milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company continues to negatively impact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX nothing to do with me or agree to validate supposed debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My home is on XXXX parcels of land. The first year I lived in my home, I mailed all XXXX real estate tax bills at the same time to my mortgage company, as I have an escrow account and they are supposed to handle those bills. Flash forward to XXXX XXXX of this year, when I received XXXX delinquent tax notices in the mail! I called Nationstar to ask why they paid for XXXX parcel when I own and sent them XXXX. I was asked to fax the delinquent tax notices to them directly, which I did on XXXX XXXX. I was told it would take XXXX-10 business days to be handled. By XXXX XXXX, I had not heard an update so I called back. I was told they contacted my tax collector and she said all my taxes were up to date. So I called the tax collector to confirm this and was told that they only contacted her about XXXX of the XXXX parcels, and it happened to be the one that was paid. They did not ask her about the other XXXX ( unpaid ) parcels, but she did tell them that there were XXXX parcels total and only XXXX was paid. I called back a 3rd time to let them know that they asked my tax collector about the wrong parcel. I 'm not sure why since they were faxed the XXXX unpaid parcels and never once was the paid parcel number even mentioned. A woman named XXXX had me on the phone for 40 minutes supposedly taking care of the situation. She was given the XXXX unpaid parcel numbers multiple times. I asked if the mortgage company would be paying the additional fees and penalties, being that this was their mistake, and was told that they would. XXXX said she sent out requests to inquire about the XXXX unpaid parcels and that she would call me on XXXX XXXX to give me an update. After NOT receiving a call with an update on XXXX XXXX, I called them again on XXXX XXXX. XXXX got the whole story again, put my information into the system, and proceeded to tell me that there are only XXXX parcels listed in my file, not XXXX as they have been told REPEATEDLY that there are. XXXX said she put in the request to confirm the third parcel ( even though this was supposed to have been done already by XXXX previous people ), and said I should call her back on XXXX XXXX to confirm that everything was verified and the taxes are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently checked my credit report on XXXX XXXX and I saw that there was a hard inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. And I wanted to dispute this action, I have not attempted to open an account with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello, Experian continues to provide a report from a firm called " XXXX '' out of XXXX, CA reference an unknown billing that has been disputed and the company has failed to provide any proof of debt to me. The information is not accurate and is not owed. Experian should remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been issued XXXX different wage garnishments on debts that are older then 4 years. They are over 7 years old and the collection agency has issued a wage garnishment to my employer for these debts. XXXX has been paid thru the wage-garnishment and just received a new wage garnishment for the other debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I informed them that the debt was not mine. They stopped contacting me and instead filed a lawsuit. When I emailed to settle to be done with it, they told me to call, but did n't give me a phone number. When I responded saying they did not provide a real phone number, they responded telling me to call them again. 

Finally, I was able to find the number they never gave me online. I called to talk about the debt and XXXX XXXX told me they had filed to garnish my wages and did n't even know how much I owed. When I tried to talk to her manager about it, XXXX flat out hung up on me because I was n't " being very nice. " After two years of refusing to answer any communication from me, now they refuse to even let me pay a debt I never owed. Meanwhile, they have been reporting this account TWICE to the credit bureaus this whole time even though they told me they were not and would not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Other

Complaint: I 've contacted Synchrony and finally got a supervisor to investigate the charges on my account. Synchrony bank has made many incorrect charges in past by charging me 5 times for the same item as well as not putting items on promotion as agreed when purchased. Every time they call me they 're is never anyone at the other end when I answer. My credit is good except for synchrony/walmart. Even though I am trying to resolve it by paying it I can not get answers. Now its been reported to bureau.

