milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother unexpectedly passed away last year leaving matters regarding our home up in the air. I was unable to communicate with her mortgage company until I completed the probate process, this made me I fall into foreclosures hands. I am trying to keep my mothers home, and have requested a modification with Wells Fargo. I was advised that they would work with me, I was told that all I needed to start the review was a form XXXX that I submitted with a checkstub and my XXXX. Now 2 days before my sale date I am being told that they require a full file, I could have sent this to them last week, now I am rushing to get these several documents over to Wells Fargo within a day. This is not right. To make matters worse the person I was advised would open my file is not available to take my calls, every supervisor is in a meeting, just excuse after excuse to refuse to help me and foreclose instead. I am trying to do what is right things have not been easy for me and I thought Wells Fargo understood that- I guess I was wrong, this is the first sale date for my mothers loan and they will not even allow me a couple more days to gather the laundry list of items they requested, I am hoping that I can work something out soon, I do not like to be in this predicament, I work in law enforcement helping people is my job- I was not prepared for this type of mistreatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account does not belong to me. I do not know where this account came from but it is not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Perfection Collection (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Loss of credit information confidentiality due to corporate negligence on the part of Equifax, date unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Concord Resolutions claims I owe on a payday loan from 2012. I never in my life took out a payday loan and they are calling my cell, which I blocked and signed up for the do not call registry. Also, now they are contacting place of business. They do not stop, and somehow know my last XXXX of my SS #, my address, the last XXXX of my old bank account #, and went as far as saying my sisters name. They have never sent me anything in the mail regarding a debt even when I asked them to. I also told them to email me, which they have my email address somehow as well, but have never emailed me a thing.

Company response to consumer: Untimely response
Consumer complaint received 10-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Rewards

Complaint: Offer Bonus trap. Unfair Membership Reward Points deduction from American Express Company!!! 
It used to be a good company for American Express but not anymore. Here is the story. I have XXXX American Express XXXX XXXX XXXX Card which was applied on XXXX/XXXX/2016 due to a promotion offer to get XXXX Membership Reward points after spending {$3000.00} within 3 months. I quickly fulfilled the spending requirement by using the card a lot ( spent about $ XXXX in purchasing items within the promotion period ). So obviously I hit the line quickly and gained the bonus. However on XXXX/XXXX/2016 ( after 3 months ) I noticed that there was a deduction activity happened on my Reward Account that removed XXXX points silently without my attention. I was very confused where this activity came from and thought it was a fraud. So I quickly called the Amex customer service and tried to find out what happened. Surprisingly I was told that it was a decision from Amex after an internal review which I was n't aware of. I asked the reason why there was a review and the customer service explained that there was XXXX transaction on my account that was not qualified to get the bonus points and after the recalculation they decided to remove XXXX bonus points ( it is supposed to be XXXX points, please do a careful review also!! ) since I did n't hit the {$3000.00} threshold from their calculation. I explained it is supposed to be a mistake ( A big mistake )!!! I spent $ XXXX by using the card. The ineligible transaction was only about {$2500.00}. Even excluding that transaction I still should meet the spending requirement. So I further requested the customer service to review my account again since there is a question on the review. However I was told that they could n't help. The review is not allowed to be reopened since it has been done already even there is a mistake on it!!! What a stupid excuse it is!!! I just lost XXXX points because of a careless review which is unable to be fixed? That sounds NOT right to a premium customer and it is not a good service that a financial company is supposed to be having. I am paying {$470.00} premium a year for the product but could n't get any good quality services?? What a joke! The experience I had is totally a market phishing. I am feeling I am cheated and once you cheated your customer and do n't expect the trust anymore from them. I will quit and please do the right things at least and give my points back!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 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 Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

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 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed with XXXX and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with Experian but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The balance from the Docs sent me as of XXXX/XXXX/2016 {$5600.00} in on XXXX XXXX I made a payment of XXXX dollars and today another payment of XXXX dollars, however since i received no statement in the mail I called today to inquire of the balance and was told that after today 's payment of {$500.00} the balance was XXXX dollars, clearly something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Shopping for a loan or lease

Complaint: Santander Bank has issued loans to someone else using my identity, I lost my wallet in XXXX several years ago and I have had several issues with ficticious accounts. I called them after receiving my credit report XX/XX/XXXX, and seeing this. Once I called they recorded my number and now they call me everyday on my new number. These account were opened in XXXX. I reside in XXXX. I even told them this. they said they would investigate however i just ran a copy of my report again and now it reporting as charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have a ongoing dispute that was file in XX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.

