milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a complaint because I received a call today from my XXXX brother that has the same name saying that he has been denied opening an account because there is information being provided to the institution with our name and my social security number XXXX They are explaining to him that since we have similar information our files are being linked. I have never conducted business with XXXX XXXX and the address reported with the account is a fraudulent address that was being used to obtain credit in my name. I have filed several police reports on this identity theft issue and chex systems has copies of all reports filed. This account shows it was reported last year when the fraud had occurred. This needs to be removed from my file immediately as it is not mine. My file should also not be mixed with my XXXX brother as our socials are completely different and we do not share the same address. as you can see on the report that was provided to my brother they input his information and they provided the institution with the fraudulent account with my social.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian has had MORE than 30 days to looking into my dispute and have not shown any proof per FCRA laws I have done my due diligence as a consumer and have exhausted all options. They need to delete my inaccurate accounts since they are unwilling to verify and " show proof, '' key word is " show. '' Simply printing it with the exact same copy is not verifying or showing proof. Attached are the the XXXX reports that show the exact same copies of reports where nothing was updated as they claimed. They also need to delete inaccurate personal information it is not historical when it is n't mine. Telling me its from other sources is illegal it is n't mine. I am telling you what is my name and address you ca n't tell me someone else told you who I am.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Every single inquiry on the report except for XXXX and XXXX XXXX auto are not his.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have been disputing this entry from   XXXX   XXXX   several times and the  3  bureaus keeping saying that after their investigation they show thin information is correct

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX College XXXX. DeVille says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been processing a short sale application with Ocwen Loan Servicing since XX/XX/2016. The borrowers were approved for participation in the HAFA short sale program. Ocwen delayed the file, requesting the same documents again & again, and we did n't even see an approval on the purchase offer until XX/XX/2016. By that time, the buyer had walked because property values in the area dropped significantly due to a drastic increase in inventory, combined with the deteriorating condition of the home and having had to wait so long just for a decision. We then submitted a new offer for {$28000.00} less on XX/XX/2016, with all current documents. Ocwen 's valuation of the property came in at the same amount of the offer so everything was looking like it could move forward. However, Ocwen is now saying that the application deadline for HAFA was XX/XX/2016 and they did n't have all of the documents on file so the borrowers are no longer eligible. This derails the entire transaction because their in-house short sale program does not allow nearly enough money towards the junior lienholders, and it removes any/all relocation assistance to the borrowers. I would also like to mention that the only document Ocwen did not have, according to them, was an unpaid principle balance statement from the 2nd lienholder. They had several copies of this document throughout the process since it 's conception in XX/XX/2016 and we had to get special approval on the document because of how the collections company was required to issue the statement. Basically we went through all of their hoops to get the first HAFA approval, which took a total of 6 months to be approved, and now they are saying the homeowners did not submit the application in time for the new offer. In addition, the makinghomeaffordable.gov website states that the application deadline is XX/XX/2016, not XX/XX/2016 as Ocwen is stating. This would give the borrowers more time to submit whatever Ocwen claims is missing from the file. The borrowers have done everything they needed to in order to complete Ocwen 's ridiculous process, and now that they have another viable offer, which Ocwen has had in review for over 2 months already!, Ocwen says they can not participate. I would also like to stress the fact that the borrowers already had a HAFA short sale approved just 2 months ago as well so it makes no logical sense that they now do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Student loan (Non-federal student loan) with Performant Financial Corporation (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying thru garnishment of wages for a loan that had a amount due on {$18000.00} as of XXXX XXXX 2012 based on a order to withhold from earnings. The payments have been going to Performant Recovery as of today my employer approached me and gave me a summary of payment showing they have paid {$18000.00}. upon calling performant they are saying I still owe {$4000.00} and this will accrue interest of {$65.00} per month. 

I employer said it has been paid, please help performant will no negotiate I tried offer a settlement payment they would not accept.

