milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: FORECLOSURE FRAUD CONSPIRACY. PLEASE HELP INTERVENE.. THANK YOU, CFPB. 

Attached documents for your examination ....

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Taking out the loan or lease

Complaint: My credit application to Citizens One for XXXX XXXX XXXX was just denied. My credit rating is XXXX! The credit card I offered has a XXXX Credit Limit and my current balance is less than XXXX. 
I am stunned and was frankly embarrassed by this action. 
Then, try to get an answer from the company! They deny access on the website and phone Unless you have an existing loan. 
Yes, I can go to a retail store and get the phone, but without the advantages of the XXXX XXXX plan, which is the reason I went to the XXXX in XXXX XXXX, California! 
XXXX should be looking into theses issues which from what I understand is not unusual. Others with excellent credit are denied access to the new IPhone benefit program for no cause. We are talking about financing less than XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Experian. 
2. Experian claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: A company called XXXX XXXX XXXX XXXX I had a bank account with them, it seems as though the company sold or changed name and is now called XXXX XXXX XXXX, well they have a account that they placed on my credit report, the problem is that I did not know that they report checking accounts ... but let me explain I had a tax check from the mother of my child that went into my account, the irs deposit the money in my account ... we started to use the money in the account to make transactions, when we went inside the branch to make a withdrawal the teller profiled is racially and decided to bring up the company policies, Im not saying that it was not the companies policies but they only said something because it was a lot of money and how can two young XXXX Americans come up with this money neglecting the fact that I have a account with them and they know by application that I was at my job for numerous years.. they took back the money right there and then and returned it to the irs, now because we had pending transactions that did not clear yet a chain reaction occurred now each item overdrafts the account and it was many transactions that was pending.. I called the customer services they assured me that they would reverse the fees due to the fact that its not my fault and they were the ones that took the money away that would have covered the pending transactions ... they never kept their word and promise the account was overdrawn like {$710.00}, then it somehow got to {$810.00} and they threw it on my credit ... now this company acted in bad faith doing what they did my account was in great standing up until they did that, and they promised me so they should have filled through with the promise to remove the fees

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 09/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Unable to obtain any of my annual credit reports online. I have had XXXX cc frauds in past year. How an you monitor credit if you ca n't get reports?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named Deville Mgmt placed a debt on my XXXX credit report that is not mine. I do not know who this company is, nor have I ever owed such an outstanding amount. The debt listed on my report just showed up as a collections debt yesterday XXXX/XXXX/17 and states that it is from Deville Mgmt with an account number of XXXX, stating that this is the original creditor and the amount is for {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with Experian, XXXX XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. Experian, XXXX  XXXXhas FAILED to do so. I feel as if Experian, XXXX XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if Experian, XXXX XXXX  and I can resolve this issue without having to see a courtroom. I will await Experian, XXXX XXXX response before I disclose any of my personal information.

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 07/28/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Deposits and withdrawals

Complaint: 1. XXXX/XXXX/2016 : I wired money to a Citizens Bank account holder. The money was urgently needed. Mailing a check would be too slow. 
2. XXXX/XXXX/2016 : Citizens Bank acknowledged receipt of the money. The money is " lost ''. 
3. XX/XX/XXXX-XX/XX/2016 : Daily follow-up with Citizens Bank . Money is still " lost ''. 
4. XXXX/XXXX/2016 : Promised call from the Citizens Bank Office of the Chair by the end of the day was not received. 
5. XXXX/XXXX/2016 : Continue to be at an impass. The money is not available to me or the specified policy older. Citizens Bank is not willing to anything but continue looking. Day 8 and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is still listing an account that is past the 7 year reporting period. 
XXXX/XXXX. Account number XXXX. This account has been deleted from XXXX and XXXX. Experian is the ONLY credit bureau that is still listing 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 08-07-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to :  For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Unable to get my credit report due to indenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The caller has been asked several times to stop calling my number that I am not the party he is trying to reach. He insists that I am. He calls everyday at least XXXX a day for months.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an unauthorized credit inquiry on my Equifax from XXXX XXXX XXXX XXXX dated XX/XX/2017 that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Account opening, closing, or management

Complaint: My husband was trying to add me to his checking account and due to chexsystems and an alert for my name due to previous identity theft they were unable to add me to the account but they did n't give me any information what to do so that I can get added to the 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 08/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I went in to Rooms to Go to look at sofas for my home in XX/XX/XXXX ( this was such a minor thing I do n't even remember the date ) and was told by the sales lady that she was checking to see what I would be approved for and what kind of couch I can purchase. Fast forward to today ( XX/XX/XXXX ) and I get an email saying I have a rooms to go credit card with synchrony bank for {$2000.00}. I never bought a couch from rooms to go. The sales lady was very pushy and took a hardline stance that it was important for me to look at what I can afford through the store card. I trusted her and as a result I have a card I never wanted or was aware I applied for and adjustments to my credit.

