milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Recently on my credit report I see a record for " Caliber Home Loans ''. The credit item shows a status of " Derogatory ''. I have called the number XXXX listed on my report for this company. I get a representative who asks my name and when they try to verify my address I explain I have never done business with them. the Rep will hang up on me. I have researched this company name and at one time it was called " Vericrest ''. Four years ago I had a mortgage with Vericrest Financial but sold my home for a profit. This company is reporting a derogatory item on my report when I have never done business with Caliber homes. The Vericrest Mortgage was closed four years ago as a sale. No foreclosure, a sale for profit. Each time I call Caliber as soon as I provide my name they hang up on me. I want this company to remove and stop reporting bogus info about me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Convergent Outsourcing has placed a collection on my credit report. They are stating that the date of last activity as XX/XX/XXXX, AND the date of the collection as XXXX. Neither of these dates are correct! This account XXXX went into collections at minimum 6 years ago, approximately XX/XX/XXXX, and there has been no activity on this debt since that time! They are not reporting the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Optimum Outcomes continues to contact me and report a debt as unresolved on my credit report. This debt was with XXXX XXXX, and it was clearly included in my bankruptcy that was filed in XXXX 2015. I am including a copy of my bankruptcy papers. If you reference page XXXX, you will clearly see this debt listed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Other financial service (Check cashing) with Simple Loans (CA).
Issue: Fraud or scam

Complaint: My insurance company have issued check for car repairs Two party check. Repair shop did not repair the car. 
But have take the check to check cashing forged my signiture and cashed the check. I have been not present at time of the transaction either I have authorized to cashe the check. The check cashing have not obtained any ID verification or contacted me as one of the parties named on the check. Check cashing have cashed the check using my name under my name/customer account. Check cashing have committed conspiracy to fraud and forgery. Check cashing have been refusing to provide the documents related to the frauduntly transaction. According to statment from witness the check. The individuals who cashed the check frauduntly have connection to the check cashing employes. So they have done a fabet and cashed the check.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I called Lexis Nexis and spoke to XXXX. I advised her that there was an inaccurate bankruptcy ( docket XXXX ). I advised her that I would like to dispute the information on my Lexis Nexis risk report and Lexis Nexis Public record report that is used to report information to the 3 Major credit agencies. She advised me that she put in the 2 disputes and that the investigation would take up to 30days. On XX/XX/XXXX I called again to Lexis Nexis just to make sure that the previous rep did actually put in the disputes as I had requested and spoke to a supervisor XXXX. XXXX apologized and stated that the previous rep XXXX that I spoke to on XX/XX/XXXX only sent in one dispute by mistake and that he would submit the other dispute and backdate it to XX/XX/XXXX which was the original date that I called in to dispute it. On XX/XX/XXXX I called Lexis Nexis and spoke to supervisor XXXX. She advised me that the dispute that XXXX put in on XX/XX/XXXX was completed but the dispute that XXXX put in on XX/XX/XXXX had not yet been completed. I advised her that 30days has passed since both disputes had been entered. She stated that the dispute that XXXX put in was for XX/XX/XXXX and had not been back dated as he previously advised me it would be since XXXX failed to do it when I called on XX/XX/XXXX. I advised her that I called in on XX/XX/XXXX and requested that both reports ( XXXX and Risk Report-public records ) be disputed and that XXXX failed to submit the Risk Report dispute so that is an error on Lexis Nexis. Per FCRA all disputed items must be investigated within 30days of the initial dispute of XX/XX/XXXX. Lexis Nexis failed to investigate the bankruptcy docket # XXXX within 30days from XX/XX/XXXX so the inaccurate item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (IA).
Issue: Fees

Complaint: There 's multiple issues above that affected my abilityto use my RushCard such as the inability to view mytransactions, perform card to card transfers/movemoney from my RushGoal to my main account and deduct moneyfrom an ATM. The primary reason for these issues was dueto a " glitch '' with the website while performing an updateand scheduled maintenance. Consequently, I wassubject to temporary remove my direct deposit and amreceiving paper checks. Due to this change, I 'm now being charge {$100.00} late fee from my rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
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: Equifax and XXXX XXXX have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date. 

