milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Consumer Loan (Personal line of credit) with WELLS FARGO & COMPANY (MS).
Issue: Managing the line of credit

Complaint: This was a revolving account in which I paid Wells Fargo National Bank. There fore I am requesting XXXX XXXX be totally removed. As far as Wells Fargo goes, I never missed a payment, but was late on one. But paid the agreed upon contract amount. Instead of calling me as the cosignor, they called my daughter who is a college student. I thought they were offers of credit increases when she told me they called, because they had called before. When I pulled my credit report and realized the account was closed, I called them and asked, how can you close an account in which you are receiving an on time monthly payment on, and they said, it was several months where I did n't pay the full amount and they called the cosigner, XXXX XXXX. I told them I was the cosigner. And then I asked, since they knew I was an XXXX, why did n't they call me? They told me they could only call one person on the account and they chose to call her. I asked them, Where was that law? Needless to say they did n't have an answer. I informed them that all it took was a simple phone call to me to could have resolved this before they went to the extreme. I told them that I was legally entitled to receive a phone call especially before they closed the account. I informed them that I was paying the account off shortly and I did. I opened this account to assist my daughter in building credit and this is ruining her start on life. I made 13 consecutive payments and this account was closed because of negligent policies and personnel being lazy.

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 08-02-2017 about Debt collection (Medical debt) with Focused Recovery Solutions, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I saw a negative mark on my credit report from FOCUSED RECOVERY SOLUTIONS. XXXX  XXXX lists XXXX XXXX HOSPITAL as the original creditor. The amount owed according to the hospital is {$62.00} and no bill was ever sent to substantiate the debt. I called the hospital and they sent a statement which is attached. How can I remove the derogatory mark on my credit? It has lowered my score for a year. Please help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Hello, Capital one has a business credit card opened under my business ein number and my social security number. The address on this closed account is incorrect and they also have 2 inquiries in my report. I requested for them to provide me a letter of deletion for the 2 inquiries with the wrong address and the closed account so i can show the 3 bureaus. They refused. I have called them multiple times to get this corrected and they have ignored my requests to delete this incorrect information from my credit report. I also contacted XXXX XXXX and XXXX and the only one that deleted the closed account was XXXX. This incorrect information is hurting my credit score. i ask that under the FCRA rights that i have as a consumer they delete the 2 incorrect inquiries and delete the negative history of the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: APR or interest rate

Complaint: I completed a balance transfer with Chase on my XXXX Chase card. The amount was to be interest free for the period. I would regularly use the card to make purchases beyond that transfer amount, and upon receiving a billing statement, would overpay to account for the charges where interest would be applicable, plus the minimum due to account for the balance transfer. Despite these overpayments, Chase is charging interest on the purchases, despite their cost being more than covered by each payment. For example, I made {$200.00} in purchases in XXXX, had a 0 % balance of around {$9000.00}, and made a {$500.00} payment to account for all charges and minimums to pay down. There were no additional charges on the account, so I effectively paid off the interest-bearing piece of the statement plus {$300.00} additional. They charged me {$36.00} in interest anyway. I have XXXX other credit cards and none do this. Their language is deliberately vague and does NOT state that this is the case, but claim that one phrase about there being ANY balance on the card, 0 % or not, means they charge interest on any and all purchases regardless of whether they 're paid off each period. I ended up paying the card off in order to cut all ties with Chase but they 've collected hundreds in interest from me despite all efforts to pay off what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with NAVY FEDERAL CREDIT UNION (PA).
Issue: Billing disputes

Complaint: I read the article from the CFPB about all the illegal activities that Navy FCU did to consumers. I wrote a letter certified mail to Navy explaining the issues i had with them and let them know about the exact same illegal activities they did to me. I received a letter from the Senior Vice President XXXX stating he personally reviewed my dispute and he determined that he had validated the account with all XXXX credit bureaus. But he failed to provide any proof of the alleged debt, no contract, no account statements. All he said was that i still owe them money. I sent him a second certified letter restricted and he personally signed for the letter. He has not responded to that letter at all. In the letter i pointed out that they had failed to verify the account pursuant to 15 USC 1681 s-2 FCRA as well as FACTA section 312.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This complaint is addressed to Experian Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number:XXXX, dated XXXX XXXX, 2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). On XXXX XXXX, 2016, was denied online dispute due to maximum access. Online, the report shows the collection account with XXXX as " Closed '', updated XXXX XXXX, 2016. As of XXXX XXXX, 2016, it has not been deleted. Other agencies have adhered to request. If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C.s1681.

