milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I wanted to refinance my property and noticed that my identity was stolen and used to open a fraudulent account under my name without my knowledge. I am a victim of identity theft. I filed a police report at XXXX Police Department in California. I contacted with the credit bureaus and sent them Identity Theft Affidavit and Police Report. The credit bureaus removed the fraudulent account, but after a month I 've got a letter from XXXX credit bureau that they re-inserted the following fraudulent account : Wells Fargo Bank - account no : XXXX. I again contacted with XXXX to find out why they re-insert the fraudulent account. XXXX representative tole me I need to contact with Wells Fargo Bank. I asked him to do three way conversation to see what the problem is. XXXX agent contacted with Wells Fargo bank and I explained XXXX of the agent of Well Fargo Bank Fraud Department. She asked us to hold two to three minutes to find out what happen. After 45 minutes, she took the phone ( without any excuses ) and told us she should transfer the phone another representative. So, another representative took the phone and I explained her what happen, she hanged the phone on us. XXXX representative was surprised and I was shocked because nobody could help us. I asked him to remove that fraudulent account but he regret to do it. I asked a supervisor from XXXX credit bureau and he transferred me to XXXX XXXX, the supervisor of XXXX. After two hour, he called me, and again I explained me what happened. He advised me to do three way conversation one more time. After all, XXXX XXXX called to Wells Fargo Bank. This time Wells Fargo Bank representative from fraud department did not let to XXXX to hear our conversation. But I insist to talk on front of XXXX supervisor, but she hanged off the phone on us. I asked XXXX XXXX XXXX to removed Wells Fargo fraudulent account from my credit report, but he did not remove it. He told he will call me one more time next day and try to fix this problem. However, since now I do not receive any phone calls from XXXX. Please help me to resolve this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a charge of account that I disputed on my Experian credit report as being obsolete as it had been 7 years since the DoFD, instead of removing the account they re-aged it, and not I am not able to dispute the account online as Experian 's online dispute keeps saying it can not honor my request. I have contacted Experian about this issue multiple times with no resolution nor any explanation. Previous to this I never had an issue using Experian 's online dispute option. If you can get them to explain why I can no longer utilize their online disputing options, even with a purchased report number from them, the only way their CSR said I could dispute, making me spend more money for it to still not work, that would be great. Also the XXXX account needs to be removed from my credit report as it still states it is a charge off account but now will not be removed until 2023. These CRA 's need to follow the laws put forth by the CFPB for accurate credit reporting as the only one that seems to have an accurate report for me is XXXX. My XXXX report is all screwed up, yet they still will not fix it, even after countless complaints through the CFPB, who I was under the impression, was supposed to advocate for the consumer when these huge companies do n't do anything about the customers complaints.

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 06-04-2015 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from XXXX in XXXX, WI and they sold a false claim to them in the amount owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: I received a notice from XXXX on XX/XX/2017 stating that my loan was being transferred to a new servicer as of XX/XX/2017 and that they would no longer accept any payments after XX/XX/2017. XXXX did provide the new loan servicer name and contact telephone number and ask that I contact Specialized Loan Servicing LLC for c further assistance, I contacted Specialized Loan Servicing LLC I was told that my information had not uploaded into their system and was asked to call back the following Friday and that I would receive a welcome letter within XXXX days after the XX/XX/2017.I called again on XX/XX/2017 was told information has not yet fully uploaded into their system I was told not to worry because no late charges or negative reporting would be reported to the credit bureau during this phase my house payment is due on the first of every month I told this to the representative that I spoke with. I was in the midst of refinancing with another lender prior to my mortgage being transferred and had received a payoff from XXXX XXXX, now the company that I am refinancing are asking for a new payoff from Specialized Loan Servicing LLC who are telling me that they can not pass that information to the mortgage company that I am refinancing with because they do not have the information in their system yet, which is keeping from closing on my loan.