2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XXXX/XXXX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX called from Navient on XXXX/XXXX/15 at XXXX XXXX, regarding a client, XXXX XXXX, who has an outstanding student loan. I know XXXX XXXX, however, but in no way associated with this loan. XXXX XXXX has contacted me on my cell phone, called members of my family and friends releasing confidential information about XXXX XXXX ' debt. He gave this contact number XXXX. I called him back, however, he refuses to answer his phone. At XXXX time, he picked up the receiver and placed it on the desk. I could hear voices talking on the phone. This has to stop and I will start with placing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Advertising and marketing

Complaint: Bank Of America listed an offer for the BankAmericard Cash Rewards Card. In order to entice me to apply for this card, the card benefits offered were : {$0.00} annual fee ; {$100.00} online cash rewards bonus offer ; 1 % cash back on every purchase, 2 % at grocery stores and now at wholesale clubs and 3 % on gas for the first {$2500.00} in combined grocery/wholesale club/gas purchases each quarter Calculate rewards Cash Rewards Low Introductory APR offer Show details Cash Rewards Get a 10 % customer bonus every time you redeem into a Bank of America ( R ) checking or savings account. If you 're a Preferred Rewards Cash Rewards client you can increase that bonus to 25 % or more. 

I applied for the card and logged into Bank Of America 's website to check on the card and noticed that I was charged a {$39.00} annual fee. I contacted Bank Of America and was advised by a rep that the they could not remove the {$39.00} fee and that the card also did not include the {$100.00} online cash rewards bonus offer. The Bank Of America rep advised that this was based on a credit decision. 
However, the whole purpose of me applying for that particular cash back card over other credit card offers was because of the {$0.00} annual fee offer and the {$100.00} online cash rewards bonus offer. Bank Of America did a bait and switch, offered services for signing up on the card, then issued the card, and refused to abide by the terms of the offer, arguing that its based on credit decision. Well, I was approved, and in fact issued a credit card, the same credit card I applied for. Therefore, the offers should have accompanied that card. Instead, bank of america ran my credit, reducing my credit score, knowing that they were not offering those benefits on the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (OH).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted Experian credit about closed credit accounts from account resolution services in  XXXX / XXXX / XXXX . The company continues to use deceptive practices in order to collect a debts in the amounts of  XXXX  account number  XXXX  which was closed since  XXXX , account  XXXX  amount  XXXX  closed account report dated  XXXX , account  XXXX  account closed  XXXX  amount  XXXX , Account  XXXX  Date  XXXX  amount  XXXX , Account  XXXX  Amount  XXXX   XXXX / XXXX / XXXX .     The accounts all report as closed due to the fact that there was  XXXX  insurance policies to pay the bills from the  XXXX  hospital due to the accidents which was not my fault due to the point i was the passenger in both vehicle crashes. This Derogatory information should Be deleted from my credit report.     The medical billing errors was caused by the hospital for not appropriate billing all three insurance policies. The medical billing errors have been addressed by congress in order to make all credit reporting agencies comply with federal laws of of debt collections due to medical billing errors caused by hospital thus making victims of innocent consumers who was not at fault or liable for vehicle crashes or accidents. The medical information on my account is slander by experian which is harming my financial future.

