milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Hello, My name is  XXXX  & I have been asked by  XXXX   XXXX  to help him file this report against  Wells Fargo.    He had Personal Checking & Savings, Business Checking, Merchant,  Visa Credit Card & even Mortgage account with Wells Fargo fo r many years.     However, in the years roughly of   XXXX   till he closed his banking account w ith Wells Fargo.. He was Charge for transactions he did not make not to add, there  was dupplicate car d ( s ) us ed in another state.     I am trying to help him sort out statements he has.   Its a bit hard because all he can tell me with certainty is that after going to the branch numerous times and being told it was a computer mistake that it would adjust, it turned into, just ignore it and  XXXX  had very good credit and he could not ignore it and he paid these charges.     Since he was given a new card from time to time because he would go to the branch often & they kept the fraudulant card its hard for me like i was saying to figure out which account numbers of so many that he has many statements to.     He paid charges he did not make.   He was changed account number and made duplicate cards without his consent.   He was a victim of fraud and some time before closing out his accounts he was told in a branch near his business that he could sue within  6years.

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 06-08-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I saw several years back around  XXXX  that there was a new account on my credit report  from GE Capital / Lowes w ith a credit limit of {$20000.00} opened up and active. I contact the bank directly and told them that is was clearly fraud and to please close the account. They did and they have now sent it to a collection company named   XXXX   XXXX   which they have even said it was FRAUD and they sent it back to the bank ( SYNCHRONY BAN K / LOWES ) to clos e it out again! On  XXXX / XXXX / XXXX  Synchrony Bank /  Lowes r eopened the account and added it to my credit file again! They bank has several police reports to bad my story up but they just want listen to me. Now lm losing my house on Wed due to the fraud there commenting against me. Now i do n't qualify for my home loan and I 'm now losing my {$220000.00} down payment on my new house, All because of this!!!! Please help me.

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 06/23/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been fighting this battle Of Identity theft among many Creditors that they believe that the account has been verify as being mine. Macy 's just verify the account by identifying my name and address to be correct and it match their records, therefore the Credit Card accounts are mine, without telling me how they concluded with the investigation of both accounts, No information has been released to me, to let me know about their determination about those Macy 's Accounts, where they can prove I actually made all of the charges on those Credit Card Accounts. Instead what I found out later is the fact that Macy 's all of the sudden created another different Credit Account Number the difference between of both account is the fact the numbers are different ; but the opening date of both accounts are the same and both carry the same balances, Frankly I have never seen anything like it, The problem is that both account are creating a big impact on my Credit Profile and Credit Score because both accounts are close, but the problem is that every month they are reporting that both accounts are over the limit, and also reporting as both being late payments, when in fact both accounts are closed, on top the last payment according to them were received over 4 years ago, per Fair Credit Act and the provisions if the account are over 4 years, and trying to collect a debt are in violation of the statute of limitations in California where I reside, Please see the issues in detail to see If I am correct that there is violations, for example how in the world a Credit company can create XXXX accounts under the same name account holder, and both has the same balance and opening dates. 
This account were reported as of Identity Theft I submitted the Police Report as well as the Federal Trade Commission Affidavit to Macy 's apparently they ignored it, you can find as well the Case Number under FTC. on the police report. 
Also I Wrote a letter to Macy 's as you will see int he attachments dated XXXX XXXX where I am specifying to Macy 's that they have 30 days to provide me with the documents requested it, as of today I have been ignored, it do n't matter the letters Macy 's had sent me stating that the account has been validated but How?, when? where is the Investigation Report? I ask them if you fail to provide such information within 30 days they must Remove/Delete both accounts and Notified the XXXX major Credit Bureaus to update my Profile.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I can not access any of the Experian on line services because a message is returned that the information entered can not be validated or the information submitted does not match the information on file. Experian does not allow any connection to a " REAL PERSON '' no matter what I try,. I have called all the telephone numbers that are available and every one of them gets me an AI voice machine that provides absolutely no ability to connect to a person. I have my account on CREDIT FREEZE and periodically I have to suspend the freeze in order to open a new account, or with the current incident, purchase a new vehicle. Everyone, myself included, is rejected whenever they try to get information from Experian about my credit. Experian has some corrupted, inaccurate information on file for my account, and I have no way to get them to correct it. 

It is not right that any company can control my ability to purchase a new vehicle or any other financial transactions without giving me the opportunity to contact them and have them correct their records. The only option they allow is for me to write to them in Texas and they will try to help me within 15 days, providing I send them a long list of proof of identity. I have done this but I do not have 15 to 20 days for them to take action on a problem they have caused. Remember they were the ones who enabled HACKERS to access my account and all my financial date. 

Experian should not be allowed to prevent me from contacting a real person when I am having these type problems with their records on me. Their web sites provide a telephone number to reach customer support or to reach technical support, but, all these numbers connect to an artificial voice machine that always ends up in the same place, no connection to a person and no resolution of the problem. 

