milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Managing, opening, or closing account

Complaint: On XXXX XXXX I activated my visa rush card. I was due for a payment from my employer on XXXX. I checked with my employer and they informed me that the money was sent to my account at XXXX night. When I called to check my balance on my rush card it says my card is inactive. I called the rush people and they explained to me that they were having computer issues and they would have my card active in XXXX hours and assured me my money would be there. Since then I have called everyday and I am not able to speak to a customer service rep my card is still inactive and I am unable to get my money. I was also promised an email and still have not heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CBE Group, Inc. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00}, cbe group for {$6600.00}, {$1400.00}. also,   XXXX   XXXX   for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any   XXXX   XXXX   to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks

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 02/23/2016 about Consumer Loan (Installment loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Shopping for a loan or lease

Complaint: Ford credit corporation keep on calling me at work for some late payments but they have the wrong person, same name as me but different last name also never have a ford credit or driving a ford car, it was a former employee. Keep telling customer service to remove my name on the list since XXXX of XXXX but they still calling me and I felt like it was an harassment but up to this date XXXX/XXXX/XXXX, they continue calling me. I wanted to file a complaint to Ford credit corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (AP).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company is calling family members about a " debt '' I am unaware of as I have not received any letters or notification of money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of Identity Theft twice in the past two years. I am an XXXX XXXX XXXX XXXX, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to Experian, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

Sincerely, 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 03/24/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern, I am responding to the findings from my request to dispute my credit report and wish to address the OWEN LOAN SERVICES and HOMEWARD RESIDENTIAL. 
In the enclosed documents you will find in my Divorce agreement ( Encl. 1 ) file in XXXX, XXXX County, Florida Case # XXXX Division No. XXXX signed and agreed on the XX/XX/XXXX page XXXX & XXXX Real Estate located XXXX XXXX Florida was signed over Quit Claim Deed XX/XX/XXXX. ( Encl. 2 ) which states she is responsible for all taxes mortgage and interest thereafter. I turned over the loan in good standing. 
I question the existing mortgage that I have no idea maybe she refinance and without my consent use my name. I am unable to question the mortgage company because they state I have no authorization. Then why is it affecting my credit? I wish no harm or charges against her just wish this be removed from my report and all future actions be blocked for my protection. I work for the federal government that requires clearance and previous law enforcement which required integrity in the personal issues. 
Please review the enclosed documents and advise further action required. Thanks, your attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm getting calls from a company claiming to be " Miller and Associates, '' phone number XXXX. Most of the time they call and hang up or I call and they hang up. They call saying I owe about {$4000.00} from a bank account with XXXX bank opened in 2011, and when I tell them that I have no idea what this is about they begin saying that I can deal with it in court. I have received no letters in regards to this debt, it 's not even on my credit report. I 've asked them numerous times to send me a letter with information about this and they say that I 'll just have to appear in court. I spoke with a " XXXX XXXX '' and she said that I was trying to defraud a bank, that I need to just " pay my bills '' and " good luck keeping my job. '' She even asked me to give her my employer 's name and phone number so she could talk to my boss, which I do n't understand why that has anything to do with anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (I do not know) with JLU Asset Management Group LTD (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: got a letter from a collection agency stating I owed XXXX XXXX dollars for an apartment I had six years ago. I called the apartment complex and they told me it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: In XXXX I purchased a XXXX XXXX XXXX. The vehicle defaulted and repossessed for payment in XXXX due to job loss and death of a parent and. In XXXX of XXXX I received a XXXX from a third party to pay taxes on the financed amount. Second incident stemming from the XXXX Serial NO. XXXX. I received a call from XXXX XXXX XXXX in XXXX, Texas on XXXX/XXXX/XXXX. Regarding a school zone ticket for {$430.00} which occurred in XXXX. I immediately faxed over A letterhead from Wells Fargo the lienholder referencing Notice of Our Plan to sale dated XXXX/XXXX/XXXX. I have thoroughly researched and seek further guidance to understand why more than two entities have manage to further allow my identity to be compromised without my knowledge. And what actions should have been taken to initiate updated documentation. Please respond with the next recourse of action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit card () with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: XX/XX/XXXX, I had originally opened a credit card with Sovereign Bank, which was administered by the third party XXXX XXXX XXXX. XXXX Santander Bank 's acquisition of Santander Bank XX/XX/XXXX, all credit card administration was transferred from XXXX XXXX XXXX to be handled in house by Santander Bank. Upon reviewing my credit report XX/XX/XXXX, I noticed that my credit reporting history dd not include any of the time that my credi card was handled by XXXX XXXX XXXX as part of Sovereign Bank. I inquired about this first with Santander Bank, and was told that they did not have any record of my credit history prior to the acquisiton on Sovereign Bank, ( this despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over ). I was instructed to contact XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they no longer have n records of the credit history for any clients that were transferred to Santandr Bank, as all client records were handed over toSantander Bank. I have filed multiple inquiries with Santader Bnk to no avail, and am contnually told that they do ot have any information, again, this is despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over following the acquisiton by Santander Bank. This situation is negatively impacting my credit score and the average age of my account balances, as well are credit reporting history. I am requesting a formal CFPB complaint to be filed against Santander Bank and XXXX XXXX XXXX regarding into this matter.

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 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Original account was purchased by Pinnacle Credit Services LLC and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. Pinnacle closed there doors and was purchased by another company named XXXX XXXX XXXX located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened in XXXX of XXXX and the original delinquency was in XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company was switch three months ago to Nationstar Mortgage and I never received up to date statement. I try calling them, every time I call they telling me that they will male it. Even I made my payment for XXXX 2015, I just received letter today that they did not received my payment!!!!!!!!!!!!! Worst experience ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am on the do not call registry and I keep getting calls from these companies saying that my credit card needs to be updater or my information needs to be updated and I don't have a credit card when I ask to speak to a supervisor I get disconnected. 

