debt. Had the debt been brought to my attention anywhere near the date of service inXX/XX/XXXX, I would have been able to provide pertinent insurance information and have the debt handled immediately. I opened a complaint with Central Financial Control to get records of debt collection and was not given a resolution in the legally allowed timeframe. They have now closed my claim and refuse to send me any information by mail. 

This company has a record of less than savory activity, with CFPB having written an article uncovering these shady tactics in XX/XX/XXXX. They have grossly mishandled my dispute and have prevented me from exercising my debt collection rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with GENWORTH FINANCIAL INC. (PA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint: I received a letter, dated XX/XX/2017, from a company called Genworth Financial that it was updating a request to change my address, along with a " new schedule of benefits reflecting this change, '' which I was told to file with my " certificate. '' The letter includes an XXXX-number to call ( XXXX ) if I " have any questions about ( my ) XXXX XXXX coverage. '' The letter is not signed by anyone, just " Sincerely, XXXX XXXX XXXX XXXX XXXX '' and gives a coverage ID number ( XXXX ), that is allegedly my account number. The cover letter also has the Word document path info in the lower corner that you may see on business internal documents, but seems strange on a letter from a legitimate company to a customer. 

The second page of the letter has a simple listing two columns with " Covered Services '' and " Benefits '' which includes, for example, " Type II Covered Services : Nursing Home Facility, 100 % Most Common Charge not to exceed {$260.00} per day '' and so forth for assisted living facilities, home care, adult day care, respite care services. This page concludes with listing a " total lifetime benefit '' of {$7800.00}. 

Here 's my issue : I NEVER opened any type of account nor have ever done business with Genworth Financial that I know of. This letter appears to be a disguised marketing ploy that could be very confusing, as it makes it appear you already have an account with Genworth. As  mentioned above, the only way to contact the company and find out what is going on is to call the XXXX number. I have not called the number, just do n't have the time for this and do not want to make contact and receive more of the same from them. It clearly appears to be targeting senior citizens, considering the " benefits '' for nursing homes and the like. I turn XXXX soon, and have a husband who is at retirement age, so maybe that is why I was targeted? 

I have worked for both the XXXX and XXXX XXXX XXXX regarding XXXX XXXX and XXXX XXXX, and even after years of experience XXXX XXXX XXXX and XXXX XXXX, I was still confused about this one. It really left me scratching my head trying to figure out when/if I had signed up for something with Genworth, if it was some job benefit I had forgotten about or something. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Hi : There have been multiple incidences, beyond what will be explained this complaint. In which Citigroup, has failed to provide adequate customer service. There are visits to local branches in XXXX including XXXX and XXXX XXXX XXXX XXXX, that abuse federal consumer rights laws. 

Citigroup, failed to honor the verbal agreement, to return the original payment XXXX for a carrier locked ( XXXX phone ) purchased online XXXX XXXX. Citi agreed to return all funds, based upon submitting the required documents. Thus, including a receipt with original purchase date. The required documents were submitted thru usps and were delivered. Citi revoked the arrangement without notification and deducted the XXXX, during the XXXX holiday season and demanded the documents be re-submitted or no refund.. 

Here is the usps tracking number:XXXX ... Citi Case : XXXX The original seller was contacted in additional to XXXX and XXXX, in every effort to return the phone and receive a conclude the dispute XXXX, citi and XXXX were contacted individually.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX & XXXX XXXX ), yet they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and TransUnioncould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.

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 12-07-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Transaction issue

Complaint: On XXXX XXXX I initiated a {$500.00} payment from my XXXX XXXX checking account to pay a Citibank credit card on behalf of my wife. I admittedly made an error by sending the funds to the wrong account by mistake. Once I realized the error I contacted both organizations. Neither of which have been able to assist in retrieving my {$500.00} payment. Upon contacting Citi 's customer service which we have done several times, they continue to say the account does not exist. We offered to send old statements with the account number and the XXXX XXXX confirmation showing that the funds were paid to Citi. They say they can not accept any faxes or emails. We are now at the point of feeling helpless because they continue to say the account is not on record. We are requesting the help of the CFPB to have Citi to research and credit our {$500.00} payment back to my XXXX XXXX checking 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 monetary relief
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of this year I noticed that my statements started coming with a credit, un-applied funds on my monthly statements. I wrote to Ocwen Loan servicing via there web page at that same time asking what this credit is for. I then called directly to Ocwen after no response and was told to take the un-applied credit if its there. I wrote again asking if this was an incentive for modifying our loan, again no response. This month I received a check from Ocwen for {$1.00} over payment on my escrow account. Yesterday I received a letter from Ocwen stating that my escrow account was short. I have been asking Ocwen for 6 months with no response and now my monthly payment is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX. I am a retired XXXX. For the past six years I have applied for loans from Bank Of America and XXXX XXXX. to secure financing for XXXX XXXX to help with the Affordable Care Act.Both banks denied the loans. XXXX XXXX 2015 I filed suit against the Bank Of America for inaccurte information they reported to the Credit Bureaus. This discriminatory act violates the Equal Credit Opportunity Act negatively impacting my business plans and giving less access to financing.. The Bank Of America put a lien, a subordinate loan on my property preventing me from using the equity in my home for a loan. I need immediate help and your assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My personal information was compromised in 2013 and there have been consistent attempts of ID theft over the past few years. It has been realized that my information was used to obtain services with this service provider. I do not know what type of services were applied for and I have tried to speak with the debt collection company but no remedy has been given. 

I have never had or applied for service with this company and I have no reason too. I have never authorized any person to use my personal information to acquire an account with this service provider and therefore I request full validation of this account. I require the application and identification used to open this account so that it can be brought forward as evidence in my ID Theft compliant with both the CFPB and the FTC as well as law enforcement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a complaint through this portal ( XXXX ) in regards to XXXXXXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.

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 02-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are writing this complaint .... One that we have written on almost every file that we have had over the last 1.5 years with Select Portfolio Servicing ( SPS ). SPS is again dragging their feet on working on this file and has stretched out the file review for an additional 90 days. They continue to claim that each time their request a new document that they automatically give themselves another 30 days to review the file. So it should be no surprise at all that they end of each thirty day period, a new document is requested. This game has go on now for 3 successive months. Escalations of the file within SPS ' system yield no results and it appears that they only two reasons this is occurring is that it allows them to milk more servicing fees out of their dimwitted investors ( who have yet to catch on that anything is even going on on their asset ) and an utter lack of employees. It is very sad, but we have had managers at SPS tell us that they are doing the 'best ' they can, but are grossly understaffed. One can only assume that the chronic understaffing is being done in order to increase their profits at the expense of their investor, the borrower, and the communities in which these properties reside. 

I humbly request that instead of us having to continually fight to even get our clients documents review and files worked on that the CFPB take administrative action against SPS. Not only is the CFPB 's database filled with complaints against SPS, but a quick XXXX search will provide days .... In not weeks of reading material on the subject of SPS and servicing fraud. 

We would appreciate if the CFPB could put pressure on SPS to actually review and complete the file that we have submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 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: Account status incorrect

Complaint: XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: I called trying to get a loss mitigation option to short sale my property. I litigated through my attorney the foreclosure. I believe that the mortgage was not properly foreclosed on in accordance with the laws XXXX XXXX and XXXX. I personally feel that the investor lack standing to foreclose. They do not have a original mortgage note properly endorsed to them. 
The law firm that prosecuted my foreclosure did not send their motion for judgment of foreclosure to my attorney of record. This is the fact even though my attorney was on record as my representative. The judgement of foreclosure was granted with out opposition. 
I had some contact the XXXX XXXX XXXX XXXX on my behalf requesting a short sale to avoid the foreclosure. After being told to call back with proper authorization they were told that the investor does not do short sales. Moreover that after the sale the lender would give {$6700.00} for keys. Their would be no consideration of a deed in lieu or other loss mitigation option. 
I believe that they refuse to accept any other loss mitigation option because they are aware of the violations of my rights in the mortgage recovery proceeding and wish to clean it up by sale.

Company response to consumer: Closed with explanation