milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In response to complaint # XXXX Debt Collection Law Firm Hunt & Henriques I have enclosed copies of a judgement defendant XXXX that this law states it belongs to me. I have no contractual agreement with Hunt & Henriques nor XXXX. Hunt & Henriques must permanently cease and desist. I have also fied a complaint inquiry with the Attorney General office state of California. I have also filed a formal complaint with the Federal Trade Commission for violating the FDCPA. A formal investigation should be conducted by your agency against this Hunt & Hemriques. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XX/XX/XXXX sometime. It was in XX/XX/XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

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 03/23/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: well I feel like I have no choice but to file a complaint here when I attempt to log in online it says that account details are no longer available I 'm guessing this is because the account has been closed for well over 6 months now but because of that I can no longer send messages to you either that 's my first complaint you 're making it impossible for me to communicate with you the second complaint is about the XXXX dispute for {$400.00} which the transaction took place more than eight months ago it was disputed almost 8 months ago originally I provided all the tracking information the carrier confirms that the package was delivered to the proper address that belongs to the company there 's no proof otherwise that they have n't received it and now eight months later you are billing my credit card keeping in mind a credit card that 's not even open anymore and has n't been opened for almost 6 months I 'm not sure what you 're doing there XXXX butt if Citibank is made a mistake processing all of this that 's your mistake not mine I have provided proof that the merchandise was returned unless the merchant has provided proof that they did n't receive it which is far as I know they have n't provided any proof of that I 'm expecting a full refund you can discharge someone 's account 8 months later there are laws in place that you were breaking you are aware of this right?

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: Experian is not removing accounts that should be removed from my report that are inaccurate from XXXX 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 explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have shown proof to EquiFax and XXXX about my XXXX XXXX account that this collections account is not my responsibility. That aside, I disputed the XXXX XXXX account 2 years ago with EquiFax and after 30 days it was never removed and it has sat in " dispute '' for 2 years even though it was suppose to be removed after 30-45 days without proof from collector. I called EquiFax and told them it needed to be removed because it had been in dispute for 2 years. The woman at EquiFax said it was n't in dispute and it was just a comment on the account. I told her this " comment '' is keeping me from getting a mortgage loan. She said she would remove it. After removing this " comment '' my credit score dropped XXXX points. This proves that this account HAS been sitting in Dispute for 2 years or more and should be removed. Once the comment was removed it went back in collections and dropped my score tremendously! EquiFax is n't following the rules of disputes and it is effecting my credit score. I have contacted EquiFax by mail and by phone and have n't gotten anywhere with them. They claim that they ca n't do anything which makes no sense. They have a dispute department and the guidelines state that when an account is disputed the collector has 30 days to respond and if they do n't then the item is removed. This account sat in Dispute for 2 YEARS!!! It was never removed and now it has dropped my score XXXX points when they removed the dispute. I also have a student loan on my EquiFax report that is not my debt. I have never had a student loan and it was disputed the same time the XXXX wireless was disputed and it has sat in dispute for 2 years or more as well and should have been removed at this point. This account was never late and was paid off. So even though it is n't a negative account, it is n't mine. It needs to be removed. This student loan is STILL sitting in dispute at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Customer service / Customer relations

Complaint: I bought some wine from a shop in XXXX, and B of A denied the charge because they " suspected fraud, '' and called us after the fact. It was a legitimate charge, and when told that with confirming information, they said they had released the hold. I told the vendor to re-submit, which they did, and it was denied again. It is embarrassing, unprofessional. and they should be criticized for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Today at XXXX onXX/XX/XXXXI contacted Transunion the credit reporting agency to have these inquiries removed from my credit profile. However they refused to remove them. Being I was affected by there recent credit inquiry issue they did not notify me when adding them back to my credit report. I would like them to be removed being they illega added them to my credit report. Thank you

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 11/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: According to information presented at XXXX the XXXX HSBC Settlement agreement addresses HSBC 's alleged misconduct regarding its mortgage servicing and foreclosure practices. 

