milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report was hit with a charge off report in XX/XX/XXXX regarding a loan I never made with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MT. XXXX XXXX XXXX is a tribal lender of the XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX , XXXX and XXXX XXXX XXXX ) recently were green-lighted for investigation under the CFPB by U.S. Court of Appeal for the XXXX XXXX. The Bureau initiated  an investigation into the Tribal Lending Entities to determine whether small-dollar lenders violated federal consumer financial laws. 
A dispute for this error on my report was filed with TransUnion on XX/XX/XXXX as well as a letter sent to the creditor directly on XX/XX/XXXX by email to XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to my request and requested a police report and affidavit. At that point, I did not have any information to suspect how this information appeared on my credit report. Therefore on XX/XX/XXXX I requested that XXXX XXXX XXXX supply to me a full accounting of the loan allegedly made by me. On XX/XX/XXXX, XXXX XXXX XXXX indicated to me by email that I must supply them with my credit report to which I adamantly opposed giving any information to a lender I did not initiate contact with for any such loan. 

To date, XXXX XXXX has not responded to my request to provide a full accounting this loan is valid.

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2013 XXXX XXXX XXXX XXXX XXXX. Report false information to fair collections in and out. I responded to fair collections in and out, but asking them to validate the debt. In response they sent me a document with a list of charges that XXXX XXXX XXXX XXXX XXXX says that I owe. I called them and explained that this was not a proper validation of debt. They refused to validate the debt properly and placed the information on my credit report for collections. FCO is in violation of Texas property code Sec.XXXX. 
FRAUDULENT, DECEPTIVE, OR MISLEADINGREPRESENTATIONS. 
( XXXX ) failing to maintain a list of all business orprofessional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector. FCO is not listing all the names of there client ( XXXX ) failing to disclose clearly in any communicationwith the debtor the name of the person to whom the debt has been assigned or is owed when making a demand for moneyThis collection is for a apartment complex. In order to properly validate the debt FCO is required by Texas property code to obtain information includes a copy of the lease, itemized charges, diligence to find a new tenant ( if appropriate ), Date and proof of the new tenant moving into the unit. 

XXXX XXXX ) using a written communication that fails toindicate clearly the name of the debt collector and the debtcollector 's street address or post office box and telephone number if the written notice refers to a delinquent consumer debtNo information about XXXX XXXX XXXX XXXX XXXX is listed on the verification of debt letter sent by FCO. 

I do not owe this company money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX submitted documents for a loan modification via email on XX/XX/2015. Ocwen confirmed receipt of documents and stated a review had been opend. on XX/XX/2015 ocwne Stated nothing was needed. On XX/XX/2015 ocwn stated they needed a date of when hardship started. That info was given to them that same day. XXXX was called on a daily basis. Nothing was needed from them and the file was under review. On XX/XX/2015 Ocwn called and stated they would not review the file any further as the sale date was too close. They stated that there was missing info which was the date of hardship and that is why they could n't review the file. That info was given to them same day it was requested. Ocwen is refusing to assist the homeowner per XXXX XXXX and per supervisor XXXX XXXX. Ocwen is discriminating against XXXX XXXX because she is XXXX. Ocwn is discriminating against her based on her race, national origin and sex,. Ocwn needs to treat her file as any other file and properly review the file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Midland Funding has had my account past 7 years. Midland funding also forged an payment of {$10.00} on my account stating that was my last payment. That is not true. The continue to send me letters and it is pass the statue of limitations. I have file disputes with the credit agencies and also notified MCM Midland funding asking for proof of the {$10.00} no response. I also ask for this account to be deleted this account is 9 years old. I just receive a letter stating they are going to continue to report the debt as unpaid. When I called on XXXX/XXXX/16 they lied to me when they purchase the account while I was in the presence of an financial empowerment advisor dispute the collections. The representative at MCM finally admit that the credit was old after being caught in a lie. I receive an veiled threat letter XXXX/XXXX/16 from MCM by XXXX XXXX Division Manager of consumer Support Services at Midland funding by mail about my account by continuing to have my account label as negative remark unpaid for the rest of my life. MCM had my account over 7 years instead of deleting from my credit report. Midland Credit Management continue to leave a permanent scar on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had received a collection letter from Weber & Olcese P.L.C. i did inform them that it was filed this on bankruptcy, but they '' re disputing it because it was on my son bankruptcy discharge, and not mines even thought he was a authorized user as well. so they have been constantly harassing me, to the point that they have filed a law suit against me, stating they they are employee of XXXX XXXX and they have access to all relevant system and document of XXXX XXXX to validate any information that they are authorized by them, and they have personal knowledge of the matter, that stated in the law suit that there was a attached contract, which it was not, they submitted a billing summary and invoices, and invoice is not a bill of sale, nor is it evidence of a sale, it is a mere detail statement of quantity and cost of things invoiced, i told them i was not the responsible party and they continued to harass me about a debt that been clear in bankruptcy ... and even the amount that they are suing for is more then the bill that they attached to the law suit, the bill is for {$1700.00} they are suing for a total of {$1800.00} other charges that was added since the charge off, i would like to knows who trying sue me is it the credit card company, or is it and third party debt collection company, because capital stated that the debt was charge off given to attorney net work, what ever that is, but they are coming after me saying they are the actual company that suing me, and on the law suite it state they they are a debt collection company, please help they are twisting things to there advantage in court, i have submitted all papers to them but they continued to come after me, i have previously filed a complaint but left off some things

