milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called Transunion and XXXX because I 've been a victim of fraud. I have several inquiries on my reports, that I did not authorize. They were very rude on he phone. I was told that they could not remove them. Transunion gave me the run around. I 'm trying to keep my credit score from dropping and it seems as if they do n't care.

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 05/21/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: in XX/XX/XXXX i was garnisheed wages for a XXXX dollar credit card, as of XX/XX/XXXX XXXX/and XXXX out of XXXX have taken XXXX dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello CFPB, I am sending you this dispute as attempt to resolve an alleged debt matter with a collection agency by the name of Commonwealth Financial Systems also known as Northeast Credit & Collect. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX I reviewed my credit report and discovered XXXX accounts reporting from Commonwealth Financial System, The accounts are reporting as follows. 
1. Commonwealth Financial, Account Number XXXX, Balance {$450.00} 2. Commonwealth Financial, Account Number XXXX, Balance {$74.00} 3. Commonwealth Financial, Account Number XXXX, Balance {$990.00} On XXXX XXXX, 2015 I sent a request for validation to Commonwealth Financial Systems requesting for validation. XXXX has passed and I have not received any communication from the collection agency regarding my claim since I discovered the collection items on my credit report and did not receive any initial notices from them regarding any debt being owed. On XXXX XXXX, 2015 I sent a XXXX request for validation via registered mail to Commonwealth Financial Systems which was delivered on XXXX/XXXX/2015 at XXXX XXXX tracking number provided by USPS is XXXX. According to the Fair Debt Collection Practice Act 809 ( b ) the collection agency must provide validation of the debt that they are claiming to be owed. Not only has Commonwealth Financial Systems Failed to notify me of the debt owed. My request for validation has been ignored and they continue to collect on the debt before providing validation by continuing to report this debt to the credit bureaus [ 15 USC 1692g ] 809 ( a ). 
Commonwealth Financial Systems had sufficient amount of time to provide me the validation request. I am requesting that all three of the above accounts be removed from my credit reports with XXXX, XXXX and XXXX XXXX, Failure to remove the accounts I will consult with my attorney for who specializes in suing debt collectors for FDCPA violations. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 personally mailed this letter to Equifax asking for proof of credit inquiries from XXXX, and XXXX and asked specifically for proof of these being accurate and they responded with a form letter in which they did not present any of the information requested. Their " investigation '' that inquiries are a statement of fact have no valid because they never showed proof of them. I have included a copy of the letter mailed to them as well as their response.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: im unaware of what the XXXX derogatory creditor ison my cbr-i disputed it and nothing has been removed or investigated acct sold to worthless debt buyers that put it on my credit bureau report-transunion and the rest. i have only credit cards mastercards and i only use avout 3 percent of my limit and pay in full each month. this derog item caused my credit score to deop from XXXX plus to XXXX i want it investigated and removed. i have never heard of this collection debt buyer company before.please help me-they show XXXX balance on cbr under derog-this is my only item that is bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An account has reappeared on my credit file after being previously deleted. It has caused my credit score to drop dramatically.

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 09-07-2017 about Debt collection (Other debt) with Focus Holding Company (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Closed XXXX account in XXXX 2016 after paying them for over two years on time and with no late payments. Received verbal and written confirmation that the account was paid in full and closed. Received final statement with XXXX amount due shown as XXXX. Two months later, XXXX sent me a bill with fraudulent charges claiming I had n't paid ; even after the account was closed with a XXXX balance. I called their customer service to dispute and received a very unprofessional response stating that they would not remove the charges and threatening collections. XXXX sent the charges to a debt collector which are now impacting my credit and financing costs. This is clearly consumer abuse, lack of business responsibility and lack of respect for consumers. The current system we have in this country is very slow to react to improper credit report abuse via credit reporting agencies that sleep on unprofessional credit reporting by companies like XXXX and debt collectors like Focus Receivables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received damage to my property. My insurance company issued a claim check for the damage, addressed to me and my mortgage company ( Ocwen ). I contacted Ocwen and followed precisely the instructions they provided to get the check endorsed and returned to me. I also included a written letter including address, loan number, and the desire for expedited service, along with a {$15.00} personal check for expedited return service. I never received the check back. My personal check was cashed, but when I called customer service about it, they said I did not send a personal check and that they endorsed and mailed the check via USPS. That was more than a month ago. I emailed them and faxed a copy of the cashed check. They continue to claim that I did not pay for expedited service and that the USPS lost my check.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or around XXXX XXXX i thought the illegal deceptive website XXXX listed itself under a paradim, deceptive fraud pitch that its free or Only {$1.00} for a free report, but after the data was taken, from Me ( idtheftvictim ) _then i was rushed with a ( " you_owe_bill ) XXXX $ but i didnt order, knowingly consent, agree, ,to the Charges or the setup basically, it was XXXX, purported, transunion was the free creditscore/report, then came a last min quick bill, with auto sales fake dealers whom had to give, share, sell my data, social to all or, and each other illegally now, after calling. speaking to XXXX. XXXX then to XXXX badge number # XXXX he solicitated nonstop for my social security number full address, idcredit card number, etc, as first Operator basically after solicitating for all sensitive sacred data, he said '' until u give To confirm the order info ( they falsified order numbers ( XXXX ) of XXXX dollar but that 's Not what they took from my XXXX card {$36.00} &, change overage fees, this company took advantage of me too as XXXX on computer in goodfaith, trying to get credit score.only foreignor. Hispsnics answering.very mean abusive. XXXX California. Lets shut emdown

