milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, After reviewing this document : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.

Company response to consumer: Closed
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
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 am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.

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 10-12-2017 about Mortgage (VA mortgage) with LoanCare, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I filed and completed a Deed in Lieu of Foreclosure in XXXX with XXXX. They also issued a XXXX " Cancellation of Debt '' which was recorded on my XXXX IRS Tax Forms. XXXX was negligent in filing the Deed in Lieu of Foreclosure documents with XXXX XXXX Assessor of Property and Tax Accessor 's Office. The Clerk 's offices show that I own the property at : XXXX XXXX XXXX XXXX, TN XXXX free and clear of any lien and that the property is deeded in my name. I believe this to be in error because I ca n't fathom the lienholder willing to give me the property mentioned herein, especially after filing and both parties agreeing to Deed in Lieu of Foreclosure. XXXX or XXXX XXXX XXXX transferred service to LoanCare. I have requested and have proof of my request to communicate in writing, via email. They refuse to do so. They also do not want me recording the phone conversation if I call. My preferred method of communication is email. 

Furthermore, XXXX called me on XXXX XXXX, XXXX, she stated the following in speaking to both my wife and I on speakerphone : 1. In 30-60 days, when everything is finalized, LoanCare will record the " account settled and nothing due '' on my credit history. 

2. In 30-60 days, LoanCare would file the proper Deed in Lieu of Foreclosure documentation with XXXX XXXX Tax Accessors Office and XXXX XXXX Clerk 's Office. As previously stated via email on XXXX XXXX XXXX, those offices ' records show I own the property free and clear of any lien with the property in my name. These issues are to be fixed in the 30-60 day timeframe. 

3. I am to email a copy of the XXXX XXXX Tax Statement to LoanCare for payment.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX security breach. Not only is Transunion making it almost impossible to actually freeze my credit they are instead encouraging me to purchase their identity protection. It is bad enough I am going to have to pay for a credit freeze, but I have to jump though many hoops to do it. Freezing your credit should be basic and free considering you are forced into this system of having credit to pass a background check or purchase a home or car. Thank you for taking the time to read this complaint.

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 06/28/2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Company repeatedly calling my work line. I am a XXXX, and this ties up a patient emergency line so a patient ca n't get through, is causing me to possibly lose my job and livelihood. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I attached the correspondence I had with two car dealers, and XXXX. XXXX approved my loan for some {$12000.00} but when I refused to purchase a vehicle of their choosing, or dealer selection, XXXX of XXXX XXXX had my approval canceled. I argue the credit agencies refuse to post all of my loans, and instead post one negative item on my credit report. I believe this is a violation of The Fair Credit Act, Equal Opportunity in lending, and request you correct their violation of my civil rights. I believe XXXX XXXX XXXX. their internet department specifically XXXX Internet sales attempted to exploit me, and violated my civil right. I am requesting a Full Investigation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Medical debt) with Medical Financial Services, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX HAS LISTED COLLECTIONS {$1000.00}. XXXX PAID XXXX IN XXXX XXXX. I HAVE NEVER RECEIVED ANY INFORMATION REGARDING THIS ACCOUNT. I PULLED XXXX  AND CLAIMS FROM XXXX WEBSITE AND THE XXXX CLAIMS WERE PAID AT 100 % IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may Concern : I am a US Veteran in a active Bankruptcy. In XXXX XXXX, I submitted a request for a payoff from my lender Wells Fargo Home Mortgage. Wells Fargo responded to my request and sent over the payoff for the mortgage. I noticed that it was interest in the amount of {$7000.00} plus. I called and asked why do I have this much interest if I am up to date on my bankruptcy payments and I am still making monthly payment on the mortgage loan? I was informed from a representative that I am past due on my mortgage since XXXX XXXX. I explained I have been paying more than required for my mortgage and need to know if the funds have been applied? The lady told me the funds have been applied and I just need to catch up on my mortgage. I explained I am confused if I am behind on my mortgage payment would n't Wells Fargo file a motion to dismiss? She said no it will just keep accurring late charges. I said that does not make sense. Then I was forward to an escalation department regarding the issue. I asked for a payment history which I was not able to receive as of this date. Senior Vice President sent me a letter regarding they are looking to resolve this issue by XXXX, XXXX. I called to find out what is the status and was advised by XXXX ( employee of Wells Fargo Escalation Team ) that they are looking to see when I started becoming late with the mortgage. I explained to XXXX that my lateness is not the issue but the interest on the payoff. I am confused with what have they done with my monthly payments I have been making in the amount of {$1900.00} per month. The reason for the payoff is to refinance my primary home and get a lower interest rate from 6.375 to 3.875. I want to pay my debts but need to understand why I am going through this dilemma. My Bankruptcy Attorney and he was not able to get an answer. I ended up in this situation of Bankruptcy because they did not complete my modification in a timely manner. I do not want to get to the end of my bankruptcy and still owe a past due balance. Can some explain where is my monthly payment going and why is the interest so high on the payoff. It seems like I am being cheated or robbed.