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 08/14/2017 about Debt collection (Medical debt) with Grant Mercantile Agency (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received documents forwarded by CFPB and had my Lawyer over look the documents.
I was informed your company documentation 's was missing a valid contract, consisting of Mutuality of obligation. And theirs no clause permitting the original debtor to charge interest to the debt, including collection agency. FAIR DEBT COLLECTION PRACTICES STATUTES, states Statutory penalty. The general rule is that private parties may not impose penalties. Only governments could impose penalties. Now, statutes sometimes allow private parties ( such as credit card issuers ) to impose penalties, but unless specifically authorized by statute, a penalty ( such as an extra charge for doing or failing to do something ) is not lawful or recoverable.72 Prejudgment interest is an element of damages that is subject to and limited by legal rules. For instance, if the prejudgment interest rate is not specified by contract, a debt arising from a loan of money bears interest at the rate of 10 percent per year after breach, 71 Their is no contract to be breach, only a service agreement with no obligations financially, penalties or payment dates.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I placed order XXXX cell phone on XXXX/XXXX/2014 through web & I received the phone on XXXX/XXXX/2014. Then I returned that wireless device to local XXXX wireless in XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2014 within 14 days with restock fee {$35.00}. And I contacted XXXX Customer Service. But this company has afflicted me by continued attempts to collect debt I do not know. So I had called Customer Service a lot and I had spent my time too much. To make matters worse, I have had to be exhausted by XXXX debt collectors over 1 year and 4 months. Therefore I am claiming my case to CFPB. I still have a receipt to return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XX/XX/XXXX.
Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.

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 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian did not properly investigate very serious FCRA violations concerning a negative account that is illegally reporting past the 7 year statutory reporting period. The account is XXXX XXXX, account number : XXXX. This account was due to be removed from my credit report on XX/XX/2016 yet somehow Experian recently investigated and updated my report verifying this false information. I have attached a copy of my XXXX report which clearly shows that the account was due to be removed XX/XX/2016. Experian does n't even list the date the account is scheduled to remain on record, allowing this account to continue to be illegally re-aged. I have also attached the page of my Experian report which shows the updated results that they supposedly verified this account, regardless of the fact that it is past the 7 year reporting period. This account was removed from XXXX and XXXX months ago. Please note the remarks on my XXXX report which states : Estimated Month and Year this item will be removed : XX/XX/2016

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 04-06-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/XXXX, a dispute on a collection was placed with Central Financial Control in regards to medical bills placed on my credit reports by this company. I received proof of medical bills on XX/XX/XXXX a week after the 30 days they were allowed to prove this information. The letter is postmarked for XX/XX/XXXX, however it took over a week and a day before I received this letter in the mail. In the letter proved they showed the hospital I owe a medical debt including the hospital bill, my child 's medical record number, dob, and access to her medical diagnosises. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my child 's current or prior medical providers to release any of my child 's medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. I would like to see a signed agreement with this third party showing I owe this debt to their company after it has been sold by the hospital. They also stated they will have a cease and desist unit as well as damage my credit and will not delete as it is not warranted. However, this deletion is warranted as they have validation my child 's HIPPA rights in order to collect a debt as a third party. There were no agreements or signatures I signed with this company as it is unfair, I should not have to pay for a debt that is not owed to them when they are not the orginal debt collectors. I demand deletion on all debts associated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage company lost a wire transfer that was suppose to pay off my mortgage loan. The wire was sent on XXXX XXXX and it cleared on the XXXX of XXXX, however Ditech has no record of the payoff or wire transfer. Multiple times, Ditech has been contacted by both myself and the escrow closer but they were less than helpful and no one knew anything. They have no record of previous phone calls or conversations. They were suppose to investigate this matter almost a month ago but has done nothing. When I received a mortgage bill, I contacted escrow and my realtor right away. I am still getting mortgage statements when I have sold the property almost 2 months ago. Ditech needs to find the missing wire transfer and payoff my account. They lie to me on the phone multiple times and I feel they are theives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: I XXXX XXXX filed an possession complaint against XXXX  XXXX in 46th district   court a hearing held Wednesday. He produced what appeared to be fraudulent purchase agreement and closing papers. Lied for the second time and claim he never seen me until as he claims bought the house in XX/XX/2009and he do n't know XXXX XXXX the realtor of XXXX XXXX. Was accompanied with his true wife a old lady not his daughter XXXX XXXX listed on the deed. 
Do your chase research department show a credit sale of XXXX to XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, oh by XXXX XXXX and his daughter XXXX XXXX XX/XX/2008, XXXX illegal immigrants?

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I was contacted on my cell phone on XX/XX/XXXX and a message was left by someone identifying themselves as " XXXX calling from US Bank on behalf of XXXX XXXX '' and asked me to contact her at XXXX and provide reference number " XXXX '' I did NOT return this call. 
I then received a letter in the US Mail on XX/XX/XXXX that was dated XX/XX/XXXX with the only letter head identifying : " XXXX XXXX '' at XXXX. XXXX XXXX XXXX, ND XXXX. 
The letter informed me that they had received an application for an account with my name and personal information on XX/XX/XXXX via the internet. 

They then identified themselves as : XXXX W Fraud/Risk Analyst Toll Free XXXX ext XXXX Fax XXXX I did NOT call them but did call the Fraud reporting line at US Bank Credit Cards and they verified that none of the numbers in the above letter are in their data base and they believe it is likely fraudulent. 

On the internet search I made it appears that MANY people have received phone calls from the XXXX number listed above. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received notification of my right to dispute this debt. This company reported this account to the credit Bureaus without notifying me and providing me the right to dispute this alledged debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation