milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I se e Wells Fargo c losed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  0.0 bala nce then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on   XXXX   with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo resp onse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone nu  mber ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active Foreclosure '' as my home   was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo while I was going though their modification process? yet another false statement.      3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells did not try too hard to reach me as I called their POC    XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned   XXXX   XXXX   XXXX   letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.

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 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The apartment bill me a year after i moved out.They bill me for about {$2.00} XXXX and said i did not pay rent.I gave them a 90 day written letter, turn my keys, and i got a walk thur letter.I even gave them my foward address which is my current address now.The said i was evicted and did not turn in my keys.That was not true i follow all the rules of the lease ending.I have been writing them only get dead end and lies.I need help get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with RFNA, LP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls on my cell phone for someone named XXXX. I nor any member of my family is named XXXX. I nor any member of my family have ever done business with Republic Finance Company. I have repeatedly told them this and told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has reported total of {$550.00} unpaid debt owed to XXXX on my credit report. I have tried to resolved this issue without any success. I did not purchase a XXXX phone in XX/XX/XXXX as reported by XXXX XXXX. I indeed own a XXXX phone but it is part of a family plan established by my husband in XX/XX/XXXX. This is and has been my only XXXX phone in the past 8 years. I would like for XXXX XXXX to please remove this inaccurate information from my credit report file. 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 explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i keep getting calls from collection agencies in reference to a balance. 
i received the first call in XXXX of XXXX fax them my bank account proof they said they will correct. 4 month later it 's back on my credit report from a different agency did the same thing now over a year later it 's back on my report this will be the third agency not sure XXXX they do n't notate and they keep selling the account. i currently have XXXX again in florida my account is up to date how can i have a new account if a owed a balance. i would like to get this issue rectified and fixed once for all Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent them request for more information regarding the debt they claim I owe them but they have ignored me letters. I have finally sent them a certified letter ( XXXX ) and waiting. I have disputed it with the credit bureaus but they did not remove this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Quite unsure why i have loans open under my name for a vehicle that i did not purchase

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (CO).
Issue: Application, originator, mortgage broker

Complaint: This lender used unethical practices to secure a fraudulent pre qualifying letter, paying for inspections, home appraisals, and earnest money, and then the weekend before closing telling us we did n't qualify for a mortgage. This lender has affected multiple individuals in the real estate sector, and consumers. The lender and the company was very unethical, and cost us much money. I expect to be paid full restitution of damages. This place is horrible, very disrespectful, and unethical. They should n't even be open for business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with Midstate Collection Solutions, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN FL XXXX COMPLAINT, # 1 MIDSTATE REPORTED PAYMENT OF $ 20.00,XXXX DID NOT HAPPEN, COMPLAINT # 2 MIDSTATE IS REPORTING THIS AS JOINTLY WITH MY XXXX, NOT TRUE, SHE HAD HER OWN INSURANCE. 
COMPLAINT # 3 FROM XXXX/XXXX/XXXX THRU XXXX SERVICE GHARGES WITH NO EXPLAINATION OF CHARGES. COMPLAINT # 4 WIFE ACCOUNT AND MINE ARE REPORTED AS THE SAME #.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I already disputed this on XXXX/XXXX/2015, but the creditor came back with a form letter response. I do not feel like it was addressed properly. Residential Credit Solutions was in error with their reporting of my credit history. I felt they used unfair practices to create late pays and fees. They 're not helpful when I call to discuss. They changed my ESCRO account minimum threshold years after I was into a loan. That 's what caused a series of late pays that was eventually corrected, never to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sent me to collections with Franklin Collection Services based on a {$25.00} debt I do not owe on an account I closed over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Attached CFPB response by XXXX states they can not validate debt providing the original terms of offering because account was opened in 1987. Account has been charged off. See attached Truth in Lending Act requiring creditor or debt collector to provide copy of written agreement that created this alleged original requirement to pay. XXXX continues to collect this debt that I never agreed to pay. See attached letter attempting to collect debt. I demand this harassment and continued violation of my consumer rights to be stopped.

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 03/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: I was charged {$1.00} from " XXXX XXXX '' on my Macy 's credit card. I never enrolled in life insurance with them, and have n't seen this charge before. It is considered a " credit life insurance fee ''.

