milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. 
I have a mortgage with Wells Fargo, I fell behind in my Mortgage and I sent them in XXXX to catch up, they sent it back to me with XXXX added onto it and said that if I could not pay this they would file foreclosure. since this time they have had some contact with me. but little. my real estate agent and I decided to put it up for short sale, weeks ago. my house is scheduled for forclosure XX/XX/2015. We have called them and have sent them everything they had requested in sufficient time. They will not return phone calls not even emails. and everytime they call they seem to add XXXX more thing that they need. I feel this is bad business. if you need names I can supply them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I called transunion and told them there was a error with there system they remove my inquires and they put there back on without the proper notification

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX says sorryfor what they did and no name on paper work just letter

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 05-03-2017 about Checking or savings account (Checking account) with BANK OF THE WEST (NM).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On Friday,  XXXX   XXXX , I went in to the  XXXX  downtown branch of Bank of the West to close my checking and savings account. I had incurred charges on this account the day prior, despite not having overdraft protection. The account was in the negative ( approximately - {$220.00}  ) for about 1-2 days. I paid the banker the balance to brin g the account to  XXXX . I paid in cash and asked him to close the account after it was brought to   XXXX  . The banker gave me an excuse saying that he could not close the account for some reason, but failed to state exactly what that reason was and what policy and/or law he was adhering to. I told him that I wanted both accounts closed that day.     On Monday,  XXXX   XXXX , I emailed  XXXX  asking about the account, to ensure everything was closed. He emailed me back saying that there were more charges on the account, from automatic payments that I had set up previously.     I was charged {$35.00} for the overdraft and paid all charges on the account, today,  XXXX / XXXX / 2017 . I do not understand WHY a bank would allow any further charges on a closed account. When a customer asks to close an account on a specific day, not closing the account means more ways to collect on bank fees. Not closing the account when I asked helped the bank become unjustly enriched.     I am very upset with the Bank of the West, their behavior is egregious, predatory and full of non-disclosures. I would like to recover the {$35.00} that my husband paid today to try to close the accounts I had.     My husband was told that even though we want to close the account, more charges could be applied to the account. This is an unacceptable excuse and I believe it is in violation of several laws as well in violation of the covenant of good faith and fair dealing.

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 03-07-2017 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Deposits and withdrawals

Complaint: I 'm XXXX and require special accommodations. On XXXX at approximately XXXX, I walked into PNC Banking Institute located at XXXX, Washington , DC . I needed to withdraw XXXX dollars out of my checking account and follow-up with transactions made with my debit card on XXXX. In the process of conducting business at the Teller 's window, XXXX walked up to the right of the Teller 's window, while I was counting a couple of thousands and starting yelling " That 's Enough '', " Stop Her '', " Do Not Help Her '', " She Needs to Move, There Are Other Customers in Line '', with XXXX standing to the left of me at the Teller 's window. 
I asked XXXX XXXX if her staff could step back from the Teller 's window while I continue to count my money. Both women employed with PNC Banking Institute refused to honor my request to back away from the Teller 's window for my privacy. After counting XXXX dollars in all twenties, I needed to check on my pending transaction made on XXXX. I requested to file a complaint with their corporate office because those women made me feel so uncomfortable. 
XXXX would n't contact customer service until 60 minutes later ( XXXX/Sales Service Manager, XXXX, Washington, DC XXXX, Washington, DC XXXX ). Those women were so unprofessional and they are in serious need of training.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Credit card debt) with Blatt, Hasenmiller, Leibsker & Moore, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX, who used XXXX XXXX, and then is using Law Offices Blatt, Hasenmiller, Leibsker & Moore - who continue collection actions after a debt has been discharged by the XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as XXXX XXXX are prohibited from attempting to collect the debt from me since I share 50 of the marital property, both presently and acquired in the future. Even after XXXX has received many notices, and a notice from XXXX and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 
Account in question : University XXXX ( 7 years old from what experians reporting is ) ( this dirty university will not respond to me ... how is this allowed when bureaus claim they talked to 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 non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number onXX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX Investors. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXX Thanks for your attention to this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: RE : CFPB XXXX XXXX : XXXX. 
Account name : XXXX XXXX, XXXX. 
Loan Number : XXXX QUESTION # 1 : Was the loan secured by real property? 
QUESTION # 2 : Who was the named insured on the title insurance policy at the time XXXX XXXX, XXXX. were the Servicer? Name of the Lender and the Trustee? 
QUESTION # 3 : Did you send the Notice of Servicing Transfer letter via FIRST CLASS MAIL? 
QUESTION # 4 : Was XXXX XXXX, XXXX. a debt collector or debt collection agency at the time it represented itself as a Servicer? 