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 09/13/2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX I was a victim of identity theft. I have submitted police reports and affidavit aas required by Equifax. Their is a tax lien that I do n't recognize and accounts from XXXX that I never opened and were referenced in my affidavit that was mailed and received by them. They acknowledged receipt in XX/XX/XXXX of items received and even put a XXXX year security freeze on my report automatically. I checked my report last month and the items are showing again. Per law they have to notify me if they put the items back on which they did not. I disputed the items and referenced my affidavit and police report which thye have XXXX file and they refuse to block them. This is now damaging me credit wise. XXXX and XXXX both researched and blocked the items due to the ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed twice now with Equifax regarding information on their reporting related to XXXX XXXX XXXX XXXX. Twice I sent in the FTC affidavit, police report, the federal guidelines, and my IDs disputing the same XXXX XXXX XXXX information with XXXX as the collecting agency for {$1900.00}. Once in XXXX XXXX and another in XXXX XXXX. Everything required of me by the guidelines on the FTC website, I followed. After filing in XXXX XXXX, they removed the fraudulent information, but then reinserted it. I filed another dispute, and they have not responded. XXXX and XXXX received the exact information, and they have already removed the fraudulent information -- and they informed me of the update. Equifax has never responded. All I got from Equifax was that it was under investigation -- this was back in XXXX of XXXX. To my dismay, I just found out on XXXX website that Equifax has not removed the fraudulent information that I disputed. 

2nd Complaint : I 've attempted to call and it is virtually impossible to get through. 

3rd Complaint : Equifax refuses to grant me access to receive my free credit report online once every 12 months per the Fair Credit Reporting Act ( FCRA ). Whenever I attempt, I keep getting a message that I need to call customer service. They had initially sent me a code to use to access online, and it gives me an error message. When I do call customer service, the hold time is incredibly long or unresponsive -- it 's borderline fantastical. I have attempted on different browsers and different PCs and still get the same error message. I have never had an issue with XXXX or XXXX. 

It 's been two attempts and 10 months since I initially submitted my dispute with Equifax. This is going on too long. Again, XXXX and XXXX received the exact same documentation and removed the fraudulent information. Equifax has not removed the fraudulent information, and Equifax has not even responded to me as to why it has not. The taste left in my mouth, this past year, is that Equifax either wishes me to not be able to check my credit report and/or they have no desire to remove fraudulent information from my file. In researching my complaint with Equifax , I 've come across other individuals who are just as equally dismayed at Equifax regarding everything contained therein this dispute. I notice that past fines and successful lawsuits have been assessed towards Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Good morning, I review my credit information and notice that there is a name reported as mine and it does n't belongs to my person. My full and legal name is XXXX XXXX XXXX. The name that appear is XXXX XXXX XXXX and is an error, maybe someone try to use my information. I will really appreciated any help in the matter. 
Thank you very much for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2017 about Credit card () with U.S. BANCORP (CA).
Issue: Billing statement

Complaint: I tried to use my credit card today, XXXX XXXX XXXX, but it got declined. I called the credit card company US Bank only to find out that my card is delinquent and that I have a balance due since XXXX XXXX. However, I never received the XXXX statement even though I received the XXXX XXXX statement and paid it off in full. If you check my record, I have always and consistently paid off my credit card balance on time and in full. Because I never received the XXXX, XXXX, nor XXXX statement, I have accrued {$110.00} in late fees and interest.

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 monetary relief
Consumer complaint received 12/27/2016 about Debt collection (I do not know) with The Receivable Management Services Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX ( Receivable Management XXXX ) stating that I owe {$140.00} to XXXX. I 've never had insurance through this company and have never NOT paid a bill on time. 

Here is the info from the letter : XXXX Account No:XXXX Member ID XXXX to pay by phone : XXXX to pay by check : XXXX to pay online : XXXX Will you straighten this out for me? Thanks, 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 02/27/2017 about Credit card () with CITIBANK, N.A. (IN).
Issue: Rewards

Complaint: I booked a flight on XXXX. After I put in all my information, a window came up offering me XXXX bonus miles after qualifying purchases. I applied for the card based upon their offer SPECIFICALLY to me. I complied with their qualifying purchases. I did not receive the bonus miles as they have a policy of not rewarding cardholders who opened or closed an account within 24 months. I do not remember reading such a qualification when I applied for the card or I certainly would not have completed the process. IF such a qualification appeared at all, it was not prominently displayed as was their offer. Citi is linked to XXXX as every time I make a purchase with Citi my mileage account at XXXX is credited. They should not make such a bold offer to me after I enter all my contact info if I do not qualify for the offer!