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 09-04-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OR).
Issue: Loan servicing, payments, escrow account

Complaint: This month US Bank started charging a {$5.00} fee to pay my mortgage monthly payment. Up until XX/XX/2016 this fee had previously not been charged. I have received no disclosures or information as to why this fee is now being charged. Also, this is unfair practices to nickle and dime customers just to make payment on their mortgage.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required Discover to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. Discovers response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the 30-day requirement as prescribed in the following FCRA laws. It appears that Discover received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. Discovers act of deception was still out of compliance because Discover mailed it outside of the 30-day window for the first dispute, and Discover committed fraud in  the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting  agency would be required to complete its action if the consumer had elected to dispute the information under that section. 

* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (I do not know) with American Credit Adjusters (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
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: XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XXXX and 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 06-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was put on a plan many times and the pricing monthly always changed. Then I would call and say I am making my monthly payments but getting a bill asking for late pays. They put me on some kind of stop payment because I had a baby and was not working much but it seems like my loans keep rising. I can never pay them down. Then they took my taxes two years ago because of payments but I was making payments. Talking to these people is difficult and pointless and my credit is ruined. I just wanted reasonable payment options. Also I enrolled in a school called XXXX. I did not end up attending. I went to the orientation and could not do the hours for the school but was still charged all the loans and never took one class.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Case number : XXXX On XXXX/XXXX/16, My request was to have the " account in dispute '' remarks deleted. I was told by Experian that the creditor refused to remove the comments on XXXX/XXXX/16. And since " the creditor pays them and the consumer does n't '' the comments will remain. 
On XXXX/XXXX/16 I requested to receive a copy of the information submitted to XXXX. 
Experian is unable to provide me docuementation stating the specific details of my dispute request. Their system shows the request, but they are unable to provide me a copy of the request they sent to the creditor. I also asked for a copy of their policy that states dispute remarks can only be removed by the creditor ; they will not furnish that documentation either. 
How can I determine as to whether my dispute was submitted appropriately? Fannie Mae requires that such remarks be removed from the credit report. I am supposed to close XXXX/XXXX/16. 
I added a statement to my report to reflect that I am not disputing the acct, the creditor refused to remove the comments and Experian will not remove the comments without the creditor permission. 
How CONVENIENT and UNFORTANATE it is that MY statement can not be seen by the mortgage lender, but I can see it on my report online from the Experian website! 
This is a miscarriage of justice and Experian 's DELIBERATE WILLFUL VIOLATION of my consumer right protected by the FCRA to have or not to have my OWN consumer statement on my credit report! 
See attached letter to Experian.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX Transunion to dispute errors on my credit report some of them are extremely damaging negative information that is falsely reporting as derogatory or negative and was paid as agreed, transferred, and closed, never late and are too old to report anyway. I am showing 46 payments ever late because of it and it should be at least 10 or less maybe 0. There are several erroneous duplicate accounts showing before actual loan date was established as actual loan there was only 1 loan and the loan was paid as agreed transferred and closed is from XXXX and needs to be deleted. The actual consolidated loan from XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX is a {$50.00} a month payment for 10 months showing paid as agreed, transferred and closed as of XXXX XXXX. I am trying to correct payments ever late and length of credit from 12 years to 16 yrs. since the actual span of credit is 16 yrs. not 12. This should be reporting since they have record of my paid as agreed katahdin loan from XXXX but it still reports only 12 due to error. This is negatively affecting my credit score and needs to be adjusted immediately. When calling their customer service I am not able to successfully correct or dispute payments ever late or length of credit. I have also written a mailed dispute form requesting these changes and the removal of the accounts that are fraudulent too old to report are showing negative when paid as agreed and are erroneously duplicated with dates before the actual loan date came into affect. I sent a dispute to transunion at least 5 months ago and have not received a response or any changes to my information.When attempting to call their trueidentity transunion lines I end up with interception, unwanted listeners and am unsuccessful at filing the dispute or making changes over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL 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