milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX XXXX had no right to property. XXXX XXXX of XXXX was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violationsent po report and idtheft govnot mine XXXX XXXX and equifax taking more than 30days

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Other transaction issues

Complaint: I am US Citizen and made a transaction from website online to send money via western Union having MTCN number XXXX amount {$290.00} USD on date XXXX XXXX, 2016 through my Debit Card to my father In law/friend XXXX XXXX in XXXX XXXX, XXXX XXXX during XXXX XXXX, but I found he was not there, then very next day I request to cancel the transaction via western Union and submit the Information in details, but they are asking receivers Photo ID. I have no Photo ID of receivers side. I have all information of my Self legally but not from the receivers side. Now they saying they can not send me my Money back.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, Experian, and XXXX  on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3 XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VAXXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX   XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, 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 non-monetary relief
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XX/XX/XXXX. Yet Experian consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from XXXX program to another program. Yet Experian consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I no longer have ( XXXX ) phone number. Yet Experian is consistently using this phone number. 
I have mailed many times to Experian to correct these errors. Experian is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected 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 03/22/2018 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: Was not notified of investigation status or results

Complaint: Please remove this inaccurate information from my credit report. I have submitted numerous disputes thru the company and credit reporting agency, I have yet to be provided with proof or any correspondence. This account/debt does not belong to me and is harming my credit character.

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 09/26/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: WENT TO GET A NEW CAR AND XXXX SENT MY SSN NUMBER TO SERVAL BANKS WITHOUT MY CONSENT AND THEY MADE HARD INQUIRES ON Y CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Credit Card. Charge off date of XX/XX/XXXX. XXXX from XXXX XXXX XXXXXXXX to claim absolved debt as income for XX/XX/XXXX taxes. Form from XXXX XXXX XXXXXXXX was created XX/XX/XXXX.  Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.

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 10-11-2017 about Debt collection (Credit card debt) with Michael Haynes & Associates, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Called office line on XXXX/XXXX/XXXX from XXXX - XXXX. Inquiry regarding to a closed Credit Card from XXXX. We asked company to send the notice in writing, continually called and harassed office staff. Profane language and repeated calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (FL).
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 have been disputing PNC bank chargeoff account since around XX/XX/2017. I want this negative item deleted from my credit report as I believe it has been reported in error. In violation of consumer protection laws like the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was an inquiry made by XXXX XXXX on XXXX/XXXX/2016 that was incorrectly reflected on my credit report. I contacted the creditor and received confirmation they would make the required updates. I also initiated an online dispute with experian and received a response stating they could not remove it because they are required by federal law to list all organizations that have requested your credit history. 
However, the hard inquiry shown is reporting incorrectly. 
I have attached the letter I received stating this would be corrected.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY

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 01/27/2017 about Mortgage (Conventional fixed mortgage) with NATIONS RELIABLE LENDING (TX).
Issue: Settlement process and costs

Complaint: Lender Nations Reliable Lending aka XXXX NMLS ID # XXXX located at XXXX XXXX, Texas XXXX originated a conventional 10 year fixed cash-out refi for my home. NRL provided a truth in lending ( TILA ) closing disclosure that outlined the terms of the loan including no-prepayment penalty and no balloon payment. Due to NRL 's miscalculation of P & I payments as evidenced by the Amortization Schedule a balloon payment results in the final balloon payment of over XXXX payment which exceeds the error tolerance of {$100.00} or .5 % of loan face value. It is highly likely that this error is systemic and has impacted a significant number of loans originated during the same time frame and/or prior. The harm that has resulted are as follows : 1 ) Loss of time having to recollect documentation to re-close the note. 
2 ) The potential loss of opportunity to capitalize on prevailing market rate at close 3 % with points. Currently approx. 3.75 % 3 ) Expenditures associated with having to consult both legal and accounting professionals regarding recourse and financial documents for new underwriting requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: transunion began an investigation on XXXX bank XXXX on XXXX/XXXX/2016. 
BY FCRA REGULATION THE RESULTS OF THAT INVESTIGATION WAS TO BE COMPLETED BY XX/XX/XXXX2016.THE INVESTIGATION WAS COMPLETED ONE DAY LATER. 
TRANSUNION CAN NOT CHANGE THE LEGAL RESTRICTION OR PROTECTION AFFORDED ME BY FCRA.TRANSUNION HAS NO LEGAL CHOICE OTHER THAN TO IMMEDIATELY DELETE THIS ACCOUNT.

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 01-06-2016 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: During a recorded phone call on XXXX/XXXX/XXXX, a supervisor by the name of XXXX ( XXXX? ) in Dovenmuehle 's Loss Draft Department repeatedly stated that they follow " XXXX loss draft guidelines. '' In a subsequent call on the same day a representative named XXXX confirmed that XXXX 's statement is the same guidance that " they '' get. Presumably " they '' are the representatives in the loss draft department. 