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 03-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015, I attempted to have XXXX XXXX installed. The installer came to my house to attempt to set up a phone jack in my apartment in order to connect my services. He informed me it would be extremely difficult and the connection would be terrible so I cancelled the appointment, cancelled my services with XXXX and returned the unopened modem. The person left within 20 minutes. Since then, XXXX has made several attempts to collect different amounts for services I never had. I 've disputed several claims from XXXX different collection agencies and spoken to XXXX many times over the course of a year to stop receiving these claims, but here I am, a year later, still disputing these charges, despite XXXX representatives telling me that the file is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: I, as far as I can tell, was a part of the Equifax credit information hack. Now, due to mishandling of my information by the credit reporting agencies, I must pay the credit reporting agencies to freeze my credit. This has many issues : First, due to current demand it is difficult/impossible to get through to be able to do this. Second, it is unconscionable that some of these companies are taking advantage of the situation and attempting to trick users into signing up for paid credit protection services when the user attempts to freeze their credit. Finally, it is ridiculous that I must pay these companies to protect my information that I never consented to them collecting in the first place. Paying Equifax to freeze my credit is simply rewarding them for their careless handling of my information. Protections such as credit freeze should be federally free to perform, otherwise it seems to amount to racketeering ( " That 's sure a nice identity you got there ... sure would be a shame if something happened to it. '' )

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Creditor XXXX XXXX XXXX ( XXXX ) still showing open when should state closed status with {$0.00} balance. It was included in Bankrupcty and now is DISCHARGED. Bankrupcty case # is XXXX. Creditor keeps removing and reappearing on report. Also keeps changing statuses and balances every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase bank has put my account into XXXX XXXX as owed to them when my account had been fraudulently used by someone who had all my info and had made my account negative XXXX dollars On top of taking over 600 dollars Out of my account which makes it total of over 1000 dollars taken fradulently from My checking and saving account and When i had noticed it and reported to Chase they said would investigate and send me a new card. Which they did n't not and closed my account and blamed me for the money taken Without any evidence and supposebly they said I told them my pin was written on the back of my card which is n't true at all I would never ever do such a thing that 's like saying I would put a big Sign in my House pointing were I have hidden my jeweler or cash so when a thief comes into my house he would n't have problem finding it this just redicilous claims by Chase so I asked them For the recording to support there false claim which they still have n't let me Hear it till this day and have caused problems with my credit score and for me Obtaining any checking account at any other bank which is very upsetting. I 'm Demanding they return my money and or either give me a new account with the money in it. Because of Chase now my XXXX has been ruined and this is a big problem for me since I get big paychecks and need to have somewhere to put my money. Chase needs to fix. My issue asap.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a check for {$680.00} via Bank Of America 's mobile app. It posted to my account the next day. On XX/XX/XXXX my account was deducted {$680.00} with the explanation that the check image was unreadable and therefore returned by XXXX XXXX XXXX unpaid. I still had the physical copy of the check so I mistakenly tried to redeposit the check on XXXX/XXXX ( before I knew that it had already been paid ) but it was returned NSF. According to XXXX XXXX XXXX, the check was paid and their account holder 's account was deducted {$680.00} on XXXX XXXX, XXXX. A XXXX Financial Representative faxed over a letter on official letterhead to this effect on three separate occasions as per requested from BOA, but they are still maintaining that the money has not been paid by XXXX XXXX XXXX. I have been given three different contact names and fax numbers by Bank of America 's research and adjustments department yet have no way to confirm that they have received or processed the information. I have spoken to a different person each time I have called, around 17 times. I have spent over 6 hours trying to get them to reach out and directly contact XXXX. I have provided the contact information so I do n't have to act as the intermediary since clearly I am not familiar with their operating procedure, but to no avail. XXXX XXXX XXXX  provided the information they requested yet Bank of America refuses to address the problem. On XXXX/XXXX I was told that they actually did receive a fax on XXXX/XXXX, but they said they needed more information. They chose not to contact XXXX XXXX XXXX to request this information, but instead closed the case. Bank of America recommends that I deposit the check for a 3rd time, clearly demonstrating that they lack understanding of the issue. I have been to both banks in person and spent over 6 hours explaining the situation to Bank of America representatives on the phone, often being told conflicting information. I 've asked to have the case escalated but was told there is no case manager available.

