milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I've recently pulled my credit report and noticed that there's a collection from Wells Fargo Mortgage on my credit report. Over the past 4 months I have requested validation of this account from Wells Fargo. As of today ; I have not received any correspondence from Wells Fargo regarding this collection account. As per the FDCPA, I have the right to request a validation of this debt. Well Fargo Mortgage is reporting invalidated information to the 3 major credit bureaus ; which is considered defamation of character. This negative listing on my credit credit report does not allow me to enjoy the benefits of good credit. Until Wells Fargo validate this debt, they can not continue collection activities nor report this information on 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 07/24/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification XXXX XXXX and SYNCB is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.

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 09/16/2016 about Debt collection (Auto) with Byrider Franchising, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called myself multiple times daily and many people i know several times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXX when I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments 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 07/30/2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is related to Case number : XXXX. I would like the Loan Service Provider to evaluate my Loss Mitigation Application based on the updated 6 monthly Profit and Loss Statement. Details below. 

Dear CFPB : RE : Correct 6 month Profit and Loss Statement and Request for Incorporation of Correct Income in Evaluation of Loan Modification of Loan # XXXX ; Based on the response and the updated six monthly accounts submitted by my business accountant, I want to submit to RCS the correct updated half year 2015 Profit and Loss Statement for my business. 
The Loan Service Provider XXXX RCS XXXX decision dated XXXX/XXXX/2015 is attached. I would like to appeal RCS ' decision based on the updated half yearly 2015 Profit and Loss Statement attached. This appeal is being made within the stipulated 30 day period from RCS ' initial decision as required. 
I have sent the Updated Information and Appeal documents to RCS XXXX attached here in as PDF ) via registered mail and fax following RCS ' decision to reject my Loan Mitigation Application based solely on a preliminary and outdated Profit and Loss income amount. 
Please ensure RCS updates this information and is notified through your office that I have appealed their decision and asked them to update this information and requests them to make a decision based on the updated information. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a debt from a lease that I ended without property damage or penalty, and the landlord and I never discussed additional monies that I owed. There was no communication on the part of the landlord or debt collection agency, and I deny responsibility for this collection amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We get calls from XXXX to XXXX each day, repeatedly throughout the day, from Macy 's XXXX. They call from two different numbers, XXXX and XXXX. I usually ignore the calls but finally answered the phone one day.They claimed that I have an outstanding balance on a credit card. This was an extremely false accusation, as I explained this to the individual on the line. I was not going to give them any information related to a credit card to pay off the supposed debt. I asked that our phone number be removed from their calling list, as we are on the Do Not Call List. I also made the statement, " Operator this is the phone call. '' ( but obviously this statement does not work ), since then they seem to be calling more than before. I would like to know what can be done for these calls to stop as they are harassing and disturbing.

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called Navient back in XXXX XXXX and informed them to activate my loans so I could file for Income-Based Repayment and start repaying. They informed me that it would take six months for my loans to become active. It is XXXX XXXX, and my loans are still inactive. According to the website, my loans wo n't be active until XXXX. I feel as if I have been mislead and Navient purposefully left my loans inactive such that they could continue to accrue daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Southwest Credit System acquired a charged off account that I had through XXXX. They call me 5 or more times a day from various phone numbers. The majority of the times are robo calls and when i answer, it connects me to a live representative. They usually mask the phone number with an Indiana are code since I live in XXXX. The following is an example of what they are doing and this is just from XXXX XXXX. XXXX called 10 times, XXXX called 5 times, XXXX called 4 times, XXXX called 15 times, XXXX called 11 times, XXXX called 9 times and Unavailable called 6 times. There are other numbers and earlier dates but the above mentioned are the most recent. The times of the calls very during the day. For example XXXX ( XXXX ) XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XXXX., XXXX. and XXXX XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. This company has also put this debt on my credit report which I am trying to dispute. After reporting this, I plan on filing a written cease of communciation notice but I feel this company should be held liable for their collection actions. If any more information is needed please let me know. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear XXXX Experian XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on 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 non-monetary relief
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a consolidation loan with PHEAA who conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. I am a federal employee and have been paying my student loans under the XXXX XXXX XXXX XXXX program for almost 10 years now. PHEAA does n't show on my loan status most of my payments toward XXXX. I should have more credited payments than they are showing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to apply for credit at XXXX XXXX XX/XX/2016. I usually get a text message letting me know that I applied for credit. However the inquiry went to my husband 's text message, and credit. I do n't understand how my information when I put in my social security number is going to my husband 's credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it. I want them to fix them immediately. This is affecting me and my husband 's credit report. When I put my SSN in for credit it should not be reporting to my husband 's credit report. XXXX also changed my husband 's name to my name on his credit report. This is illegal, we never gave them authorization to change my husband 's name to my name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. There are inquiries on my report and my husband 's report that does n't belong there because of this. They are reporting my inquiries on his report and his on 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 08/25/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've disputed these accounts several times and they keep stating they have verified them even after I sent a debt validation response from the data furnisher stating they have not reported any accounts to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information has been included in the equifax hacking on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with DISCOVER BANK (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is not known to me

