milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Complete XXXX Loan Modification Package submitted to Seterus on XXXX/XXXX/XXXX. They did n't review the documents for over 30 days, making the documents out of date. Updated documents sent and sent again. Called and told the package was complete. Called a few days later and was told there were missing documents and the other agent was mistaken. Sent in the missing documents. Then apparently another missing documents letter was sent to the homeowner on XXXX/XXXX/XXXX. Was not received until XXXX/XXXX/XXXX. XXXX asked for missing docs to be submitted by XXXX/XXXX/XXXX - over the XXXX holidays!! DOcuments not received by XXXX/XXXX/XXXX and file closed on XXXX/XXXX/XXXX. XXXX XXXX at Seterus now saying that file can only be reopened with ENTIRE NEW PACKAGE SENT, and the cycle starts all over. WHY DOES SETERUS DO THIS TIME AND TIME AGAIN?? It 's back to XX/XX/XXXX. XXXX XXXX 's supervisor, XXXX XXXX says we do n't have to resubmit a NEW PACKAGE. We just have to send in the information requested in the missing document letter. What is correct or true? 

Seterus on behalf of XXXX is deliberately not reviewing documents and providing false and misleading information about these files to homeowners and their advocates. 

I just spent 30 minutes on the phone with XXXX XXXX, who said that the file was closed because they were seeking information that was duly provided ( I have emails that show the information was sent ) about a contributor. This also happens time and time again. You send Seterus information and they claim they never got it. 
I still do n't know what to do or what to send and why I have to send everything in again, just to be in the same place in a few months. Why is this going on in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditor 's collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

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 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: on XXXX/XXXX/XXXX i made a transaction with XXXX of XXXX for XXXX dollars. i will describe myself as ( a ) and XXXX as ( b ). When the charge reflects on my on my account subject ( c ) which I never knew charged XXXX when I contacted ( b ) about the charge they stated that they only receipt XXXX and the difference was the banks charge. when I contacted the bank the first time they stated that there was a foreign transaction fee and also a conversion fee. when I contacted them again and told them that yes there is a foreign fee but that this transaction was not subject to a conversion fee now they state that ( c ) did not charge XXXX but XXXX. That is the complaint, that I am being overcharged by ( c ) when ( a ) and ( b ) agreed on price of XXXX dollars. ( b ) sells the product and ( c ) produces and delivers the product.On previous occasions I have made purchases from XXXX and never had a problem with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XXXX/XXXX/17 i attempted to link this account with the stock for the business line account and got an error message. i ws promoted to file this notice

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a written collection notice from Enhanced Recovery Company , LLC ( ERC ) of XXXX, Florida attempting to collect a debt for XXXX. 

I followed the instructions on the collection agency letter and responded in writing in 2013 to dispute the validity of the debt. My letter included the specific statement : " This account is not mine and should be removed from my credit report. " I went to a local XXXX store and was able to learn that my social security number was among the information used to open the account. Other account information included a State of Georgia driver 's license number and expiration date, mailing address and associated home telephone number for a residence in Georgia. 

Learning that my social security number was used to open this account, I filed a police report with my local law enforcement agency and placed fraud alerts with the XXXX credit bureaus. I completed and returned the ERC fraud packet at that time. 

Now, nearly 2 years later, I am unable to obtain a home mortgage because a credit bureau still reports this XXXX account as a collection item against me ; the other XXXX bureaus previously removed this fraudulent collection account. 

I was unable to receive even a pre-qualification letter from XXXX lender due to the appearance of this collection item, even though the item includes a note that it is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying XXXX is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my XXXX report is it shows a XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for Experian there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to 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 12/18/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Accelerated Receivables Management, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company contacted me regarding this debt and have not provided me with additional information, nor verified where I agreed to take on such a debt as this. Which obviously, I have not. 
A XXXX XXXX, I believe, has begun calling the workplace and started a harassment campaign.

Company response to consumer: Untimely response
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My husband and I both received are 3 credit reports on XXXX/XXXX/XXXX. Each one of our credit reports from only Transunion showed Account Review Inquiries from companies unknown to us. We have lived in XXXX XXXX, OH for 26 years at the same home address. The unauthorized inquiry for my husband was from XXXX XXXX XXXX in XXXX, FL on XXXX/XXXX/XXXX. I called the company and they admitted that they were looking for someone else with a similar name when they made the inquiry. My report showed an account review inquiry from XXXX XXXX in XXXX, CA on XXXX/XXXX/XXXX. When I called them, they denied any such company existed at the listed address and phone number. I am concerned the the XXXX XXXX could have been an attempt at identity theft. My husband is concerned that the inquiry by XXXX XXXX could result in future inquiries that he has approved wondering if he had a bad payment record in the past. I reported all of the above via phone to Transunion. They stated that the inquiries would be removed, but why did they even occur without our consent? Is it legal for anyone to review your credit report? Advise. Please respond via e-mail to XXXXXXXXXXXX. 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 04-05-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. 

