milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with BC SERVICES, INC. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a letter about a debt that I have no connection to.

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 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Received unsolicited mail from Amex offering XXXX   signing bonus and other benefits. I applied under my name and not my husband and did not know I would not be honored the email offer. My card was approved and I have proof of their offer via mail. Amex does n't want to honor the XXXX to our account -my husband is on the card account with his own card. I still have not received, signed, activated or used the card and have notified Amex several times by phone, chat that I want them to honor the signing offer. Also have told them I wanted to be approved for the XXXX as I dont have an account per terms and conditions. They refuse to tell me how to file a claim, document my conversations in writing and/or honor the difference in points they offered us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report includes my parents information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with CIT BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The enclosed Assignment of Mortgage that was recorded and filed on XXXX XXXX, 2010, with the City Register of the XXXX to claim legal ownership was robo signed. Robo-signning has been outlawed in the State of New York. The Assignment of Mortgage was robo-signed by know and admitted robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
I 'm enclosing supporting evidence of fraud showing XXXX XXXX, XXXX XXXX and XXXX XXXX roles as known robo-signers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We owned a property in XXXX Florida. 
We have had problems dealing with the Mortgage Company ( in-consistent, transferred servicing/ change of attorneys etc ) and their non-conformance to a US Bankruptcy Court XXXX XXXX XXXX Court Order, Confirming our Chapter XXXX Plan, in which all parties agreed to " surrender of Property, in XXXX XXXX. 
My attorney was involved and also unsuccessful. 
Unfortunately the Mortgage company proceeded with Foreclosure rather than " Deed in lieu of ''. 
Keys were sent to a representative/agent of the Mortgage company in XXXX. 
We received in XXXX, a Florida Court document " Stipulation to consent to entry of Final Judgement ''. Clause advised that with signing the document we would receive {$1000.00} ( ( which we did in XXXX ) and another payment of {$2000.00} within 10 days of the sale. 
We have received a copy of the Certificate of Sale for auction on XXXX XXXX, XXXX. We complied with all the requirements and have still not received our {$2000.00}. 
In addition because of the delay and non compliance to the XXXX Bankruptcy Plan, we have lost rental income of {$7500.00} per year for XXXX, XXXX & XXXX. 
We welcome your help to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Shopping for a loan or lease

Complaint: I 'm a long time Chase bank customer with an excellent credit score ( XXXX fico ) and income ( XXXX/annual ) and I submitted a used auto loan application for XXXX over the phone based upon their advertised used auto loan rate of 2.06 %. This rate had the following assumptions posted : loan to value of 95 % for used vehicle, excellent credit history, and loan amount of XXXX. After submitting my application, I received a quoted rate of 4.79 %. I requested to speak to the underwriter who told me that the high rate was due to the loan to value for the auto loan. I asked them to update the loan amount to reflect the 95 % loan to value for my requested vehicle ( XXXX ). She updated the application and came back with a quoted rate of 2.79 %. I asked her why my rate was still not the advertised 2.06 % and she said because I my loan was n't using the specific model/year in the assumptions. I believe this is a clear instance of bait and switch tactics as there 's probably such a minuscule probability that an applicant have the exact vehicle model/year, credit score, and Chase checking account to qualify for the advertised rate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: As of XXXX XXXX, XXXX, Ocwen again changed the reporting of my account. They now report that I missed a payment and paid a balance less than the full amount. My credit score dropped considerably. I 'm filing another complaint with the XXXX XXXX XXXX XXXX. I also emailed XXXX XXXX with Ocwen Obudsman. 

There were never any missed payments. This must be corrected. 


Closed No Missed Payments {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN SERVICING Account Type Second Mortgage Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$24000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Account paid for less than full balance Paid charge off

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IL).
Issue: Managing the loan or lease

Complaint: There is n't a topic above that addresses my complaint. 
I have an installment loan from Big Picture Loans. 
They are owned by an XXXX XXXX in Michigan. 
I took out a loan for {$1000.00}. They take {$250.00} out of your b bank every other week. And none of it is applied to interest! 
They 'd make the XXXX blush. 
Do yourself a favor and stay far away from these slimy crooks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXX, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I just submitted my complaint yesterday, case # XXXX. 
I went to the post office after dinner, there is a foreclosure notice from a law firm in NJ. I will try to attach it amd send it tonight. So I look to see when it was mailed, and there is no date on the letter. It is undated. Furthermore, we are told to respond within 20 days of the receipt of the letter. And it is undated? This getting worse by the hour. It is just a XXXX page letter. No date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with DISCOVER BANK (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2016 I became aware that I may be a victim of identity theft. Upon my having my credit pulled here locally, I was turned down and immediately called the XXXX credit bureaus. Apparently, a Discover credit card amongst several other accounts with multiple vendors, was opened under someone using a different name ( s ) while using my social security number and date of birth. I also came to find out that this account was opened in XXXX, Texas to which I have never lived nor ever frequented. I have consistently lived in the XXXX XXXX area for XXXX consecutive years now. I have since disputed this account with XXXX, XXXX and XXXX and felt it prudent to also contact Discover using this venue. I have never had an account with this bank in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (WA).
Issue: Lost or stolen money order