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 explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , XXXX , and Experian. asking to reinvestigate information. Experian sent me a letter saying it will no longer investigate this account. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XX/XX/XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX. the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX, XXXX Unable to go online and put a security freeze on my personal account! 

This is very frustrating that Equifax has my credit info stolen and I am unable to protect myself by going online and placing a freeze on my account. As has been recommended. 

Thanks so much for your continuing help and support! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Bankruptcy

Complaint: I had a bankruptcy and had a judgement taken care of within the BK, now Bank of America is refusing to release the lien they placed against my house for this judgment.

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 01-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: failure to send a XXXX mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX has contracted with several debt collection companies. Each of these debt collection companies are contacting me for the same debt. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request each of these companies to stop contacting me. I also request to delete these entires from my credit report as the are in efforts to bully me with the same debt. The same debt is listed numerous times on my credit report with different credit bureaus. The companies are operating under Several different names, hence its difficult to determine who I 'm actually dealing with.

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 10/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several hard pulls on my report that are not mine. for months I have been trying to work with eqifax and have even disputed the pulls. the dispute was entered at night and not 8 hours later they stated they investigated it and they were not pulling the wrong info down. I also disputed the info with experian and XXXX whom took my report and took the wrongful hard pulls down, started a fraud alert and were very helpful. Equifax is near impossible to get anyone that can or will do anything, today I filed a police report due to hard pulls that are not mine, Equifax stated they would not do anything about it. I 'm submitting complaint here in hopes to get action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Refer to my previous compliant ( XXXX ) regarding negligence servicing by " Ditech '' Company, and despite their letter of apology and their claim of correcting their error, I just received a " Notice of Default and Intent to Accelerate '' letter from them dated XXXX/XXXX/2016. When I called their representative they are not able to tell me how they determine that I owe them a balance ; moreover, I have all documents proving the I have made all of my payments accurately, properly and timely. They have caused me a great amount of anxiety and distress by their incompetent conduct in servicing my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is reporting my previous mortgage account as currently 30 days past due which is impossible. The loan is paid in full and pays as agreed. I am filing this with CFPB as a pre-cursor to engaging legal counsel. This is BLATANT and malicious reporting by Transunion and I will not be bullied. See below from Transunion : Account Name Balance Balance Date Monthly Payment Term XXXX XX/XX/2015 XXXX Account Details Payment Status TransUnion XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/2015 Status 30 days late Loan Term 360 Loan Type VA real estate mortgage Opened XX/XX/2015 Reported XX/XX/2015 Remarks Closed Creditor Information XXXX XXXX XXXX XXXX , CA XXXX Phone # : XXXX Your 3-Bureau Report is Ready VIEW IT NOW

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 07/20/2016 about Debt collection (I do not know) with Independent Recovery Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phone number XXXX keeps calling my home and leaving the following message : " We have an important message from Independent Recovery Resources, Incorporated. This is a call from a debt collector. Please call XXXX. '' When you call the provided number, it gives you their contact information ( IRR, Inc. XXXX XXXX NY XXXX ; irrcollect.com ) the option ( press 3 ) to enter in your phone number if the debt does not belong to you. I have submitted this information and I continue to get the calls.

Company response to consumer: Closed
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is carrying XXXX ( XXXX ) derogatory items and list them as open and unpaid. All my items have been paid quite sometime ago. These items, if they were mine, they need to be updated to show settled. Paid. Closed. etc.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with EOS Holdings, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: EOS CCA reached out to me on numerous occasions about a debt to XXXX XXXX. I advised them that the account was involved in some type of fraud and that I was in the process of filing a complaint with the state of New York, but they have continued to call. They have even gone as far to call relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Medical) with Alpine Credit, Inc (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is being sent to you in response to the above reference account that Alpine Credit INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Alpine Credit INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Alpine credit INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Taking out the loan or lease

Complaint: American Honda Finance has reported incorrect information to XXXX, has agreed with me that the information on my credit report is incorrect and has told me on numerous occasions that it would be corrected. To date, it has not been corrected, and it is hurting my credit. 
American Honda Finance has reported that my account was paid in a settlement, and that {$220.00} was written off. Numerous Honda Recovery service agents have verified for me this is incorrect, and that my account should read. Account Paid in Full. Account Closed. 
Also payment history shows a charge off in XXXX 2015. There was absolutely no activity in my account in 2015. Nothing was charged off in 2015. This should be changed to ND for No Data. My account under Account History reads Charged off as of 2015. This is incorrect and should be deleted. There are XXXX False items that need to be deleted/corrected. Thank you for hearing my case. I appreciate your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I discovered an item on my credit bureau from XXXX XXXX XXXX regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/XXXX I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX dba Cash Central, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.

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