As outlined by the Consent Order ( XXXX ) we have not received any information about our specific HSBC loan in which multiple illegitimate foreclosure attempts by HSBC were made, trial and temp modification were fraudulent and deceptive, and gross neglect of law was commonplace with HSBC and their representatives. We defended XXXX XXXX XXXX XXXX erroneous foreclosure attempts alone on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and each XXXX of them was full of fraudulent and abusive actions. The latter foreclosure attempt was also abandoned by HSBC for over six ( 6 ) years. 

I do n't really know where to begin with informing you and others about the elongated problems with our specific mortgage mess. I can only share our information so you can get a clearer picture of the atrocities my wife, family, and I have endured as a customer of HSBC from XXXX, XXXX through to XXXX, XXXX. I can provide further evidence or information upon request. 

When we reached out to both the XXXX HSBC Settlement staff ( by phone ) and the Office XXXX ( by email ) earlier this month, they both informed me that they can not help us. They are simply enforcing information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Payday loan debt) with Southwest Recovery Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I periodically check my credit report and found company, Southwest recovery Services, has applied a debt to my credit file back in XXXX XXXX. I 've called the company on several occasions asking for documentation to no avail. We are almost 11 months into the year and they have yet to certify that the account belongs to be. Neither of the 3 credit reporting agencies were any help. Even when I dispute this information, nothing has been mailed, emailed nor called to confirm this. I 'm out of options and really need assistance as my credit is my life and worked very hard to keep it above XXXX. They are trying to collect amount of {$1000.00}, in which I do not owe.

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 03-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I missed my payment in XXXX. Then I made my payment plus extra towards the remaining balance and have been making payments for the last three months slowing reducing the debt. They are asking for a minimum of {$1300.00} a month! Which is absurd and I have a hard enough time making the minimum payment, but I do plus extra every month. They call my house, my cell, and my work 5-6 times a day! It is non stop. They send emails, calls, email, calls multiple times a day and I already am making payments. When I speak to them to stop - they hang up and call again. I make {$1500.00} payments each month to get current. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My wife and I filed bankruptcy and the court took half of our income tax return. We received a check for XXXX and deposited it at the BANK of AMERICA atm machine. It was a out of state check that said trustee on it. When the deposit was complete to our surprise it said a hold was placed, without telling us. We contacted the bank and were given no reason why and was told there was nothing they could do. The hold was for two weeks. We have been with this sorry bank for over ten years, never bounced a check nor done anything to deserve this ridiculous and excessive wait time. I want to file a formal complaint ...

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 05-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MO).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Went looking for a cheap car within our budget. Had no money for a down. Left the dealer satisfied and headed home and planned to move on. Phone rang a coupke miles away, said they would work with us. Turned and went to talk, was handed XXXX on the sly by a salesman. We didnt know what was happening. Took us to a back office with a girl who was rtying to get into my XXXX account and she was throwing millions of papers at us. We still had no idea what was going on. I had to go outside and was crying because if the pressure of her wanting in my personal bank account. I was confused when she said how much are u putting down! We said we told u nothing! We are a XXXX couple I have stage XXXX caner and my husband is a XXXX XXXX. We have a fixed income. She said NO ... .YOU ARE PUTTING XXXX DOWN.???? IM CRYING, MY HUSBAD IS CONFUSED AND THEY say take it home and see how u like it. We did ... calmed down and calked the next day and told them we couldnt afford it and sure wouldnt pay over XXXX for a XXXX used XXXX with no extras even if we could afford it. The dealership said its out of there hands.. Call the finance co. Which we did immediately. We told them the story, asked them to please come get it or we would take it back to XXXX if they wanted. After almost a month they came and got it and by the way they couldnt even start it to move it. The finance co. Said it would be sold at auction and we would have to pay the remainder. Now as you see, we were lied to, pressured, the XXXX produced a fraudulent loan with money they used from them for down and Our credit is screwed, and someway today the finance co. Fraudulently tried to withdraw almost XXXX from my husbands XXXX XXXX account. Please help us and help stop them from doing this to others. 
CarSmart ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX If you need any more information please let us know. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX XXXX XXXX Thank you.