Complaint: Back on XXXX XXXX, XXXX, I purchased a money order for XXXX and cents at a store XXXX XXXX in XXXX XXXX WA XXXX When I paid in full cash, they gave me two money order. One was for {$500.00} even and a second for XXXXwith cents. I immediately, noticed that the money order for {$500.00} paper felt different ( thinner ) than the other with the amount of 290.with cents. I did n't say anything to them and left the store. like about two weeks later, my land lord where I live sent me a notification stating that the money order for {$500.00} according to his bank ( XXXX ) did not go through. My first reaction was to go back to the store but the cashier said that they could n't do anything about it and to contact the Western Union customer services. So I did, and Western Union representative suggested me to complete the receipt of the lost money order and that it was going to take up to 30 days to get a response. About 3 weeks later, Western Union sent me a letter with two copys of same money order 's tracking number stating, that the money order was attempted to cash two times. First money order copy that Western Union sent me back was not endorsed and was cashed on XXXX/XXXX/XXXX and paid to an unknown receiver. The second one, was completed by me endorsed to XXXX XXXX XXXX XXXX which was my landlord and was returned on XXXX/XXXX/XXXX. In the letter, there was no information whatsoever of the name of the person or company who cashed the money order. So I called back again to Western Union without any responses from their end to help me identify the person who cashed my money order instead, they would keep on saying " a letter has been sent to you back on XXXX explaining you what happened to your money order. '' Or " you have to check with your landlord and his bank ( XXXX ) and have then call us '' which I did. But they ( XXXX ) also said that they never cashed the money order. With the help of a low income legal law services, my situation was escalated to a case. The person who was helping me was able to identify that the money order that was paid was actually deposited through a phone app. Last thing I heard from this office was that my money order was probably deposited in a XXXX in XXXX. Since then, No one has helped me to identify who cashed my money order. Like never in my life I have felt so hopeless in a situation like this. I have copys of money order and the letter that Western Union sent me upon requested.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple hard inquiries on my Transunion credit report that I did not authorize. Hard inquiries from the following companies and dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. I have contacted Transunion on several occassions for assistance with the removal of these inquiries, last of those attempts being today. I have also contacted the companies reporting these inquiries and have been told they have no record or to contact Transunion because they are reporting. Today I spoke with XXXX XXXX and was told " Transunion only maintains credit report hard inquiries and are a statement of FACT. The creditors have accessed my file ststing they have permissable purpose to do so ''. How is this factual when I the consumer state I DID NOT AUTHORIZE THEM. My back is to the wall at this point, I am only one person and can not seem to get assistance. I have contacted Transunion XXXX XXXX, XXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion did not address my situation. None of the accounts have been verified nor validated. I have reached out to all of the creditors for them to send me a copy of the credit application with my signature on it stating that I applied for these cards and they could not produce the paperwork. In XX/XX/2011 i was a victim of identity theft due to loosing my personal information some time ago. I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( XXXX cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,

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 02-12-2016 about Consumer Loan (Vehicle loan) with Michael Wayne Investment (NC).
Issue: Problems when you are unable to pay

Complaint: XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was transfers to BSI for XXXX XXXX. I have made several calls and even submitted a registered letter requesting that my mortgage loan be review for accuracy. I also requested payment arrangements. This started in XXXX 2016. When I called I was usually transferred to XXXX XXXX - the loss mitigation officer for my mortgage. I left several messages and sent several emails. No response. When I was finally able to get XXXX XXXX on the phone, he was less than helpful, as a matter of fact he hung up the phone on me. I requested to speak with his supervisor - he told me " no '' several times. When I advised that the payment arrangement that he suggested would still make it difficult to meet my XXXX XXXX payment on time, he did not seem to have anything " helpful '' to offer. He advised me " that it was not his job ''. 
After XXXX XXXX hung up the phone on me, I called back and found out the name of the supervisor, XXXX XXXX. I was advised that she would call me back after she finished her call. I am still waiting for that call. 
I sent an email to XXXX XXXX that included the previous communications to BSI and XXXX XXXX. I also forwarded the written communication to their customer care and XXXX XXXX, Executive Vice President, Chief Servicing Officer. I am awaiting a response. 
I am at risk of loosing my home. Immediat

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting a number of outdated and erroneous accounts on my credit file. I notified them of the errors and they completely ignored my request to verify the timeliness of specific accounts which, had Equifax actually conducted an investigation and done their due diligence, they would know that these accounts are being reported in violation section 611 of the FCRA. 

First of all, there is a XXXX XXXX XXXX account which not only is missing information : Scheduled payment amount -- blank, Date of last activity -- blank, XXXX months in 2015 " no data available '' -- I believe it was in one of these months that I paid the balance off on this, I do n't have the records anymore because it 's over a year ago and I do n't hold on bank statements and receipts once I 've filed my taxes for that year, I get rid of it ), and has confusing information : Date of XXXX delinquency : XXXX, Date of Delinquency XXXX reported : XXXX -- what took them so long to report?. And most damaging to my credit score is what information they are reporting is DEMONSTRABLY and BLATANLTY FALSE. It says my credit limit was ZERO for this card. Really? Zero? Then how did I rack up a bill of almost {$9000.00}. If you 're saying that my credit limit was zero, then essentially, you 're saying that the entire balance of that card was accrued without my understanding and knowledge, because according to you, I had a credit line of ZERO on this card, and therefore did n't expect it ever to reach a balance of {$8000.00}. 

This account 's information is far to corrupted to be considered reliable by any reasonable standard and I demand that Equifax remove this account from my credit file immediately, or I shall pursue further action in addition to filing this complaint. Thank you.

Company response to consumer: Closed with explanation