Kindly provide an explanation as to why XXXX XXXX, XXXX. reported the account delinquent and state whether it was a principal party of the consumer credit transaction of a line of credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Bank of America contacted me in early XXXX, 2017 and told me that there was fraudulent activity and someone had cashed 3rd party checks in my name against my account. These checks were written on XXXX XXXX ( a company the XXXX XXXX I work for has done business with in the past ) payroll checks. The checks were made out to me ( XXXX XXXX ) with my address and a signature on the back that looks very much like my own. Once XXXX XXXX learned of the fraudulent checks, they stopped payment which caused Bank of America to withdraw the money from my personal account to cover the checks ( approximately 2,000 - I am a single mom and that is quite a lot of money to me! ). I filed a police report and the XXXX County ( Georgia ) detective told me that he sent a subpoena to Bank of America requesting the video footage and other transaction information - he says that Bank of America replied that they can not 'locate any transaction information '. The detective told me there is nothing he can do if Bank of America is not willing to send him what he has requested. Meanwhile, the Bank of America Fraud Department has denied my claim stating that I authorized the third party to cash the checks. They have not proof of this. There is someone walking around with my money, my bank account information, my name and address and Bank of America is unwilling to help me. I don't know what else to do.

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 monetary relief
Consumer complaint received 03-01-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've received a letter from Midland Credit Management regarding a payment offer, which is dated XXXX/XXXX/XXXX. Prior to this, I was unaware of any collections lodged against me by Midland Credit Management until I received this letter. I then ordered copies of my credit reports and noticed that Midland Credit Management has an account on each credit bureau 's report and the information contained within each report concerning Midland Credit Management varies from bureau to bureau and therefore, is inaccurate. 

On the XXXX report, the 'original lender ' is reported as Midland Funding Llc and the 'date assigned ' is listed as XXXX, XXXX. However, this is inconsistent with the XXXX and XXXX credit agencies ' reports which lists XXXX as the 'original lender ' with a 'date assigned ' as XXXX, XXXX. The account number is omitted from the XXXX report and the account number is encrypted in XXXX and XXXX reports. 
I have never personally opened an account with Midland Credit Management, nor have I ever accepted any extension of credit from Midland Credit Management, and I have never done any business whatsoever with this company. 

By reporting to the credit bureaus as the 'original lender ', Midland Credit Management is in violation of the Fair Debt Collections Practices Act ( FCDPA ), and my rights as a consumer, to fair and accurate information furnished to the credit bureaus, which is then reported to my credit file and contained within my credit report. Further, Midland Funding listing itself as the 'original lender ' on my credit reports is a misrepresentation of the facts, as it is not the 'original lender ', but a debt collection agency. According to the FCDPA, " the use of any false representation or deceptive means to collect or attempt to collect any debt '' is abusive and is prohibited by debt collectors such as Midland Credit Management, Midland Funding, et al., that lurk as original lenders or original creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had asked Caliber Home Loans to be removed from e-statements and for them to mail me statements XX/XX/2016 because I would miss the e-statement emailed to me and accrued a late payment. They removed that late payment. Caliber Home Loans did not remove me from e-statements nor did they mail me a statement and I accrued another late payment penalty. I called again in XX/XX/XXXX requesting to be removed from e-statement and never receive a statement by mail. I called again in XX/XX/XXXX and explained how I have always paid in advance when I would receive my statement in the mail. Now this e-statement has messed up my payment history and wanted to receive statements by mail and asked to have my late fee waived. 
I have asked several times for it to be removed and Caliber Home Loans never did. My account shows me contacting them several times but with no response from Caliber Home Loans. I spoke to account representative and asked to speak with a manager. The account representative said that the manager was busy and would call me back. I have never received a call back from Caliber Home Loans. I asked for them to waive my late fee and they would not. I tried to pay my mortgage payment online but Caliber Home Loans would not allow me to make the mortgage payment without paying the late fee. So I mailed them a payment. Caliber Home Loans sent me a letter stating that my payment was posted to my suspense/unapplied funds account. What is that? How being late on two payments equal to a {$310.00} fee? Where in my mortgage does it state Caliber Home Loans can defer my mortgage payment to another account? How can Caliber Home Loans send me a letter but be negligent in sending me a statement in the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (MD).
Issue: Managing the loan or lease