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 03/29/2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: OCWEN LOAN SERVICING, LLC a Florida corporation XXXXXXXX XXXX   XXXX XXXX XXXX a Delaware limited liability Company XXXX XXXX XXXX ATTORNEY The above people are attempting an illegal foreclosure on my home, they used a a well organized plan to be avoid Civil Foreclosure suit use XXXX Deed of Trust assignment which has been rendered Void by various Courts to apply for Letters of Administration in XXXX Probate Court. Ocwen and Dependent Administrator filed eviction and Ocwen had XXXX failed attempts at house seizures and lockdown my house, I have XXXX little children. XXXX XXXX, ( XXXX no. XXXX and XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX case XXXX was heard on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is on appeal. to be heard on XX/XX/XXXX. BACKGROUND ON FRAUD XXXX XXXX CANCELLED. XXXX & Ocwen did could not foreclosure in XXXX yrs because the original loan documents were presumed lost, we challenged them on history payments for yrs, but suddenly Monday they fabricated payments. 
( we never applied for the loan, never received loan docs. XXXX canceled XX/XX/XXXX the loan ). no payments were made, no delinquent notice, no default notice filed or no foreclosure filed. Ocwen LLC tries to collect on canceled loan void Deed of Trust Assignment via probate. We sent letter to the Courts stating their Assignment is Void. Ocwen is illegally seizing our home at XXXX XXXX XXXX XXXX Texas XXXX where I have lived since XXXX. My parents left a Will and the home already has been transferred to me. 
I believe as well as other legal authorities that Ocwen letters of Administration is defective because Ocwen used the known Void Deed Of Trust to obtain rights. The law is clear, it fraudulent. 
There is overwhelming proof that the application for Letters of Administration was made with the knowledge that the Deed of Trust it used was void. 
( Citing 12.002 ( a ) ( 1 ). ( Id. ) Section 12.002 ( a ) of the TEX. CIV. PRAC. & REM.  CODE, and Courts have agreed that fraudulent assignment does not claim on title, the forged Deed of Trust is Void. 
a Under Texas law, XXXX Bank XXXX XXXX XXXX assignment is fraudulent as defined by Section Code 51.901 ( 11 ) ( c ) Violation of Texas Government Code. ( 11 ) The Mortgage assignment was recorded and filed in XXXX XXXX, Texas, the county clerk. ( c ) The court 's finding may be made solely on a review of the documentation or instrument attached to the motion and without hearing any testimonial evidence. 

XXXX Bank XXXX XXXX XXXX XXXX has been rendered fraudulent-void Courts and Texas Courts.

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 07/29/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: According to 609 ( a ) ( 1 ) ( A ) through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have repeatedly disputed this fraudulent Bank of America account on my credit files. Bank of America has refused to do anything about this account ( which they are still reporting ), and instead kept directing me to their collections agency ( XXXX ). 

I now have written confirmation from that department that this account was deleted and closed due to it being determined to be fraudulent ( Case Number : XXXX ). And THAT branch is now directing me BACK to Bank of America to have this removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Second Round Limited Partnership (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been writing letters to this company for more t han two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment hisotry, proof of agreement which bears the signature of the alleged deb tor showing that there had been an agreement to pay the original balance, letter of sale or assigment from the oeriginal creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 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: On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, Transunion, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

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 08/31/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I was told by my originating lender at PNC that if I paid my loan down to XXXX % LTV or LTC the PMI would be removed. He also stated that if I brought in an updated appraisal that shown an increase in value to my property the PMI would be removed. I paid down my loan significantly to XXXX % LTC ( less LTV ) in the first year of my loan. I called to have the PMI deleted and PNC stated that they would n't be able to without me paying {$500.00} for an appraisal which they must order. I asked if I could get my own appraisal ( especially since noticed that the last appraisal they ordered the appraiser charged {$240.00} yet I paid {$500.00} ) and they stated that would not be acceptable. I asked if I could bring in an appraisal from another Bank and they said no, I asked if I could order one directly from someone on their approved appraisers list and they said no. Their lender lied when he stated I could bring in my own appraisal to get the PMI deleted and I find it insane that if I paid as agreed and let my loan amortize out over years the PMI would be deleted yet I 'm being punished by being forced to pay {$500.00} for a new appraisal ( when my previous one if 13 months old ) or they wo n't remove the PMI. I would not have made this loan through them if I had known the truth and the lender had not lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for one credit card with US Bank on XX/XX/XXXX. The bank ended up submitting XXXX credit inquiries on my XXXX credit report. The dates of the hard inquiries were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 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. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was part of the Equifax security breach, as of now I know if nothing has been taken from me but I know my information was involved in the breach.

Company response to consumer: Closed with explanation