I wish this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Other

Complaint: XX/XX/XXXX SYNCB/Lowes # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX RE : Credit Dispute Resolution from XXXX Credit Report Dear Sir/Madame : My name is XXXX XXXX . XX/XX/XXXX my credit report shows 30 to 60 to 120 days late on a charge of less than {$100.00}. The Lowes Credit is always good paid full. I bought a washer and dryer totaling over {$1900.00} from Lowes ; paid it in full with no problem. 
It appears a charge was put to me in XXXX XXXX for less than {$100.00}. I would never let such a small amount of money ruin my credit, as it has. 
I did not make this charge. No matter, I will pay it now to save my credit. 
As this negative information is preventing me from gainful employment I would like to request that it be removed from my XXXX credit bureau reports. 
Please contact me. 
Humbly Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AARGON Agency , Inc will not reach out to research this account not consider any of my documents from an ID theft I experienced while living in a XXXX XX/XX/XXXX. I have sent them my insurance card for services rendered in XXXX XXXX and a police report for the ID theft on the XXXX XXXX services while living at the shelter that is also attached to the dispute on my credit report - AARGON said they will NOT look at those documents ... It is real frustrating how these collection agencies can easily attach an unconfirmed account, especially since the new debt collection laws have taken place in the state of NEVADA. Please help me in the matter, I feel XXXX three times over and have the documents to prove that I do not owe this debt to XXXX. I have also sent these same documents to XXXX XXXX XXXX today ( XXXX/XXXX/XXXX ) to the attention of XXXX - whom is the PT Accounts Services Manager. Research and review of these documents you will notice that my name is partially my maiden name and married name ( XXXX ) on my supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I called creditors in regards to some inquiries that were showing on my credit file. I called and spoke with XXXX at XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX and XXXX at XXXX XXXX. And all have basically stated that I have no account for them to send anything to credit bureaus. For me to contact creditor bureaus to have inquiries removed. I explained that credit bureaus instructed me to call creditors for some sort of proof that they are giving permission to remove inquiries. I also called XXXX and left voicemails with XXXX XXXX, and left voicemails at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with no return phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2016 about Debt collection (I do not know) with AFNI INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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 disputed the account with XXXX XXXX, experian, XXXX, and XXXX 3 times. XXXX and XXXX verified that this account was not mine and also that the company did not respond within 30 days so it was deleted. Well with Experian they are still leaving this on my credit and I this is not my account. I have not had any resolutions from experian or account recovery on this account. I asked for proof that this account is mine and I have not had any results.

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 03/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm filling a complaint against Equifax about information on Public Record and collection.I want dispute an error with Equifax showing that I have a tax lien with IRS. The reference number XXXX, filled XXXX XXXX 2009, amount {$5300.00} federal. This federal tax lien was paid off and cleared. I have information with attachment. I want this information removed from public record now. Plus. In Equifax collection they are showing that late billing with XXXX XXXX XXXX I was late with payment. It also showed that XXXX XXXX XXXX collection agency. I paid that bill in full at XXXX XXXX XXXX billing office in XXXX, Arizona that month of billing cycle.I want this remove from my credit report now

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Equifax that the mortgage was never in default. Equifax customer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: This is a weird XXXX. I submitted a Dispute through transunion and it was for something small on an account that hadnt been marked Closed as on the other XXXX CR agencies. This took place on XXXX. Now here is were it gets weird. On XXXX XXXX my credit score on XXXX dropped from XXXX to XXXX. Now knowing this, there was no change on any of my credit reports maybe very minor but nothing that should have caused my credit score to drop. All three of my credit reports are basically the exact same with very very minor differences on closed accounts but thats it. The other weird thing is that at the same time my other XXXX credit scores went up from XXXX to XXXX all within the same week. Ive tried to call Transunion but Im on the longest scheduled deployment in naval history so usually dont get much time on land and they wouldnt help. Any assistance would be greatly appreciated. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against XXXX and Experian for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. Experian failed to respond at all and I still have not received any paperwork from them at all.

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 10/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: As of XX/XX/XXXX my home loan was transferred by the XXXX XXXX XXXX to Ocwen. XXXX told me that I had to make my loan payment of {$3600.00} early prior to the transfer. They said that Ocwen would be notified and that the advance payment would be applied to my first payment with Ocwen. This did not happen. The transfer was botched and Ocwen insisted on requiring an escrow account for my loan even though in 30 years of making loan payments there had been no escrow requirement. Because of the extra amounts that they demanded for the escrow, they have claimed that my loan was paid late and was insufficient. I have written to CFPB about this and you were successful in limiting some of the penalties inflicted by Ocwen although they still maintain {$350.00} in late payment fees. 

I would like to have this carry-forward charge removed. I would also like to remove the credit dings ( two late payment indications ) -- - XXXX by XXXX and XXXX by Ocwen for XX/XX/XXXX and XX/XX/XXXX. I have no late payments on my home mortgage record for over 30 years, and no late payments on any of numerous credit cards -- -only these two late payments inflicted by XXXX XXXX XXXX and Ocwen which occurred because of this loan sale that I did not request. 

I have referenced this matter in case number XXXX and case number XXXX. Those have more background for this long standing big bank misbehavior. 
Thankyou for helping. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: this is XXXX XXXX i 'm here to file a complaint again all XXXX credit reporting companies ever since last year i apply for a credit card from XXXX XXXX they pull my credit but the problem is they said my credit was locked by credit reporting companies they had no right to lock my credit so i could n't get my score they been messing with my scores they keep knocking off points from my score keeping me down in the XXXX i should have a good credit score i try to pay my bills on time i 'm trying to build credit but these companies do n't wan na give me a good score there doing fraud things to me and i want to find out what i can do about it i been trying to get all XXXX credit reports but they do n't wan na give me a report and score so i can know how my credit is doing they do n't post to keep you from getting a report

Company response to consumer: Closed with explanation