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Online application was approved and account was opened then before getting the debit card for the account in the mail the bank closed my account. The bank states that since my opening deposit did n't go through they closed my account. They had the option of opening the account without the deposit so I beg to differ for that being the reason. My account was closed onXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Experian  Is reporting a child support case that is almost twelve years old violated my rights under the FCRA ,I’ve disputed this issue on several a cations and I’ve sent certified letters Case was open in XX/XX/XXXX,  certified letter datesXX/XX/XXXX , XX/XX/XXXXAccount: XXXXAmount: XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I paid a merchant for an item I never received. The online merchant was XXXX / XXXX aka XXXX. I had to dispute this transaction with the company that handles the XXXX gift card, Blackhawk Networks. I have faxed them twice and called them 3-4 times and they have not yet assisted me. It has been 90 days since their letter and they have not yet resolved my dispute and can not even tell me if they received the documentation that I sent to them. All of this info will be included in the attachment that I am uploading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America had an event for Home owners in trouble with their Mortgage.I drove XXXX hrs to attend the event.My wife went from unemployment to part time to full time on her job.I am an Veteran on XXXX XXXX. The first agent we had was XXXX XXXX we explain to him we wanted to apply to the unemployment fund.We kept sending the paper work that she was receiving benefits.The Bank said we was not sending the right paper work, That was the only paper work we had.We went to my wife` retirement plan to with draw XXXX payments to catch up on the mortgage payments. Now instead of helping us we went back into the Bank` pool. case closed.We receive a {$5000.00} XXXX Bill from water and power.I went to the event where we receive XXXX XXXX for our agent we sent in all paper work that was asked for.The help we receive was visits from people from the Bank looking at our home.Our neighbor making sure we receive the letter from from Bank of America than calling someone.Someone in this neighbor works with Bank of America and is watching our Mortgage payments.We have reach out to home save California where they found a Tax Lien now payments are being made for XXXX a month. that we are making so we are waiting for them to help us.What I don`t understand is why the only help XXXX XXXX says we can receive is a Short Sale on our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is regarding the Equifax breach. 

My information has been compromised by a consumer credit reporting agency. I did not authorize this agency to collect or release my information in any way. 