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 09/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Credit line increase/decrease

Complaint: I applied and was awarded a Bank of America Platinum MasterCard in 2013. They approved and awarded me a credit limit of {$10000.00}. I have paid consistently without incident. Now they have dropped my limit to {$8600.00} which has impacted my credit score because I owe {$7500.00}. So instead of being {$2500.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Bank of America increase the limit back to {$10000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I attempted to purchase a new XXXX from XXXX XXXX XXXX, XXXX XXXX, CA. The loan was closed and the vehicle was delivered. Subsequently, I received paper work from Ally Bank saying the loan was denied, however, they sent an invoice for the first payment. I met with XXXX XXXX, finance manager, to ask why I have a loan that was denied. He said he made a call and got it approved. Told him had I been notified that the loan was denied I would have not completed the transaction. His comment was you wanted a car and I got it for you. Told him I would have walked. He did not want to discuss it any further and said the conversation is over. Told him I filed a complaint with XXXX and he will talk to them. He asked me to leave. The problem is I am XXXX years of age. Had he told me that I was not qualified I would have walked. In an effort to refinance the auto loan I contacted 12 lenders. I have been turned down by all. I submit he took advantage of a senior citizen to generate a commission for him and a sale for the company. Please note I have 2 separate letters from XXXX XXXX   denying the loan and one invoice. It is my opinion the loan is fraudulent and should not have been made.

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 12/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NJ).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: The prepaid card that is giving me issues is XXXX. They blocked my card 3 times!!!! And promised me that I wouldnt have the issue again after the first time. I had to miss work because all of my money is on my card I could not feed my daughter or put gas in my car 3 days in a row. My missed days from work is Thursday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also XXXX $ late fee has been added to my rent because it was late because I could Not get the money order because my card was block. I have documentation on the 3 times that my card was blocked, the three times that it was U blocked being promised that the issue was fixed along with my pay rate for 8 hour day for two days and my late fee for my rent I would like to be REIMBURST for all the money that was messed up due to THIS COMPANY and I am canceling after my Last direct deposit! I also have recorded conversation with the XXXX employee reassuring me that it wont happen again! But it did

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 09/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reviewed my credit report and notice several errors. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ). There are several unauthorized inquiries reported to the Credit Bureau. I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Equifax a notice to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: NATIONAL CREDIT SYSTEMS is reporting false information on my credit files. I have requested that they validate and the alleged debt but to no avail This is not my account and i did not rent an apartment, i request that this account be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received court documents this morning as a result of a credit card debt with Capitol One Bank. The amount that is listed on the court documents is about {$400.00} higher than my last statement with Capitol One, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed Capitol One several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with Capitol One Bank and I am willing to work with them to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with Synovus Bank (CA).
Issue: Closing/Cancelling account

Complaint: In XXXX of XXXX I closed my credit card account with First Progress. It was a credit card account which required an initial deposit of {$300.00}. At the time of closure I had a zero balance. I called customer service and confirmed that the balance was XXXX, requested to close the account, and I verbally requested an immediate refund of the initial deposit amount of {$300.00}. The customer service person stated that I would have to fax over a written request for the deposit money to be returned immediately. I faxed over a written request for the immediate return of the initial deposit money. I received confirmation from First Progress on XXXX/XXXX/XXXX indicating that they had closed my account as requested. Greater than eight weeks have passed and to date XXXX/XXXX/XXXX No refund of my deposit has been issued. I am requesting that my refund be issued immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I took advantage of a 0 % balance transfer offer. I have been making my monthly payments as required. I have continued to use the card for miscellaneous monthly expenses. My monthly payments have been enough to cover the minimum payment due in addition to the monthly misc. charges and a large chunk of the balance transfer. The credit card company has been charging me interest every month on the miscellaneous monthly charges. It was my understanding that my payment amount would be applied first to the monthly minimum, then to the monthly charges, and than to the balance transfer. I should not be charged interest if I am paying those monthly charges in full each month. However, The bank will not credit me those interest fees.

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 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aspen National Financial, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We were late on a membership fee to our timeshare with XXXX XXXX but have since paid what was due to XXXX. An outside collection company called Aspen National Collections which we have no business affiliation with, keeps harassing us for some fee they trumped up of {$53.00} for their services. We do not know who this company is and have advised them multiple times to stop calling us. They continue to harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian &   XXXX    Credit Reporting Agencies are re porting inaccurate credit information on my credit file regarding  5     XXXX   XXXX   XXXX   XXXX    XXXX  accounts. Their reporting that my current payment status is  120plus da ys past due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the    XXXX   XXXX   XXXX   XXXX     XXXX   for the information to be corrected to no avail for the past 3 years.

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 06-09-2015 about Credit card () with REGIONS FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: The company has charged us a " Customer Report Fee '' of {$50.00} which we did not request or authorize. This fee is a scam and we refused to pay it. As a result of our refusal to pay this improper fee we were levied another fee of {$75.00} which was labeled as a " Late Fee on Previous Invoice. '' A total of {$250.00} in improper Customer Report Fees and Late Fees on Previous Invoices have been charged.

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