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 10/26/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: On XXXX/XXXX/2016, XXXX # XXXX from Sallie Mae assisted me with applying for a lower monthly payment of XXXX, which would be automatically deducted from my account every XXXX of each month for the duration of 24 months. On XXXX/XXXX/2016, XXXX who is the account manager assigned to me had informed me that in order to avoid getting a negative report in my credit, I should apply for a forbearance. Evidently not having enough knowledge with student loans, I agreed to apply for the forbearance. Per XXXX, with a one-time payment of XXXX, my loans will be in current status instead of past due. I received a letter from Sallie Mae dated XXXX/XXXX/2016 that they were not able to process my request at this time and that my loans are not currently enrolled in the forbearance program. On XXXX/XXXX/2016, I spoke with XXXX and informed her about the letter that I had received. Per XXXX, this was a misunderstanding since her supervisor failed to approve the request. Per XXXX, she would ensure that she will submit the request to her supervisor for approval. On XXXX/XXXX/2016, I went online once again to check the status of my loan. Still, it was past due. I called Sallie Mae and spoke with XXXX that same day and was told that it was a mistake on their end and that my request for forbearance would be process at this time. Per XXXX, I should wait XXXX48 hours for the request to be processed. Today XXXX/XXXX/2016, I checked my Sallie Mae account online once again to check if my request had been processed. Yet, I got the same outcome. Loan still says that it is past due. I called Sallie Mae and spoke to a man named XXXX. Per XXXX, my request is currently being processed and should check back again this Friday. 

To summarize, I have been very dissatisfied with the service I have been receiving with Sallie Mae. I was told that I have been assigned to an account manager to further assist me with managing my account since it is past due. However, I evidently see no changes. All I wanted was to apply for a forbearance to bring my account current. Sallie Mae has been causing me, especially my father ( co-signer ) unnecessary emotional distress.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: We pay our margage to Wells Fargo every month ' it is not showing up in out depts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (International money transfer) with TransferWise Ltd (OR).
Issue: Other transaction problem

Complaint: I used this service many times and had good results. Then one day they cancelled my account, refused to tell me the reason and will not send me my transaction record. I have contacted them many many times and always same answer, that its a secret why they cancelled me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. 

We have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. 

They have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Mortgage (Other mortgage) with NEW YORK COMMUNITY BANK (TX).
Issue: Loan servicing, payments, escrow account

Complaint: M y Father passed, and I took over a Real Estate prop erty he owned in Arizona. For the last 8 months, I have been dealing with  two  Mortgage Service Companies, who have violated Federal Successor In Interest laws on Several Counts. The property had  two  mortgages. The primary Mortgage is current, and I am " allowed '' to make the payments. However, I am being told that I have no authority over this primary mortgage. Only the PR for my  Father 's Estate h as authority. IE I ca n't even change the mailing address for the notifications for this mortgage, " because my name is not on the loan ''.     XXXX   XXXX   XXXX   XXXX  , violated severa l Federal Laws,  and it was not found in due time due to these violations. This   XXXX   XXXX   XXXX  , was notified as soon as the Mortgage was found. They refused to speak to me - the  Successor In Interest, "  because my name was not on the loan '' and they had already " closed out '' ie, foreclosed on this mortgage. Their stance was " They had closed out this mortgage, and were not pursuing it at this time ''. In effect, the property was not lost, but a  Title Deed Filing Lein Remains Intact  for this property for this mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Problem when making payments

Complaint: I ha ve sentWorld Finance se veral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally. I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as   XXXX  , and that mistakes can be made. On  XXXX   XXXX ,  2017 I pe rsonally went in the office myself and ask for my printout/records but of course they did n't have them so on  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP! If not i will sue. The original creditor can be held liable for reporting inaccurate informatio n (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA le gislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus..   They have also sold this account to  XXXX   XXXX  so it showing on my credit report twice and really effecting me mentally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am trying to refinance my mortgage, and have learned that my personal information has been compromised by the Equifax hack. This hack has jeopardized my chances of having my refinance approved and hurt my chances of getting rate I deserve.

Company response to consumer: Closed with explanation