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 09-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: When our adjustable rate increased we contacted Nationstar and asked for a HAMP. Apparently it was approved to begin trial payments XX/XX/XXXX but we never received any notification of the trial payment approval or the final modification paperwork ( sent out for signature XX/XX/XXXX ) because they were apparently sending them to our BK attorney. 

We consulted with our attorney XX/XX/XXXX and she said she mailed us the only letter she received which had copies of the originals attached and all was received by her office XX/XX/XXXX. 

We contacted Nationstar immediately and was advised to reapply for the modification. We returned all requested paperwork for the request XX/XX/XXXX and received notification last week that it was denied. We have not changed anything since the last was approved so why is it denied now? We received nothing telling of the last approval until it was too late to request an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company i Nation Star on XX/XX/2015 i mail a payment to Nation Star and they stated that they did not receive it so i XXXX XXXX another payment of XXXX so that i would not be late with my mortgage doing the right thing the check came in on XXXX XXXX 2015 i put a stop payment on the wrong check from my bank so it went through, i XXXX XXXX on the XX/XX/2015 i have request several times for a refund from this mortgage company to give my XXXX back and has been denied. i have been getting the run around saying that they are trying to help they are not trying to help they tell you what you want to hear on the phone and when you call back to fallow up your request has been denied how do you just take my money.. i would like to know where i can go to take legal action if this does not get resolve i have been going though this for months with these people all they do is lie

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bull City Financial Solutions, Inc (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I submitted a claim against Wells Fargo Mortgage Company back in XXXX, 2015. My complaint number is # XXXX. 
The essential claim was that Wells Fargo Mortgage Company intentionally manipulated the appraisal for a house my wife and I were buying in order to charge us PMI. 
The Wells Fargo controlled appraisal came it at {$210000.00}. This figure was woefully under priced for the house we were purchasing. Eventually, we went to another bank and applied for a mortgage with them. Their ordered appraisal came in at {$240000.00}, which was very representative of the new house we were purchasing. We incurred a significant monetary loss by needing to reapply to a second bank at the last moment in order to save our deal. 
I submitted the details for Wells Fargo 's manipulation in Claim # XXXX. 
My wife and I wish to resubmit this original claim, in light of Wells Fargo 's proven corruption and illegal banking practices. 

Thank you for reconsideration of Claim # XXXX. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: will not remove XXXX or XXXX from report. 
costing me legal and costing me my business! 
i have to save $ again to sue them in the meantime it preventing me from making money. this is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to check my credit and seen I owe money I never knew i owed. i never applied for anything. i always keep track of what i spent and what I owe. my credit score is low and im trying to build it but i dont want to be responsible for someone else. somebody is using my information. plz help

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 05-05-2015 about Debt collection (Medical) with Illinois Collection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX was the last time I was contacted by Illinois Collection Services to the best of my recollection. I was contacted over an {$84.00} bill that my insurance company informed me they had paid. I explained to them that this was paid by my insurance company and I have not received any further communication from them regarding this issue. Apparently XX/XX/XXXX they then sent me to collections over a matter that I had reasonably assumed was resolved since I had not received any further communication from them. I learned of this being sent to collections from a XX/XX/XXXX credit report request. At no time did Illinois Collection Services contact me to let me know this was an ongoing issue. When I asked to see the documentation of this supposed debt that their representative quoted several times while speaking to me on the phone, she would not provide it or tell me how to obtain it and transferred my call to a voicemail. If, in fact, my insurance company did not pay the {$84.00} like they informed me they did, then I would have pursued this further had there been any communication from Illinois Collection Services that the matter was still open. I have not received anything from them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or yet in XX/XX/XXXX. I would like this matter removed from my credit report because I believe it was improperly put on my credit report, and reasonable communication from them would have resolved this minor issue of {$84.00} before the situation escalated to this level.

Company response to consumer: Closed with explanation