Complaint: I have an installment loan with cashnetusa. The loan is for XXXX. They take roughly anywhere between XXXX -XXXX out of my account every two weeks making it very difficult to pay it back in full. I would like to know if this company is legitimate and if the " fees '' that they are charging are legal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Medical) with Monterey Financial Services LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over 2 years ago my wife had lab work completed in California and sent off to XXXX XXXX XXXX XXXX in XXXX XXXX. The doctor said that if the insurance company does not cover the fees the company ( XXXX XXXX ) would ( we now possess a copy of written documentation of this policy ). 2 years later ( now ) after not hearing from any issues on our insurance or the doctors office the company is bankrupt and a collection agency is trying to collect {$3000.00} from us for XXXX completed for the bankrupt company 's trustees. We sent them the written documentation agreement between the doctor, insurance company, etc, that explicitly states, " If it turns out your insurance company does not cover a specific test, XXXX XXXX assumes all the risk. '' We have sent the documentation to the collection agency ( Monterey Financial of XXXX XXXX ), yet they are continuing to try and collect the debt from us and many others even though they possess the documentation clearing everyone of all expenses associated with the XXXX. To do this is unethical, a scam and fraudulent business practices by Monterey financial. They are using scare tactics and threats to peoples credit to try and collect despite the documentation clearing the patients of any type of financial responsibility and preying on others who may not have the knowledge or possess the burden of proof we have received from our doctor who used XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with Capital Management Services, LP (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling my reception desk but not leaving messages on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (SC).
Issue: Trouble during payment process

Complaint: I have a Conventional with PMI mortgage.
SunTrust Mo  rtgage  / Loan officer   XXXX   XXXX .   I believe I have been charged PMI inappropriately since the mortgage was issued based on the loan to value ratio.   I have called the local branch and was told  XXXX   XXXX  no longer works there and given a direct number to call. When I did I was told I would have to pay for another appraisal to file for discontinuance of PMI. Again my complaint that I should never have been charged PMI was politely ignored.   My appraisal document shows the appraisal at  XXXX  and the  appraiser  states that is on the low end of a scale between $  XXXX .and {$540.00} My original loan amount (  XXXX / XXXX /   14  ) was {$360.00} which equates to 72 % of the appraised value even at the lower end of the scale.   No one will discuss or admit that it is clearly below 80 % which I believe is the threshold for PMI requirements. I have copies of the appraisal Etc.

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 09/16/2015 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Advertising and marketing

Complaint: On XXXX XXXX I applied for a credit card with walmart because they were offering {$25.00} for applying for a credit card. I was approved and the sales clerk attempted to make firat charge on card ( even though it was never mentioned that you must make a purchase on the day approved to receive the {$25.00} ). I stood around an hour waiting for the cashier to figure out why my new card was not working. Eventually, we ended up using my debit card for the purchase. They made me call customer service to see why the card was not working. Upon calling it turns out the cashier inputted my drivers license information incorrectly. I was told that the customer service representative will notate my credit card account and if I did not see the {$25.00} on my first bill to call in. I called into walmart card center today XXXX and was informed that they can not give me the $ XXXXdue to the first purchase not being made on the date the card opened. I explained what happened and the representative said she could only file a dispute.

Company response to consumer: Closed with monetary relief