If I am on the Do Not Call Registry why do I continue to get these calls.

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 08-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is stating I own XXXX XXXX over XXXX I do n't own XXXX XXXX a dime. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Hi, I have filled a dispute on X/XX/2014 at Bank of America credit card for {$850.00} for XXXX XXXX which is not taken care of yet please help me out. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have reported these items on my credit file to my credit reporting company ( equifax ) as these XXXX items not being mine and they have refused to remove them and have costs me {$1000.00} 's of dollars and costs me employment and mortgage loans ... .These items are XXXX BANK LOAN for {$19000.00} that is not mine and has XXXX appeared on my file in XXXX or XXXX i immediately notified XXXX bureaus and it was removed from XXXX and XXXX but equifax refused and i asked then to prove this is mine with invoices they i have signed or statements from the company or even loan docs that are for this loan and they have flat out refused my demands breaking the laws put in place by the fcra i want them to prove this is mine and they have refused my requests i will continue to file complaints until this item is removed. The other item as well is not mine and i have requested for over 2 years to remove this as this is not mine Nissan/Infiniti that is not mine and according to the fcra i requested docs stating this is mine and they refuse my requests to show these docs to me signed by me and if they cant show me the proof they must remove it according to the fcra law, they are breaking a federal law and i demand these items be removed at once or i will file a 10 million dollar lawsuit in federal court if it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Closing/Cancelling account

Complaint: DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have literally disputed items with experian and never got any results!!! They have damaged my future. These accounts are not mines. The company didnt invistegated my claims properly. Ive asked for proof, they sent me an updated credit report nothing validated with my signature or drivers license!!! They are reporting old accounts as open!!! Per FCRA you can not re age a old debt!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Phoenix Financial Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. 

This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I 've had a mortgage with Ocwen for the past number of years and had fallen behind in my payments. I was making payments but about 30-40 days late. They sent me an unsolicited modification offer that I reviewed and accepted. I followed the directions ; sent in my trial payments ( 3 months ) and, they, then rejected the mod based on a conflict of names on the title and their loan forms ... I sent them a notarized name affidavit which they received on XXXX/XXXX/16. since then, I have been getting run-around with no resolution. 

My home is the only asset that I posses and it seems that, since they returned my modified payment allegedly because the mod was denied, they are now telling me that they have no idea when this will be resolved and that I am now at 109 days in arrears. 

I am hoping that your agency can get me the approval that I need to continue staying in my home ... from all the claims that I 've read against Ocwen I believe that they are looking to get me to the point where I owe too much to catch up and they get to foreclose. I must avoid that from happening

Company response to consumer: Closed
Consumer complaint received 09/28/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In 2012, my now ex-girlfriend added my name as an authorized user on her {$10000.00} limit card from Wells Fargo. She maxed out her card, and now the bank is reporting my to credit agencies. As an authorized user on an account, I can not be held liable for the debt incurred. The bank does not seem to understand this.

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 12-12-2015 about Credit card () with DISCOVER BANK (MN).
Issue: Closing/Cancelling account

Complaint: My card was closed because I filed an excessive number of disputes. What would be considered an excessive was never disclosed anywhere. They also said I did n't submit information with disputes, where most of the time I did, but the times I did n't were because I wasnt able to. 

There were also errors made in how they dealt with me asking for information in reguard to a transaction from a merchant. They considered that a dispute and ultimately used that to close my account. And they will not let me reach out to anybody else. 

Please note I have also recorded the call where they admitted all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This complaint I am submitting is on equifax. This credit reporting company is reporting wrong incorrect information on my credit file. I just received an e-mail with the results of there so called investigation which took less than 10 days. XXXX acct # XXXX first it reported that my payments are {$4800.00} per month. I disputed that information as that was completely incorrect. Now they are reporting that my balance is {$4800.00} which is still wrong. I had an auto lease opened XX/XX/2013 for 36 months with payments of {$320.00} per month. The lease was up ( I returned the vechile 1 month prior to the 36 months ) and re-leased another vechile from them. The report is showing that they received payments for 28 months that would mean that the car was turned in 8 months prior to the lease expiring. This information is WRONG. I do NOT owe {$4800.00}. XXXX took my last months payment being I turned the car in 1 month early and put it into my new lease. I am very aggravated with equifax as they are just throwing any information on my credit report which is causing my credit score to decrease. I myself contacted XXXX and confirmed that the lease was to full term and paid. I feel equifax is not doing a proper investigation as it would come back to them that this account was PAID in full with NO balance. acct # XXXX. My next complaint is equifax said they completed there investigation and again with acct # XXXX XXXX it was first reporting as a {$380.00} charge off ( which is also wrong because this account was paid in full ) it now it showing a high balance of {$560.00} with a note ( charge off amount XXXX ). Under the comments though it says there was a charge off. This information is completely wrong. XXXX is no longer in business. I was told by a prior rep that they ( equifax ) never received a response from XXXX when I disputed this months ago. I was told by law it is to be deleted. I monitor my credit file very closely as my credit worthiness is extremely important to me. I have been trying to have equifax correct and delete these XXXX accounts as it affects my credit score. I will again be submitting a complaint to the Better Business Bearou again about equifax. This is my credit worthiness not there 's and this credit reporting agency is terrible. I wish to submit this complaint in hopes they will finally correct and delete these XXXX items as they should not be reporting wrong information like this on my credit file.

Company response to consumer: Closed with explanation