milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The company XXXX XXXX has filed a lawsuit against me, after that the original creditor GE capital has investigated this identity theft and dismissed all debt, The collection company was contacted by GE capital and informed to cease-and-desist, The bad debt was bought back from XXXX by GE capital, yet XXXX is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to XXXX attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with GE capital the original creditor and they are going to resend all their letters to XXXX. Not only am I being sued for debt that I do not own and that debt that XXXX does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with GE capital 's account numbers and XXXX account numbers on the same letterhead from XXXX XXXX I have also brought this to light and that this was dismissed By letter from GE capitol. Please any help with this would be appreciated.

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 08/22/2017 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid in full 2 medical debts for First Federal Credit Control in XXXX of 2016. Proof of payment is available. I was assured the debt would be closed and removed from my credit bureau. The accounts were not closed, and after contacting the debt collector they stated they were having communication issues with XXXX. I have attempted to call numerous times to resolve this with no help. I now have two more debts with this company that I was unaware of, one for {$38.00} and one for {$120.00}. Which I want to pay but I will not pay another debt with them until they resolve the first issue which is still impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 02-05-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: My job was eliminated on XX/XX/XXXX 1. Wells Fargo ( XXXX ) placed me on Forbearance program for 1 year 2. I regained employment in XX/XX/XXXX and requested a Modification 3. The first Modification returned with a first payment of {$25000.00} which I could not make. 4.The next Modification came back with a first payment of {$50000.00} and the 3rd {$65000.00} 5. XX/XX/XXXX I filed a Chapter XXXX paying the court monthly payments towards the arears. 
5. My position was eliminated again XX/XX/XXXX and I regain Part time employment in XX/XX/XXXX. No mortgage paid since XX/XX/XXXX 6. Consumer Link worked with Wells Fargo until they received a call in XXXX stating they were no longer going to negotiate with them because my home now had equity ( they were paid monthly for a total of {$2800.00} and I received {$970.00} back when XXXX refused to continue to negotiate. 
7. Several more bankruptcies were filed to keep my home out of foreclosure 8. XX/XX/XXXX, I signed a retainer with XXXX XXXX XXXX from XXXX XXXX, California ( retainer {$2500.00} ), total {$5300.00}. They have done nothing except collect documents from me and tell me I need more income. I have had two brief telephone conversations and no updates. 

My home was scheduled for Auction on XX/XX/XXXX at XXXX XXXX, I filed a chapter XXXX Bankruptcy at XXXX XXXX and notified their attorney 's office to stop the auction, and my home was sold in spite of the Bankruptcy. I was not notified by Wells Fargo that the Auction was not postponed I discovered that information several days later when I called XXXX to discuss options going forward since XXXX XXXX XXXX was doing nothing except waiting for me to get a job. I do have some income from XXXX and two retirements ; however, I do need to get at least a Part- time job. Unfortunately, even though I have two masters Degrees, I am XXXX years old, and it has been very difficult to find employment. 
I have spoken with WFHM Corporate and requested a written response explaining why the Bankruptcy was ignored and why I was not notified that my home was sold after I filed the

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 06-05-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX has caused me and my Family, Financial Distress and harm, XXXX, irreparable harm ( Loss of home is irreparable harm ( XXXX XXXX XXXX.v XXXX XXXX . XXXX. & XXXX XXXX XXXX XXXX ( XXXX Cir.XX/XX/XXXX : Civ Code 3387 ) by the following actions of Fraud, Deceit, Misrepresentation1 ) Unlawfully Foreclosed while transferring Loan to another servicer ( Dual Tracking violating CC2923.6 ) 2 ) I was denied a single point of contact violating CC2923.73 ) False Documentation Violating CC2924.174 ) Violating standing Requirements CC2924 ( a ) ( 6 ) 5 ) Violating FHA Loss Mitigation Rules ( 24CFR 203.500-681 ) Face to Face Meeting requirement6 ) Improper substitution of trustee ( XXXX v XXXX XXXX Cal.APP XXXX XXXX ( XX/XX/XXXX ) 7 ) ROBOSIGNING Violating CC2924.17 ( XXXX v. XXXX XXXX XXXX XXXX XXXX8 ) Backdating and Invalid assignments CC2924 ( a ) ( 6 ) 9 ) Falsely Stating XXXX was Lender, Investor, Beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (NV).
Issue: Can't stop withdrawals from your bank account