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 03/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit reports and XXXX  had a listing for a debt collection agency ( XXXX XXXX, XXXX ) for a XXXX account I never had. I disputed it at XXXX and sent XXXX XXXX, XXXX a letter of my dispute. 
Today I received their response, " This debt is valid, attached is verification of the debt '' and a copy of a XXXX bill with my name and an address and state I never lived at. 
In my research this seems to be a common scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck.
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been working on an account that is being reported by XXXX. I requested information directly from them asking for validation of the debt. What I received was a letter stating that the account has been sold and that I would need to contact the other company. How can the bureaus validate this if I an unable to and I am the one that is suppose to be responsible? I have disputed this with the bureaus and still have not gotten any type of answer as to how they can validate something that I ca n't.

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 01-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Reference : XXXX XXXX XXXX Policy # XXXX Last Renewal Date : XXXX/XXXX/XXXX until XXXX/XXXX/XXXX I acquired this institution during XXXX XXXX, for automobile insurance. I never had any issues regarding renewal until calendar year XXXX. XXXX XXXX XXXX canceled my automobile policy for a XXXX XXXX XXXX and XXXX XXXX XXXX. After cancelling the policy I was denied renewal. I contact the company on several occasions. After unsatisfactory consumer service I acquired XXXX XXXX XXXX with the assigned policy number XXXX for a six month policy. XXXX XXXX and XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, IL and XXXX. XXXX cancelled my policy after one month because XXXX provided false and misleading information. In additional XXXX XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, MA and XXXX, which stated I owed them approximately {$200.00}. Also, this debt was sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX ; contact number XXXX XXXX XXXX XXXX contacted me by mail on XXXX/XXXX/XXXX to settle this past due account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AWA is collecting a fraudulant debt. I disputed this with the credit bureaus and AWA responded leaving it on the file and sending me a copy of the " promissory note ''. The signature on the note is a clear forgery. I have attached a copy of this note along with a copy of my signature on a recent agreement. 
They use a small " l '' in my last name..I ALWAYS write my name capitalizing the " L '' in XXXX XXXX. I print it this way and I sign it this way. The " R '' is completely different. I swirl the start of my " R '' You can see where they ran " XXXX '' together..I ALWAYS sign " XXXX XXXX '' I had called this company to see if I would qualify to cosign this note ... but I NEVER went in and signed any promissory note. 

THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In early XXXX, I successfully disputed a {$58.00} collection account from XXXX that I did not owe. The servicing collection agency at the time was XXXX XXXX, XXXX. This collection agency could not validate the debt and removed the account from my XXXX report. 

In XXXX XXXX, I received a phone call from a collection agent from Diversified Consultants on behalf of XXXX claiming that the {$58.00} was still owed. I demanded that they not contact me by phone again and to send a written validation of the debt within 30 days. The agent agreed to do so and said that a representative from XXXX would be contacting me. I never heard from anyone again about this matter. 

Diversified Consultants has now begun reporting the {$58.00} collection on my credit report. I have filed disputes with XXXX, XXXX, and XXXX. I have no knowledge of this debt and will not be paying unless it is fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Myloan care used to be my mortgage servicer. They stopped servicing the loan in XXXX 2015 and I didnt realize that until early XXXX 2015. My payment was made thru online bill pay at XXXX to them, instead of going to the correct, new servicer which is XXXX XXXX. I 've spoken to XXXX care multiple times, sent numerous emails asking that they refund my payment because it rightfully should have been sent and received by XXXX XXXX. They have been non-responsive to emails which they were supposed to respond to within 10 business days. I filed a ticket # with them Ticket # XXXX and sent proof to them back in XXXX showing where my payment had been made to them and they said they 'd research it and give me a refund. It is XXXX and still no refund. The XXXX check was for XXXX. I have also filed a ticket with XXXX and proof of payment made from my checking account is : For XXXX XXXX {$2900.00} Reference # XXXX and old account # XXXX ( mortgage account # with myloancare ).

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