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I bank with PNC Bank, they withdrew XXXX XX/XX/XXXX XXXX Overdraft Item Fee XX/XX/XXXX XXXX Overdraft Item Fee XXXX XXXX Overdraft Item Fee which cause my account that was not ( negative ) to become negative. 
I called PNC Bank, I was only able to ask that a manager call me back. When the manager did call me back, he was rude, arrogant and not helpful. 
He could not reasonably explain the charges, and was talking in circle. 
I just want the funds returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ok what the actual complaint is that I had XXXX XXXX score for the last year or so and XXXX XXXX  but recently it has changed to XXXX almost a hundred points I have been making payments iv only added XXXX dollars to a XXXX account but nothing else has changed. And only 3 inquiries in a year 2 of those have been approved this is according to credit karma they have no answer for the almost 100 point drop being that they are connected to my credit score I feel something isnt correct or someone has hacked my credit? If they can get my personal information with my ssn and tell thats the information given then something illegal is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (IN).
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: On XX/XX/XXXX a joint account at XXXX XXXX 30 days Late. Accounts have always been paid on time, however I received NO notice, Never even received statement balances on that account. Upon finding out I paid the XXXX balance off IMMEDIATELY. I called creditor and they said they would close out the card but refused to take it off my credit. Giving me the run around saying I would need to call the bureaus. Upon calling them, an investigation was made, but it was informed it would not be removed. 


Also on XX/XX/XXXX XXXX XXXX, a XXXX company charged me with being 120 Late on a XXXX dollar payment. These statements were paperless, but again i never received any documentation via email that i was late. What occurred was a simple checking account mishap. I had paid out of an old checking account I had on file. Once realized, I paid the XXXX dollar transaction ( because of late and ach penalty fees ) and requested it be removed. They refused and XX/XX/XXXX Sided with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Struggling to pay mortgage

Complaint: We received ourmortgage from XXXX XXXX XXXX in XX/XX/XXXX.We have never fallen behind on my payments until I experienced two major medical issues, one of them is XXXX which I am receiving XXXX treatment for. I have applied 3 times to XXXX XXXX loss mitigation department to get help with my hardship because I do n't want us to lose our home. We are elderly and need help from our lender to get current and start making mortgage payments again. Each time we have been denied for assistance because the investor refuses to grant us a trial modification for no reason other than they would rather foreclose. We received this mortgage from a public lending institution during the period of time from XXXX - XXXX that mortgages were considered predatory and should receive mortgage assistance if experiencing hardship. We meet all criteria and guidelines that the federal government put forward to keep people like us from losing our home. I know HAMP is now expired, but it was n't expired when we first asked for help, and they still refused. Most recently we spoke with XXXX XXXX who told us clearly that the investor, XXXX XXXX XXXX, will not allow SPS to grant us a trial modification. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax negligently allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. Their failure to secure my data has compromised my entire credit history. I have not yet been the victim of identity theft, but I am certainly at a huge risk. I checked their website to see if I was at risk for being impacted, and it said this : " Based on the information provided, we believe that your personal information may have been impacted by this event ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Wells Fargo failed to address my concerns. As a matter of a letter that was just received at the time of this complaint, XX/XX/XXXX, this matter is still pending review until least XX/XX/XXXX. The mortgage company ( Wells Fargo Home Mortgage ) did not provide a breakdown of the amount of real estate payments were included in the funds diverted to their attorney or other unauthorized accounts. Therefore, the bank will be required to provide that information for the records of the consumer. Apparently, those XXXX  individuals living on my property have the impression that they can have me arrested for property that I paid for. This XXXX XXXX   woman is not willing to sit in jail for any XXXX individual or anyone for that fact. 

Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXXpresent and as early as 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 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. 

The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. 

I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. 

Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX   XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX # XXXX {$1000.00} 10.XXXX XXXX  # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14.  XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date 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 06/23/2015 about Mortgage (FHA mortgage) with Selene Finance LP (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was sold to a company called Selene Finance which has been a NIGHTMARE from the start. We have been " in the process '' of a loan re-modification for the past 15 months. Our home is now being foreclosed and Selene says they have never received XXXX document from us. WE HAVE ALL THE RECEIPTS, of over XXXX re-modification process being denied, never stating a reason. I have shown that i have no only savings in the bank but also a steady income. I started to research online and they have an F on XXXX, their reviews are all the same, the want nothing more than to foreclose on your home and make a profit for their investors. XXXX XXXX who runs his own investment firm is also the CEO of Selene Finance. This is mortgage fraud and my family and i are about to lose our home due to the fraudulent actions of this company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions 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 on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. 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 XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (KS).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: A transaction was made on my account by " XXXX XXXX XXXX '' resulting in an overdraft. I contacted American Express and was told that this is an internal issue due to an update and they expect to have it resolved within 72 hours. I asked why a credit could not be issued, as they were aware of the problem, and the only answer I could get is that they were " truly sorry ''. It was mentioned during the call that many card holders were affected. I believe this issue should be looked into by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: I was a victim of fraud. Was leasing a home through XXXX. I sent a deposit of {$100.00} to the person leasing the home but the more I verified the more I realized he was a fake person. Moneygram needs to have better verification and require IDs. I lost {$100.00} to this person who listed a home on XXXX. The address is XXXX XXXX XXXX. XXXX, WA. The man claimed to be named XXXX XXXX. His phone number is XXXX. The man says he lives in XXXX and was renting out his home. But the home is not his from what I can tell.

Company response to consumer: Closed with explanation