As part of disaster mitigation, I am attempting to lock my credit at all agencies. These agencies, including the one that was breached ( Equifax ) are all charging for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Other mortgage) with Capstone Funding Group, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX refinanced XXXX trust through XXXX loans ( fixed rate Balloon ) - went to XXXX XXXX XXXX XXXX modified to 4 %, 30 year term, XXXX XXXX XXXX wroteoff/charge off over the years transferred to many debt collectors Capstone Funding Group XXXX XXXX XXXX XXXX XXXX is suing in court Foreclosure on the second, the home is under water to a XXXX paid on time Nationstar XXXX 
Capstone is suing on the original note from XXXX a 6.75 interest rate loan Spoke with XXXX XXXX and asked her to provide to me proof that they have the XXXX modification & what int. rate are they using? She said she has to ask manager to get into the vault for the paperwork. I told her I am concerned about Fraud. 
XXXX XXXX never cld back, I called her and she said she does n't have the paperwork. 
XXXX XXXX then filed the final loss mit. to court saying she did not do a mitigation, but because I did not give her the XXXX modified loan agreement. I have emailed this to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said she can talk to me about a modification, she would call me back - never did XXXX called cell # of XXXX XXXX - she told me she no longer works for Capstone, she will try to get ahold of XXXX XXXX, the foreclosure is on hold, they got the XXXX docs that I sent XXXX/XXXX/XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX. ( XXXX ) called after 3 times got ahold of a XXXX, she took his info she stated she needed to contact XXXX XXXX who is working on our file ( KB told me the day before she was no longer working for capstone ) The phone num capstone provided on their contact sheet is temporarily disconnected since XXXX, the other number goes to a recording, you can not talk to anyone, the voice mail says ca n't accept messages, this has been happening for the last two weeks - we have a mediation date on XXXX/XXXX/XXXX Please help I do n't believe they own this loan, the XXXX MERS assignment shows XXXX XXXX as working for XXXX XXXX, as a VP, but when you XXXX her she is an assistant at XXXX XXXX XXXX in XXXX, that is who the recording was requested by.

Company response to consumer: Untimely response
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court  in  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitte d in Open Court th ey were only responding to a dispute letter. They had sent me no default letter, notic e of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.

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 02-02-2018 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: So yesterday I had a collection account placed on my credit report. It shows no original dates only the supposed creditor. When you XXXX them XXXX XXXX, you see nothing but scam alerts. So the collection company is MIDWEST RECOVERY SYSTEMS. 
I called XXXX/MIDWEST RECOVERY SYSTEMS when you call its a prerecorded message saying it is XXXX XXXX . Then your transferred to a supposedly XXXX XXXX. He started off the conversation asking for my Social Security number, I would not provide such information over the phone, stated I would be arrested if I did not and also pay this collection account today. Also is refused to send me any documentation to verify the account. Said they could email. I plainly told him that is not an actual legal way to verify the debt. I told him this has to be a scam, he said they will dispatch a police officer to my location today if I did not pay. Very mean individual/very foul language. Said the call was being recorded. I highly doubt that because that would not be legal to say on a supposed collection call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: My loan is currently being serviced by XXXX XXXX. A lender and/or servicer CAN NOT collect on a debt that is TRANSFERRED DURING the DEFAULT of the LOAN. My violations as a Homeowner have been violated. I already accepted I can not remain in my home and since short selling my home was one of the options given to me to " avoid foreclosure '' I began the process. It has been a challenge with XXXX XXXX counter offering during the process causing the interested party to walk away from the transaction. The truth is that a short sale process is just as long, hectic and stressful as a modification and the servicer is well aware of that which is why the servicer should not delay on providing responses and/or an approval. I am currently facing foreclosure and only need 10 days to allow the transaction to close but XXXX XXXX, the servicer of my loan, is refusing to provide a postponement of the 10 days needed. I am asking to exercise my right as a homeowner to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I JUST RECENTLY SUBMITTED A DISPUTE TO EXPERIAN AND EXPERIAN TELL RESPONSE TO CFPB IS THAT THEY NEED A COPY OF SS CARD DRIVER LICENSE AND A COPY OF UTILITY BILL I HAVE SENT THIS TO EXPERIAN TWICE CERTIFIED AS WELL AS NOTARIZED HOW MANY MORE TIMES ARE THEY GOING TO KEEP GIVING THIS EXCUSE CERTIFIED MAIL SENT TO EXPERIAN HAD TO BE SIGNED SO THEY RECEIVED A COPY OF MY DOCUMENTS

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 09/24/2016 about Debt collection (I do not know) with Penn Credit Corporation (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple phone calls per day from Penn Credit regarding ex husband who has not lived here for more than a decade. Refuses to leave a message on the answering machine. Has been told previously ( on several occasions ) that this person does not live here and we do not have a way of contacting him and we have no responsibility for his debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (I do not know) with United Credit and Collections Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am trying to get united credit and collection to validate this account belongs to me. I have no contract with this creditor and have not recieved paper work validating this is my accounts. I have no knowledge of this inaccurate account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent written letter to equifax regarding unauthorized inquiries be investigated. However, I have not received a reply into the investigation.

Company response to consumer: Closed with explanation