Complaint: A few weeks ago I talked to rapid cash/speedy cash to let them know that I had XXXX recently and wanted to cut off my automatic draft so that I could stop payments from coming out my bank account automatically. They agreed, and took it off. Just to be safe I called my bank and ordered a stop payment on my account as wel which I received in the mail confirming it. I went into rapid cash and said that I have to pay for my rent and a few other things after the XXXX and was a little behind and that I wanted to try set up payments for a smaller amount until I could afford my regular amount. They said I would have to contact customer service to pay a smaller amount but that the automatic drafts is off. A few days ago I called customer service and I told them that I could not afford my regular payments at the moment and that I wanted to see if I could pay something smaller. They agreed that I would only have to pay {$50.00} every 2 weeks or less until I was able to pay more. They said I could even pay {$25.00} each account. They said that I could either call in on Friday and make the payment with my bank card or I could go into the store. I opted to go into the store to make my payment on the due date. They said they could not stop the Collections calls since I 'm not paying the minimum amount but they could limit it to every 3-4 days. Today XXXX XXXX before I went to go make my payment agreed upon I checked my bank account and I noticed they withdrew {$300.00} something out of my account even though they said my automatic drafts were turned off and my bank stopped the automatic drafts. When I called my actually bank they said that the original time rapid cash tried to draft it it did not go through. So they changed their numbers around to try to draft the Money out of my account until it worked. My bank thankfully stoppped it after it started processing.. When I called rapid cash/speedy cash customer service department they said I never stopped the automatic draft because I would have to call 3 separate departments to do it, which they never told me up front. They said it was off. Also, my bank did a stop payment on drafts from them and they still changed there numbers around to draft it. I want to make payments in smaller increments and pay it off but I do not know what to believe anymore, because they are doing something different then what we agreed upon. Even though I am setting up arrangments with them to pay over the phone they are still charging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Filed a dispute with Experian, about an item on my credit. From XXXX, result on my credit report indicated that it was in chapter XXXX bankruptcy.That is in correct never filed bankruptcy. This item should be removed from my credit all together medicredit did not inform me of missed payment in XX/XX/XXXX, however they took payment in XX/XX/XXXX and never reported me until I called to make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I received an alert on my credit report from Transunion showing an " unauthorized inquiry '' from XXXX XXXX XXXX. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted Transunion, XXXX and XXXX   but Transunion was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to Transunion which included a 5 page  notarized affadavit and a letter to Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX the XXXX XXXX office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with XXXX XXXX XXXX I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND XXXX   XXXX  XXXX CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT XXXX  XXXX XXXX HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 XXXX XXXX XXXX MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.