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 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to access my credit report from Experian. The challenge questions they ask on their website have items I do not recognize and does not allow me to obtain anything. The last time I was able to check a few years ago, there are items that do not belong. Incorrect items have affected my credit and ability to get jobs.

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 11-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has not filed a release of lien. When I was notified of the transfer of the mortgage from XXXX to Nationstar ( XXXX XXXX ) my mortgage had about two years of payments remaining - mostly toward principal and a total amount under ten thousand dollars. If I had let the mortage run its course, I would have only paid a few hundred dollars in interest. So I was thinking about paying it off anyway before the notification of the transfer arrived in the mail. I made XXXX payment in XXXX to Nationstar, which was difficult because they only set up my online account when I demanded it after XXXX consecutive days of phone calls and more than five hours on the phone. And then the payment did n't show up until I called back repeatedly - and the customer service is abysmal. This made me quite nervous because I pay bills on time and have excellent credit. At that point I decided to pay off the rest of the note, so I requested a payoff statement. The payoff statement that they sent was incorrect, so I had to request another one. I did a wire transfer directly from XXXX XXXX XXXX so that I would have some very official documents for my records that would confirm that I submitted the final amount on the payoff statement. Months later, Nationstar has not filed the release of lien after multiple official requests. They also have apparently never reported the existence of the loan ( which was in their hands for just under two months ) and it does not show up on my credit reports - either as an existing or closed mortgage. I am concerned because, as I have told the company multiple times, that if I need to sell my property the transaction will be held up because they still have a lien that needs to be removed. The company seems entirely incompetent at best, and predatory at worst. When they bought my loan, I had made every payment on time without issue. Never had problems with a mortgage company for the entirety of my mortgages ( and I have had several on different properties in my lifetime ) but Nationstar is a disgrace. What they are doing is unlawful - there is a law that requires them to release the lien, and I am afraid that I 'll have to pay a lawyer to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: These XXXX accounts keep getting re-added after being deleted. i have provided the XXXX for the XXXX account and the FTC ID Sworn Statement for the XXXX card account. 
Name : XXXX XXXX Acct # : XXXX Name : XXXX XXXX XXXX Acct # : XXXX These inquiries below are not mines and I have asked the banks directly to delete inquiries. I did not authorize dealer to make all these inquiries to my credit report. I even requested that in my email more than once not to submit deal to any banks. 

Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 This is a fraudulent inquiry. 
Inquiries XXXX XXXX XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries null/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : :XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX is showing a closed and collection status which is not accurate. The account is still open and I have recently made it current and satisfied the in collection status. I have never ceased making monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with Receivables Management Corporation of America (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: There a re five steps to submit your complaint : Step 1 : What  is this complaint about?  <P/> RMC Of America {$350.00} lawsuit filed against me in error. I have the letters stating it. They removed it from my credit bureau after I spent months dealing with it. However, the debt wa s 2 years old a nd the employer I was working for at that time said the debt was " written off ''. When I expressed to him I was going to move my company a few months ago he started planning a way to hurt me and put me out of business. I am suing over it. He affected my credit, my bank account funds because he was using my construction company but not paying it and forced me out of house and home. He is now trying to state an unlawful detainer even though I was never actually given a reason. I was treated in the manner of " either quit or resign or else ''. I have it on camera and proof of this man.  <P/> Step 2 : What type of problem are you having?   Unable to use my credit because it was so poorly affected. I have never been late or denied for anything in my life. I am unable to buy a house to move from that situation. Not only that he hurt my cash liquid funds and I have lost so many contract jobs over it. I was never served a notice of " warning '' for a lawsuit or any late notice. In fact, I made communications about this by email as his office was not very organized with this sort of thing.  XXXX  thought it is no big deal, but it has highly affected my credit even after it was removed.  <P/><P/> Ste p 3 : W hat happened?  <P/> Read above^^^ Step  4 : What co mpany is this complaint about?  <P/>   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   Step  5 :  Who are the people involved?    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: This evening I returned a required phone call received from the Executive offices at XXXX XXXX standard time. While the phone call came in at XXXX XXXX ( Afternoon ), while at work from XXXX XXXX to XXXX XXXX. It is impossible for me to receive outside calls, other than work related phone calls. In my position of XXXX XXXX, working with XXXX XXXX and relaying this information to Wells Fargo Home Mortgage. I can not receive personal phone calls, which could hinder and possibly place the contractors, with whom I observe and protect, place them in grave danger. So being released early from duty today, I was able to reach out and phone my point of contact, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. Although XXXX XXXX was not currently available, I left a voicemail, then called back and spoke with XXXX XXXX # XXXX, of the Executive Offices. She relayed that XXXX XXXX was indeed not available and forwarded an email. I then phoned the office of Return Mail Operations, with whom I received correspondence today, with the date of XXXX XXXX, 2015. I spoke with XXXX # XXXX ( XXXX ) XXXX of XXXX XXXX, California, I inquired as to the validity of which offices are in correspondence with the Executive Offices. XXXX # XXXX informed me that this office serves, The Bankruptcy Department, Loan Servicing and Wells Fargo Home Mortgage. Additionally these letters are sent from what XXXX describes as the ( Back Offices ). Which there are several, but this letter was said to have came from XXXX XXXX, IA. I was said to have a balance owed of {$1900.00}, yet made deposits of {$490.00}, {$820.00} and {$1100.00}, which total {$2400.00}. In the letter it states that there is a balance of {$540.00} and that they do not accept partial payments and that the remaining balance of {$280.00} is needed. When I spoke with XXXX # XXXX, I asked specific questions as to the communication of his offices and the Executive Offices, so that I can come to the conclusion that all offices share the same information. If the payments of {$2.00}, XXXX were made on XXXX XXXX, 2015, why would I owe {$1900.00}?. When speaking with XXXX XXXX # XXXX and leaving a voicemail with XXXX XXXX, I hereby requested a full and thorough audit of all bank deposits and money placed into my mortgage accounts. The frustration that I receive on a daily basis from the Wells Fargo Home Mortgage team, boarders on bullying and harassment, due to the fact that not one person has taken the time to place an email, phone call, bank manager, anything to clarify whether or not any of these payments and or deposits have been made. I requested everything in writing, choosing not to go over my bill with someone who has not taken the time to do any research whatsoever. According to my math, these numbers from my deposits do not add up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Receivables Outsourcing, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I would like to dispute two things with the medical collection agency Receivables Outsourcing. I first tried to verify and validate the debt with them via a third party company. In return, they sent an itemized statement that included personal details of the charge. This alone is a violation of the Health Insurance Portability and Accountability Act ( HIPAA ). Therefore, I sent a letter to Receivables Outsourcing on XX/XX/XXXX, 2017 stating the following : " I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization.
<P/>
Please provide a breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me. '' I have yet to receive a response from this company and the collection debt is still listed on my credit report making a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Money transfers (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Fraud or scam

Complaint: Another consumer and I had a transfer with USAA. Where the other consumer transferred XXXX dollars from his account to mines and had me withdraw it and give it to him. Without me having any knowledge of me knowing that it was a scam. Then a few days later my account went into overdraft of XXXX dollars. USAA reported me to XXXX for mismanagement of my account. 
I feel that this is unfair because USAA should have not let the transaction go through if the other consumer did not have the legitimate funds. I paid of the debt and i was still reported to XXXX. and as of right now i am not able to do business with any other banks. i would like this issue to be taking care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX and XXXX XXXX XXXX are reported as open. They were both included in my Bankrupcy which was settel in XXXX in 2015. Both have been

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Payment to acct not credited

Complaint: Please do not eliminate limits on borrowing funds for Pay Day Loans. We have at least several employees in my company that depends on this loan to pay their rent and use for emergency. Eliminating this service would cause many people hardship.

Company response to consumer: Closed with explanation