However this can not be true. Per XXXX XXXX 's own website : " Consumers are sometimes mistakenly advised that because their government-insured or government-guaranteed loans XXXX serve as collateral for XXXX-guaranteed securities, XXXX XXXX determines servicing decisions regarding their loans. 

However, XXXX XXXX does not set standards for mortgages that are to be federally insured or guaranteed. Each agency that is providing the mortgage insurance or loan guarantee sets the standards for the mortgage originated and the approved lenders that participate in the XXXX XXXX program are responsible for ensuring those standards are met for consumers ' loans. These lenders have complete responsibility for servicing decisions. XXXX XXXX does not make any servicing decisions. XXXX Another supervisor by the name of XXXX the XXXX day confirmed that they in fact choose to follow XXXX guidelines XXXX not XXXX XXXX XXXX This was not the first time that I have spoken to someone in Dovenmuehle 's Loss Draft Department confused about what kind of loan I may or may not have and if they are following XXXX XXXX or XXXX rules. This is documented in a fax I sent to the Loss Draft Department on XXXX/XXXX/XXXX. 

Dovenmuehle 's business is mortgage servicing and therefore they should be able to provide more accurate information regarding mortgage servicing to consumers. This is an egregious misstatement of their own policy, but more importantly that of a wholly owned U.S. Government corporation. It is disingenuous and irresponsible for Dovenmuehle to pass off the responsibility of their own policies on another entity. It is also concerning that phone representatives and supervisors in a company dedicated to mortgage servicing are so mistaken about their own business, industry, and regulatory environment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my 3rd attempt at trying to resolve this matter with XXXX XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We received a XXXX package from Lakeview Loan servicing that states the servicing of our mortgage loan was transferred this past year to Lakeview Loan servicing from our former lender. That is a false statement and deceptive advertising to offer us a refinancing with Lakeview. This sent us into a panic as we never received any notice or documentation from them or our current lender that it was transferred and we had just made our monthly payment to our current lender. See attached documentation.

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 01/19/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i am filing this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On XXXX/XXXX/XXXX at approximately XXXX, a call was placed to my employer from Comenity Bank regarding a XXXX XXXX XXXX. They asked several people in my office if I worked for them, and stated they are " chasing him for a XXXX debt. '' I finally got them on the line and instructed them to reach me in writing and that it was simply not right to share my debt information with everyone in my office. Is n't calling and reporting about my debt to my employer illegal!?! please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was originally held by XXXX. In XX/XX/XXXX they sold my loan to Caliber Home Loans ( CHL ). On XX/XX/XXXX I received a call from a CHL representative XXXX employee ID # XXXX stating at that time my account had a credit of {$820.00} making the amount due for XX/XX/XXXX {$660.00}, which I paid during our conversation. Since that time to present my account has not been correct. I have made my monthly payments via phone each month paying the amount the representative showed owing on my account at the time including occasional late fees. I started receiving Pre-Foreclosure Notices, the first dated XX/XX/XXXX, sometimes multiple copies of the same correspondence on the same date. At one point the representative I was speaking with told me, when I asked to speak to a supervisor, that none were available, however ; I could speak to someone in a lower position than him or " hold for thirteen hours '' to speak with someone with authority enough to correct my account. Being fearful of loosing my home, and unable to get a clear answer from CHL regarding the actual amount due, I started the Loss Mitigation process on the advice of the representative. 
After receiving the application I completed all sections, attached the documentation requested, faxed and emailed the packet to CHL on XX/XX/XXXX. This information was requested again numerous times which I both emailed and faxed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with additional documents requested sent on XX/XX/XXXX and XX/XX/XXXX. Today, XX/XX/XXXX I received notice that the Loss Mitigation was denied due to the documents requested not being provided. Although on XXXX XXXX, XXXX XXXX, employee ID # XXXX, stated CHL had everything they needed, underwriting had the packet and would have a decision within thirty ( 30 ) days. He also suggested that I phone once a week for a status update. 
It has also been brought to my attention that the last half of my XX/XX/XXXX Real Estate taxes due on XX/XX/XXXX were not paid on time and have accrued interest and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Medical) with Jon Barry and Associates, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Medical bill that is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Have tried to get a loan modification from ocwen but they keep saying I did n't send everything in XXXX time so I kept going through the motions. In the meantime, a tree fell on my house blowing fuse box and wire along with a tree through my living room roof and ceiling. It 's been XXXX days without power. I and my animals are dehydrated and I spent XXXX to stay somewhere else and pay part of tree removal. Because they got a FORCED policy on the house, they refuse to give me the money to fix my house and get power back on. I would love to keep my house but I have seen too many complaints about ocwen to know that they will not help. Also, I ca n't speak to an american. I do n't understand any of them. I now have no money to stay elsewhere until they make a decision and do n't have anymore money to fix the power and roof myself. I need help. XXXX XXXX

Company response to consumer: Closed with explanation