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 04/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I,  XXXX   XXXX  am the property located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA,  XXXX .   NATIONSTAR MORTGAGE, WHO CLAIMS TO BE MY SERVICER OF A LOAN HELD BY   XXXX   XXXX   XXXX    XXXX   XXXX  as Trustee for  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  have refused to respond to my Qualified Written Request asking them to provide me with proof of the " person entitled to enforce, ''  (   XXXX   )  or that it was someone who held some ownership or other interest in the Note.  See In   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX ,  XXXX  (   XXXX   XXXX   XXXX .  XXXX  ). They have repeatedly refused to set forth any documentation demonstrating that they are the holder of a secured loan on my property or the loan that allegedly secured by my property ; yet, they continue to attempt foreclosure without compliance.   I have served several Qualified Written Request upon these entities specifically requesting detailed transaction and full disclosure of the  XXXX .   On  XXXX   XXXX ,  XXXX  there was a full reconveyence recorded on the title of my property. Yet, Nationstar Mortgage continues to pursue a foreclosure sale outside of the law governing foreclosure and statute of fraud.   A genuine mistake, error or fraud was committed. The alleged Foreclosure  Sale is  based upon fraudulent and forged documents that can be proven. There has never been any assignment of deed of trust or properly recorded substitution of trustee, who is attempting to conduct foreclosure sale.   The gravamen of this case is the invalidity of the notice trustee sale by alleged trustee that was not properly substituted and the alleged servicer never acquired assignment of the deed of trust in order to foreclose. All documents used by the alleged parties foreclosing are forged, falsified and can not be confirmed.  ( See a ttached Qualified Written Request and Agreement Letter from Congressman  XXXX   XXXX ,   XXXX   XXXX   California and Recorded Full Reconveyance attached hereto ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I completed medical school in XX/XX/XXXX and consolidated all my outstanding XXXX student loans at that time with an interest rate of XXXX %. Over the last XXXX years, my rate has dropped to XXXX % due to discounts I have received for on-time repayment history ( 1 % discount ) and enrolling in autopay ( 0.25 % discount ). In XX/XX/XXXX my XXXX XXXX was transferred from XXXX to Navient. I received a letter from Navient on XXXX/XXXX/XXXX informing me that my monthly re-payment amount would increase from {$480.00} per month to {$490.00} per month. It was my understanding that loan repayment terms should not change when the loan is transferred to a new XXXX XXXX XXXX XXXX to Navient XXXX. I called Navient to inquire, and they confirmed that my interest rate has not changed. It is still XXXX % however I continue to receive the 1 % on-time payment discount and XXXX % autopay discount, making it effectively XXXX % as before. They explained that they recalculated the loan using the higher interest rate of XXXX % and that if I continued to make the higher payment, the extra {$10.00} per month difference would go towards paying down the principal every month, and that I would actually be paying the loan off faster and enjoy lower interest payments going forward. This has not occurred. On my XX/XX/XXXX Navient statement ( prior to the increase in monthly payments ; total payment was {$480.00} ), I paid {$340.00} in principal and {$140.00} in interest. XXXX months later, on my XX/XX/XXXX Navient statement ( after the increase in monthly payments ; total payment being {$490.00} ) I paid {$350.00} in principal and {$140.00} in interest. Therefore I am paying only ~ {$5.00} more in monthly principal payments, and actually continuing to pay more per month in interest as well. I believe that I have been overcharged on my loan since Navient increased my monthly payments on XX/XX/XXXX. The additional payment has not been going towards principal payments and they are charging me a higher interest rate than when they took over my loan from XXXX who was my previous XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: American Express has decreased my credit limit without proper notice. The name/type of credit card has also been changed without notification. ( from XXXX to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (AP).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: REFERENCE : XXXX XXXXWhen I was deployed XXXX, my social security number was used by another to obtain a credit card. The card was opened " in-store '' and not online XXXX. I was in XXXX. It was impossible for me to open the credit card, there is no XXXX XXXX store XXXX. 
I have explained this to XXXX XXXX because they operate the XXXX XXXX card. I have given XXXX XXXX XXXX ( XXXX ) a copy of the police report. They refuse to take the credit card out of my name and insists on assigning this debt to me. 
Whenever I get this matter resolved with the credit reporting agency, XXXX changes the account number and reassigns the account to me under a different number. However, since I have NEVER NEVER applied for a XXXX -- they have no authorization to associate my identity with their business. They need to close this account and quit reporting the account as belonging to me. 
Attached are : my orders showing my deployment XXXX, a copy of the police report, and an Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2016 about Mortgage (FHA mortgage) with EMBRACE HOME LOANS (LA).
Issue: Loan servicing, payments, escrow account

Complaint: This is the XXXX complaint I am submitting against Embrace Home Loans. The XXXX complaint was Case Number : XXXX. I have not received my corrected XXXX on my Mortgage Interest from XX/XX/XXXX through XX/XX/XXXX and no monthly loan statements. The response from XXXX XXXX XXXX XXXX on behalf of Embrace Home Loans was worse than XXXX XXXX in that they have me with a XXXX mortgage. I have been requesting that the Resolution Department at XXXX XXXX XXXX XXXX review my proof of payments and resolve the balance dispute. Embrace Home Loans and XXXX XXXX 's Attorney XXXX verified receipts through XXXX XXXX, she did not give a balance on her report. I a current and paid through XXXX XXXX and Embrace Home Loans Mitigation Department not their Resolution Department has contacted a XXXX XXXX, Louisiana Attorney who sent me a Warning Foreclosure Letter. I have responded to that letter. Please see attached.

Company response to consumer: Untimely response
Consumer complaint received 03-05-2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was denied credit. I contacted Experian to get a copy of my credit report. They would not let me access my credit report. I filed a complaint and they said they would mail my credit reporting to me. That was over a month ago. To date, I have still not received my credit report.

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 11/18/2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Realtime Resolutions out of XXXX TX took over my loan from XXXX in XXXX XXXX. I had filed Bankruptcy XXXX and made my monthly payments for XXXX 1/2yrs with no contact with them until XXXX XXXX when they started sending letters to my Lawyer saying I was behind {$3200.00}. on the loan. I had my Banker look over the loan history in XXXX XXXX and with her assistance we called RTR to get the account straight. The account was corrected by a XXXX XXXX and we agreed that the loan was behind {$1100.00} for which I agreed to pay it back plus the monthly payment over a 4 month period from XXXX XXXX to XXXX XXXX. 
I made all the payments that were agreed and then the regular payment from that point on. I contacted RTR for an issue with them not sending me monthly statements around XXXX XXXX and found out my account is behind again {$330.00}. I sent RTR proof the payments were made from XXXX to present showing bank statements and cleared checks for which they are refusing to accept. I contacted my banker again and had her go thru the loan history and the letters RTR was sending and says RTR is sending conflicting information that doesnt add up in any direction. I need your assistance to find out what is going on.

Company response to consumer: Closed with explanation