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 08-05-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (PA).
Issue: Credit decision / Underwriting

Complaint: On or about XX/XX/2016, I contacted Navy Federal Credit Union to be prequalified for a VA mortgage. Based on the answers to the questions they asked, I qualified for the loan. After locating a home, I began the process of securing the loan. After all of my documentation was submitted to Navy Federal Credit Union, the loan was on track to close but then was supposedly denied due to non-traditional income because I am a truck driver. I am paid by the mile not hourly. I do not work for myself but receive a XXXX from my company. The Navy Federal Credit Union representative I was working with told me that I was turned down for the VA mortgage but they could switch me to a conventional mortgage. I asked for a letter stating there determination and reason but have not received one. Going conventional meant the interest rate went from 3.375 to 5.5 for a 30 year fixed rate mortgage. Virtually doubling the rate. Needing to close the mortgage because we were already living in the home, based on Navy Federal Credit Union assurances we would close in XX/XX/XXXX then XX/XX/XXXX, after switching to conventional, we finally closed XX/XX/XXXX. I do not feel that I was treated fairly, after consulting with other lenders and that Navy Federal Credit Union should have been able to determine my eligibility for the VA mortgage before having me invest a tremendous amount of time in the process and moving into the home based on their assurances. Sounds like bait and switch to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Williams & Fudge, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I saw that the company placed a collection on my credit report. I called on Monday,   XXXX   XXXX   XXXX     and requested that it be removed from my credit report as it has already been filed under my bankruptcy and they have not done so. I called again today and nothing was handled. This is the company  WIlliam and Fudge Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Medical) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent 3 certified letters requesting validation showing my signature or contractual obligation to them and they ca n't seem to do that so I requested they remove this negative from my credit report and they refuse. This bill shows a date from 2010??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received fraudulent payment demand from First National collection bureau, INC.. sparks, NV. 
Received fraudulent payment demand from FNCB dated XXXX/XXXX/16 for an balance of {$130000.00} indicating that the current creditor is XXXX XXXX XXXX XXXX, NONE Of these companies are on my credit report. or ever were. and I would like to dispute it. 
Ref # XXXX / XXXX XXXX Bank XXXX Account XXXX. Original Account XXXX. I do not have any accounts with any of these companies, and would like this company to cease and desist all collection activity immediately, including mail and phone. I would like written documentation stating that this collection activity has been terminated and verifying that all credit bureaus have been notified, effectively negating/removing any negative reports regarding this fraudulent claim for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Delinquent account

Complaint: Citibank charged me a {$450.00} fee for an annual fee. I sent a note to cancel the account via mail response. I was still contacted about owing the fee in XX/XX/2016. I cancelled the account at that time and was told the fee was removed. The credit card fee offers airport lounge access that I utilized for the initial {$450.00} fee but chose not to utilize again in 2016. I have not used the lounge access again in XX/XX/2016 since XX/XX/XXXX. And then I was told in XX/XX/XXXX that there would be no issue cancelling the charge due to lack of usage and desire not to move forward with the card. However, I was contacted this week numerous times by Citibank to be told that I still owe the full {$450.00} fee even though the card was cancelled only XXXX months after the charge was filed and Citibank originally told me the fee would be waived due to lack of usage and desire to utilize their service.

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 monetary relief
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Executed a lease with XXXX XXXX through email. Arrival date XXXX/XXXX/2013 see apartment for first time and document/record/film many housing violations. 2010 Maryland Code Public Safety Title 12-Building and Material CODES : Other SAFETY Provisions Subtitles 2- Statewide Building and housing Codes Section 12-203-Minimum Livability Code. Apartment did not meet minimum standards by law. Did not take/move into apartment, immediately informed XXXX XXXX. Found replacement housing XXXX/XXXX/2013. XXXX XXXX XXXX continued to charge my credit card for apartment. I disputed charges and XXXX XXXX Wide hired ResidentCollect Inc ( XXXX ) who called and harassed family for payment of {$1200.00} for rent of apt . not taken. The actions and statements of XXXX XXXX XXXX and ResidentCollect Inc destroyed credit and were used/cited as the reason for family member termination from job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are two inquiries on my credit report for XXXX XXXX XXXX . One inquiring is for an airlines/cruise lines credit card and the other inquiry is for a Walmart credit card. I have reached out to SYNCB that I did not authorize these inquiries. They were not able to provide me with any personal information other than my social. I have never applied for a credit line with XXXX, Walmart or XXXX. The date for the Walmart listed inquiry is XX/XX/XXXX and the date for the airlines inquiry is XX/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 08/18/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WY).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicer, Nationstar Mortgage, is attempting to perform a foreclosure sale on my property, by using falsified documents. There are many discrepancies on who actually is the owner/certificate holder of my mortgage. The documents Nationstar has provided, lists XXXX XXXX. Yet, in doing research, XXXX XXXX Associates have verified that there is no connection to my mortgage and their locations. Because my mortgage loan was apparently securitized, the paper work in the apparent transfers were not properly performed. Thank you for your time and attention in this matter. XXXX XXXX

Company response to consumer: Closed with explanation