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 02-04-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: PNC bank purchased the servicing of my mortgage. They started off by giving me the wrong account number and my payments were held in a suspense account. They knew they had received them but did not correct it until they told me I was past due. At this point they then said it was my obligation to tell them how to apply the payments no that 's why they left them in the suspense account rather than applying them to my account. Now I assume I am on some sort of deadbeat list because they call me at home telling me my current payment is past due on the 3rd of the month. I use bill pay to send my payments automatically on the 1st of each month. It is not past due until the 15th. Needless to say, this is not only annoying but also creates much stress when my wife receives the call. I have XXXX mortgages that I send on the first of the month but only PNC aggressively calls me on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MT).
Issue: Loan servicing, payments, escrow account

Complaint: i had a catostrophic insurance claim on my house on XXXX XXXX, 2014. I have had several phone conversations with my mortgage company about my insurance money. They never communicated with me on the requirements until I questioned them why they were not releasing my insurance funds to me. I have had the siding done on my house but not my roof yet. I have had several phone calls, emails and faxes to the greentree claims dept. They all tell me something different. The superviser told me to quit calling and they would settle the claim when they had time. Currently, they are sitting on {$15000.00} that i need to pay my contractor with. I have asked them to contact my insurance adjustor because clearly they are not listening to me and not able to read the adjustors report. I have sent them all the required documents and they still will not release my funds. How do I pay my contractor? I have sent in completion photos. I have sent in tax id numbers. They will not release my depreciated amount until an inspection is done. They will not do an inspection until i have all the work complete. Neither XXXX of my contractors will sign a lien waiver until they are paid in full. I cant afford to pay them without my insurance money. The mortgage company states that none of the funds can be released to me. If I end up paying the contractor they will not refund the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: I contacted Wells Fargo to see if they could compete with an auto loan offer I received from a credit union. I was assured that they would be able to offer a loan at or below 3 %, I made sure this was the case before proceeding with the application. The loan was approved, but at 5 %, rather than the promised 3 %. I feel I was misled into applying for the loan that was not desirable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with Credit Karma, Inc. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Without my knowledge someone has attempted to reach into accounts and use my social security number for their use. I demand a dispute on that person whose has been using my information. For the last year someone has been messing with my social security number. This is the first time I am actually trying to contact about this. It has been going on for a while and I thought it would just go away

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The false representation and/or implication by the " Wakefield & Associates, Inc. '', a Collection Agency, caused me to lose any claim or defense to payment of the debt including questionable interests.

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 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am submitting this complaint on behalf of my XXXX XXXX XXXX mother, of whom I am POA and Trustee of her accounts. Currently she has a Capital One XXXX which pays for XXXX specific and regular monthly expenses - Medications and a storage unit for $ XXXX. 
CaptialOne bank double-charged my mother 's XXXX Bank checking account through auto-payment on XXXX XXXX, XXXX. Rather than XXXX monthly charge of {$80.00} for a storage unit, her account was charged ( also by auto-payment ) an additional {$80.00} fee, creating an overage of {$80.00} to her account. 
As her POA and Trustee, I attempted to speak with CapitalOne personnel by phone more than once. I filed a paper form with CaptialOne detailing the dates and discrepancy and sent it by FAX XXXX XXXX, XXXX at their request. All responses from Capital One have led to no resolution. 
There is still an outstanding {$80.00} over-charge by CapitalOne, as evidenced by the attached downloaded CapitalOne transactions via the CapitalOne website, downloaded XXXX/XXXX/XXXX. However, I checked her account balance online today - XXXX CapitalOne shows the current balance of zero. The downloaded transactions show a clear {$80.00} credit owed to my Mother 's trust account. The company has not provided a charge to resolve the double credit regardless of multiple attempts at communication. The balance reported by CapitalOne does not agree with the downloaded transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Mortgage debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Fair collections and out is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on X/XX/12 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve

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 11/16/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: To Whom It May Concern : This letter is in response to your recent claim regarding Account ending in XXXX for a credit card, which you claim I owe XXXX. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact

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 04/17/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I an attempt to modify/short sale etc ... XXXX My lender ( flagstar bank ) r has violated every possible servicing regulation, by causing delays failing to accept payments, mishandling my application that led to a denial, failed to send statements, failing to acknowledge my answer to judicial foreclosure. Their violations are clear and ongoing. They recently entered into an order of consent with your agency to comply with federal lws, however they continue to ignore them and are attempting an illegal foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit issue disputed with no final response. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. I had a medical hardship as well. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. Several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in 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 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion report does not include any of my credit lines or loans. I contacted Transunion regarding this issue and they were able to create a file for me and assured me that my credit lines and loans would appear within 30-90 days. However, its has been over 4 months and there is nothing on my report. I have checked the identity information on the report everything is 100 % correct. I 've also contacted credit card companies and they were not able to resolve the issue.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed equifax and   XXXX   XXXX   should not be reporting this account

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a few inquiry 's on my credit score that does n't belong to me and I did not receive trade lines of credit from. I asked them to remove them, and they declined to do so.

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 06/18/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just checked  XXXX   XXXX  on  XXXX   XXXX ,  2017  and a collection from a debt collector is there with an original debtor I have never heard of or have ever been in anyway associated with. I ca n't even figure out who they both are and what the debt represents. It seems that this is happening to many other consumers.   This is the info I have  : DEVILLE MGMT COLLECTIO N/CHARGE-OFF Status Type : Other Date Reported :  XXXX   XXXX ,  2017  Payment Status : Collection/Charge-off Account Status : Derogatory Amount Past Due : Not Reported Account Details Original Lender :  XXXX   XXXX    XXXX   XXXX   Account Number :   XXXX   Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$2400.00} Payment Details : Amount Past Due Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported Lender Info :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Remarks : Placed for collection.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach where all of my personal data was stolen. Social Security number, date of birth, driver 's license number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 'm still on chapter 13 so I have 2 loans out now that I did not know i could n't get! It 's hard to pay them back but they is not in my chapter 13! Once going to happen once they find out I 'm off chapter 13

Company response to consumer: Closed with explanation