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Payday loan () with PAYPAL HOLDINGS INC. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: i was told by paypal credit i will have no interest and or fees for XXXX months after buying merchanidise on all merchanidise however now i find that paypal has spilt some payments for interest and fees to be paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I 've had a Chase credit card for a few years, never late. I opened a checking account 2 days ago and they now have closed the checking account and my credit card account. They did this a few years ago too. I can get to answers as to why. I have not defaulted, I have not deposited cash, I am not money laundering or gambling or overdrafting or anything else. I have 2 other checking accounts but there is a Chase close by so for ATM purposes it would have saved me . It was fine that they closed my checking, I had never had the chance to even use it but to close my credit card too ... rude. Please help, it 's been years and I 'm blacklisted by Chase and can get zero answers from the company ... only that they have the right to close my account ( s ) with no explaination.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I made a mobile deposit on XXXX/XXXX/2017. When I checked the status of my account on XXXX/XXXX/2017 I realized a deposit hold had been placed on my check that would not expire until XXXX/XXXX/2017. This is a child support payment that I have received every month for the last XXXX years. I contacted Suntrust bank and asked if it was possible to have the hold removed since the funds have already cleared my ex-husbands account. They informed me that the hold was there because it was a new account. I explained that I was aware that it is a new account but the I work for Suntrust Mortgage and have my payroll checks deposited into the account XXXX a month, I also have not had any overdrafts on the account. I further explained that holding this deposit would now cause an overdraft for an outstanding check and that I will then be charged fees. I explained that I did not understand why they could not contact the bank to verify the funds have cleared as I did and release the hold. The quoted me the hold policy. I explained again that I have been in banking for XXXX years and understand the necessity of holds. They are to ensure that the funds are available before they release them to you. In this particular situation the funds had already been deducted for the check deposit I made and they new it was good. At this point holding my funds until the XXXX served no purpose. The funds are not in his account nor are they in mine. The bank has the money, they know my deposit is good and there is no good reason why the hold should not be released at this time. They are delaying my funds for no valid reason. I did not even receive a proper notice regarding the deposit hold until just now ... XXXX pm on XXXX/XXXX/2017 probably because of the fuss I raised when I called. Now this email tells me to ensure funds are deposited to cover any outstanding items that may cause an overdraft because of this deposit hold. I do n't have additional funds I can deposit and this {$600.00} was to last me and my XXXX children until the XXXX when I get paid. I could understand if the check had not cleared but right now there is NO just reason why they should continue to hold my funds for another week.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had previously submitted a complaint against Transunion regarding some unauthorized inquiries that I had been disputing back and forth with their company. Transunion is still reporting unauthorized inquiries and refuse to help me correct the issue. This has been an ongoing issue since for several months. I have had a fraud alert on my credit report to help monitor it. The following unauthorized inquiries being reported are : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX only have XXXX inquiries that should be reporting on my Transunion. By continuing to report these unauthorized inquiries Transunion is violating the FCRA. As a consumer I am aware of my rights according to the FCRA. The only outcome is for Transunion to immediately remove these unauthorized inquiries and send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.

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 01-08-2016 about Debt collection (Medical) with AFNI INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: AFNI keeps calling my personal cell phone, has called my GRANDMOTHER 'S house ( XXXX ) XXXX, and has now called me at WORK ( XXXX ) XXXX. I am not dealing with this anymore. I know I am in debt ; they do n't have to keep calling everywhere and embarrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problem with additional add-on products or services

Complaint: I am active duty XXXX and while in boot camp was given forms to fill out for a checking, savings, and certificate of deposit ( easy-start certificate ) from Navy Federal Credit Union. I was not aware until after that I also signed to apply for a XXXX XXXX credit card and an XXXX XXXX Checking Line of Credit ( XXXXCLOC ). On this pay cycle, I made my transfers on my online banking, knowing I was getting paid that night. Per my meeting with a financial counselor, when my transfers posted, the Navy Fed systems didn't think I had enough money so it moved funds from my XXXXCLOC to checking, and then put my paycheck to full pay the XXXXCLOC, with the extra funds going to my checking. The problem is that I never knew I had the XXXXCLOC until this happened, and I don't want my entire paychecks going to pay something I didn't want to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have contacted Ocwen several times in the past year regarding mortgage assistance. We have a balloon payment due XX/XX/XXXX, and have been unsuccessful withOcwen to help find a solution. We dont have the resources to pay the balloon payment, and the home in 'underwater ', so we cant re-finance. I have submitted the proper documents to Ocwen in a timely manner. Our most recent rejection was today. We have sixty days before the loan matures. It took less than two weeks for their decision. Because of our income we do n't qualify for a govt program, and because we still have the ability to pay our monthly payment, Ocwen wont offer a modification. I asked if the loan had to mature before they would consider a modification, and was informed that nothing could happen after the maturation date. They want us to lose our home! We have occupied this house since XX/XX/XXXX.

Company response to consumer: Closed with explanation