milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Experian :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  one  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name EXPERIAN Date of reques t ( s )   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request  ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX Account name  XXXX / XXXX  Date of request  ( s  )  XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s )   XXXX / XXXX / XXXX  Account name  XXXX / XXXX /  XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  EXPERIAN  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /EXPERIAN CONSUMER  XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request  ( s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  2 Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request (  s )    XX/XX/XXXX Account name   XXXX   XXXX   Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (   XXXX   )  XX/XX/XXXX  Account name EXPERIAN Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name EXPERIAN Date of request ( s )  XX/XX/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 with non-monetary relief
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my property taxes on time until I refinanced my home. My mortgage was refinanced by XXXX in XXXX where I am a resident. I paid prorated taxes to XXXX and I have documentation as proof which also contains that on top of the existing amount I pay per month, I also put the amount of my property taxes into an escrow of the company which is how it gets paid afterwards. A month later ( end of XX/XX/XXXX ) the loan was purchased by Caliber Home Loans , Inc. ( Corporate Office : XXXX XXXX XXXX, XXXX, TX XXXX ). I have been making payments promptly and on top of that I have been submitting additional payments towards my principal. Today, I received a delinquency notice from the XXXX County Treasurer, that I owe property taxes for the current year ( which where Caliber Home Loans Inc. has been the responsible party ). I called their department and I was told that they will do an investigation but WILL NOT call me back about this and basically left me on my own. They have been taking money out of my payments since XX/XX/XXXX and fail paying the property taxes THEY ARE responsible for, leaving me with penalties. Please enforce the applicable laws against such company. Took my money, do n't pay what they are mandated to pay by law and furthermore stated that they will not even keep me posted on this which will essentially allows the county to post the delinquent property address ( and its owner ) in the local newspapers. Thank you and XXXX Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed an account showing on my credit report with Equifax from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on XXXX occasion asked me to send them a copy of the credit report that is reporting this information in which I did. Each time I request the contract information they never able to send it. I then dispute this Item with Equifax letting them know that I have no knowledge of this account with XXXX XXXX. Equifax somehow able to verify that this account belongs to me. when I call Equifax I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Equifax was via online Equifax.com/disputes. Again Equifax say that this account is verified by the creditor. Since neither Equifax nor the creditor are unable to provide me with the information that I requested I need Equifax to remove this item from my credit report. This account is showing that charge off, collection and sold to another company unsecured. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (FHA mortgage) with Selene Finance LP (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage company refused to honor deed in lieu agreement although the agreement was returned by deadline and I have complied in every aspect with the agreement. They have attempted to foreclose on my property although I qualify for the HUD Home Affordable Foreclosure Alternative program so they can cashout on FHA Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Oracle Financial Group LLC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: First, let me says I have been inundated with fraudulent accounts, credit inquiries and companies opening account that I did authorized. 
On XX/XX/XXXX,2018, there was a voicemail introducing herself as XXXX XXXX ( OFG-Oracle Financial Group ) proceeded by my name and date of birth. She says this pertaining to 2 civil issue which was Internet Fraud and Breach of Contract. If I do not call, they make the decision to file with the courts. I don't know what she is talking about and do not plan to pay for anything that's not mine. She left phone # XXXX or XXXX XXXX to contact her or her supervisor XXXX XXXX @ XXXX. I called this lady and she placed me on hold for 10 mins so I hung up. 
This company is calling people to scare them into paying a debt they've purchased unvalidated debts.

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 12/27/2016 about Mortgage (Other mortgage) with EQUIFAX, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I recently viewed on my XXXX Credit Report a hard hit Inquiry by EQUIFAX MORTGAGE SERVICE. I do n't recall authorizing EQUIFAX MORTGAGE SERVICE to run my credit. I am not in the market to be a home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am currently a full time XXXX student. I can not afford afford to be making payments on my loans at the moment. During my XXXX years I took loans from XXXX that I was told I wont have to pay back until I graduate. My loans have been transferred to Navient and they are asking me to make a payment in 2 weeks or default on my loans. I asked if I can make a smaller payment or with holds payments for XXXX years until I graduate but they refused. Right now, I do n't see any option but to default on my loans. Is there anything you can do to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XXXX XXXX 2017, received by all 3 credit reporting companies by XXXX XXXX 2017, by land mail ; I wrote a very extensive dispute request to all XXXX credit reporting agencies ( XXXX XXXX, Equifax and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ).  After speaking with a representative from all 3 credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, XXXX XXXX, Equifax or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life. <P/>CFPB you got ta help me get this mess off my credit report. I am a XXXX year, 2 time XXXX veteran who could not work for years due to my XXXX connected XXXX diagnosed condition. This is what I get for serving my country? <P/>This clearly violates the CFPB requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: I want to start by saying that I am very frustrated, because I am getting no help. Everyone is taking the situation lightly. I could have been embarrassed or worse arrested for this issue. I used an Wells Fargo ATM at the XXXX XXXX XXXX in XXXX. I withdrew {$340.00}, and was charged a {$3.00} dollar fee. this totaled XXXX. The machine distributed XXXX 4 XXXX - {$50.00} and XXXX 7 XXXX {$20.00} dollar bills. I am not a Wells Fargo customer and they are not willing to investigate, which I think is unfair. Whether or not I am a customer they put there product out there for non customers to use. Come to find out after giving one of the {$50.00} to my sister in law to make a deposit, it was fake. I can not let this issue go, I do not have money to give away, nor do I think it is fair that no one is sensitive to my issue. Counterfeit money is very serious, and I could have been arrested. I keep getting the run around stating that the atm does n't give out {$50.00} dollar bills but this day it did. I also know there is a ledger from day to day that shows the starting balance of the machine, and also the denominations that were in there. I am upset because I am being made to look like a liar, I do not need to go through all this aggravation for {$50.00} but it is mine. I also believe that if this situation goes unhand led there maybe other customers or non Wells Fargo customers who will experience the same thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received student loans in XXXX and XXXX. {$8000.00} that started a Dept. Of education and moved around do many times I ca n't remember. Each time more and more money, penalties, interest added. 
I have been at Navicat since XXXX my loan ballooned to {$20000.00}. Today it 's {$23000.00}. 
I have been unemployed off and on in XXXX to XXXX, XXXX to XXXX, XXXX to XXXX. Unemployed all of XXXX. 
Laid off XXXX XXXX. Just started back in XXXX XXXX. 
Why has n't my loan moved and it grows XXXX a year. That 's more than interest. 
I have paid the {$8000.00} and then some. This madness needs to stop.

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 CORELOGIC INC (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: See complaint XXXX for more information. On XXXX XXXX, 2017 there are 2 hard inquiries on my credit report for CREDCO which appears to be through XXXX. XXXX  contacted me via phone because I was looking to refinance my mortgage. I spoke to XXXX XXXX who was very rude and pushy and he completed an application in my name which I did not request and then he did a credit check as well. I contacted him and he said it is there protocol to submit applications when someone is looking for rates but I did not ask for rates. I told him I was not interested and he did it anyway. I also emailed his supervisor and never got a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with RAB PERFORMANCE RECOVERIES, LLC (MN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: In XX/XX/XXXX of 2016 I realized that my bank account had been garnished by XXXX XXXX XXXX for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to RAB Performance Recoveries to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from RAB Performance Recoveries that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to RAB to get payoff information. After weeks of calling in and not reaching anyone at RAB she finally got a call back. They informed her that XXXX XXXX XXXX are now handling the account and provided the processor with thier contact information. When she called in to to XXXX XXXX XXXX the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with XXXX XXXX XXXX to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a XXXX XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am having problems with Midland Funding LLC reporting a debt on my consumer credit report stating I owe {$640.00}. I have never had an account with the company they say the debt is from ( XXXX XXXX XXXX ). I have attempted to resolve this matter via certified letter in XXXX 2016, XXXX 2016 and XXXX 2016. I  have requested proof of ownership of this debt ( such as a signature on an application, proof of payment from my bank account, etc. ) The company has yet to provide this information and has only sent me a old statement showing it was written off by the original company. This is not my account and the company refuses to provide me with valid proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE APPLIED WITH CITI VARIOUS TIMES TO GET A MODIFICATION AND GET ME CURRENT ON MY PAYMENTS. I HAVE TURNED IN ALL MY DOCUMENTS TO THEM WHENEVER THEY ASKED ON MORE THAN XXXX OCCASION. NO ONE IS HELPING ME, IN FACT I NOW HAVE A SALE DATE OF XXXX/XXXX/XXXX WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE HAD OVER 50 % LOSS OF INCOME WITHIN THESE PAST FEW YEARS. I WAS FIRST DIVORCED WHICH LOST HALF OF INCOME BEING CONTRIBUTED TO THE HOUSEHOLD, AFTER MY EX HUSBAND PASSED IN XXXX THEY STARTED CHARGING ME FOR HIS MEDICAL EXPENSES WHICH I WAS NOT ABLE TO AFFORD AND WAS FORCED TO FILE FOR BANKRUPTCY. THEN IN XXXX XXXX I HAD XXXX WHICH I HAD XXXX FOR AND 3 MONTHS LATER I WAS FIRED FROM MY JOB I WAS AT AND WAS JUST LEFT WITH ONLY MY SOCIAL SECURITY. NOW IN XXXX XXXX I WENT TO THE DR AND THEY TOLD ME TO GO TO THE EMERGENCY ROOM ASAP BECAUSE I HAD XXXX AND THEY XXXX. I WAS ALSO INFORMED XXXX AND IT XXXX. I HAVE LOST SOO MUCH AND HAVE GONE THROUGH ENOUGH. PLEASE HELP ME SAVE MY HOME!!!

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 11/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I receive calls about my supposedly 1 late payment multiple times per day. I get anywhere between 5-11 calls per day. It seems that they are harassing me because I made the last payment the day the billing statement came out and when I spoke to them they said that did n't count toward that month. I can understand 1 call per day but 5-11 calls per day is just harassment.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with ERC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation