milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: On XXXX XXXX, XXXX, I received a XXXX notification that an account had been opened at XXXX XXXX XXXX XXXX XXXX BB & T ) XXXX Texas branch using my social security number. Immediately XXXX attempted to contact BB & T, but no calls were returned. A couple of weeks later, another XXXX notification indicated some account activity at that branch. A three-way conference call between myself, XXXX and " XXXX '' from the XXXX XXXX took place and the issue was discussed. XXXX said she was unable to determine or view which documents were used to verify identity and open the account. 
a. I find this response odd as identification should be provided when an account is open, and this information should be accessible by parties in the bank with high-level access. 

During the call, I was assured that XXXX would contact the person who opened the account and that verification would be determined. She was to return my call within two days.
Three days went by and I had not received communication from the XXXX XXXX, so I called them back. 
XXXX told me she was 'meeting the client that night after hours to verify identity '' and that I would be called back the very next day! 
a. I find this statement odd. Since when do bank managers meet clients after hours to verify the identity of a person when it should have been provided when the account was open? 

Now four more business days have transpired and there has been no contact in any form from BB & T. I reached out again today to speak with XXXX and was told she was out of the office until Thursday. 

It is VERY frustrating that an account can be opened using someone else 's SS #, and that the complaint of such activity has to be escalated to this level. My experience with banks and credit unions are that I always have to provide identification, and that information is kept. I see no reason why the XXXX XXXX can not explain how my SS # was used and that proper identification was not gathered.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian continues to let XXXX XXXX XXXX XXXX put new negative information ( NP as of XXXX XXXX ) on an account that is clearly marked closed and was closed almost 2 and one half years. In XXXX I tried to handle this with the Bank and Experian. In XXXX I filed a complaint with YOU and Experian and the Bank. I was assured it would not happen again. On XXXX XXXX, XXXX Experian allowed XXXX XXXX XXXX XXXX posted a new NP ( Non Payment, the most harmful to credit score ) for the month of XXXX on the CLOSED ACCOUNT.. The loan was a V/A. Mortgage that I was foreclosed on. So XXXX XXXX XXXX XXXX was made whole to the tune {$60000.00}. grand and the V.A. bought the house at a price to make them whole and make about 10 Grand. Despite this XXXX XXXX XXXX XXXX has continued to harass me by making false claims on my Experian Credit Report and it appears Experian is in on the harassment.We lost personally over {$50.00} XXXX on this house. The V.A. appraiser and the seller were fishing buddies. The seller bought the house back after foreclosure for {$170000.00} and we paid {$240000.00}. We tried to get a HARP but XXXX XXXX XXXX XXXX  hired the same man to appraise the house. He did not want us to get a HARP so we could stay.

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 09-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the process of completing a modification agreement with the lender, Wells Fargo Home Mortgage, loan # XXXX. As part of that process, Wells was to automatically withdraw the second of three payments from my checking account on XX/XX/XXXX. On Friday, XXXX/XXXX/2016, I checked and the payment still had not been withdrawn from my account. I contacted Wells Fargo and was advised that my loan and the attendant servicing had been sold to XXXX. At no time had I received notification of the sale of my loan and in particular I did not receive any notifications at least 15 days before the effective date of the transfer or XXXX/XXXX/2016. No electronic, telephonic or written communication was received. Wells provided the contact number for XXXX and the account number that XXXX has assigned to my account. I contacted XXXX on XXXX/XXXX/2016 and they confirmed that my loan had been sold to them and they confirmed that my modification agreement would be honored. I have to check on XXXX/XXXX/16 to determine if the second payment is withdrawn from my account and if not, I will have to contact them and make arrangements to have the second payment withdrawn from the account and establish an autowithdrawal capability to pay the mortgage each month on the first of the month. Wells did not provide any of the auto withdrawal information I had established with them. In speaking with the XXXX personnel, she advised that they had received many calls from individuals having Wells mortgage loans sold to XXXX and no notification was provided advising of the sale of the loans. Required good-by transfer letters were not sent in accordance with established guidelines.

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 09-12-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage had been in bad standing for several months due to some life changing event that included husband being laid off from work, martial separation, and daughter stating school. Green Tree had been contacting me extensively and I kept informing them of my issues at home. At one point I was 2 months behind and a person from Green Tree left a letter on my door asking for me to contact Green Tree. I then contacted them and was informed that I needed to submit a complete package of bills, paystubs, and letter informing them of my recent changed. I then called to follow up with Loss Mitigations and was informed that my case could not get reviewed until my account was current. I would ask for the Loss Mitigations phone number and was informed that they could not speak to me until my account was current. I then took a loan out in order to may my account current and not get forclosed as I was told by Green Tree and then called back once again to see about my Loss Mitigations case and was told that it was closed and could no longer be reviewed because my mortgage was current. A few months later I called back once again to see about reducing my finance rate and was asked to fax several documents. I had to pay a fax service {$30.00} just to send all of the information needed. I was then informed once again by Green Tree that I did not have any options available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Home Mortgage refused to allow me to audit and make a validation of debt claim prior to foreclosure. The reentry department will not send information regarding the loan per my request to validate the loan. The debt letter dated XX/XX/XXXX which gives me thirty days to dispute the debt. They immediately sent my file to foreclosure before allowing me to obtain access to relevant information to dispute such claims. I received a packet from XXXX XXXX today with loan documents only portions of the information requested in my validation to support the debt. Wells Fargo Bank refused to postpone the foreclosure and allow me time to review the documents. I received some of the documents requested on the day of foreclosure. I have submitted three requests to all allege parties to supply sufficient information pertaining to my loan. The office of President staff, XXXX XXXX XXXX, also refused to send me information from the inception of the loan to present. Also, a request for a affidavit was requested, Wells Fargo has refused. Wells Fargo refused any supporting documents prior till XXXX to support there claim of foreclosure. There have been account numbers changes recently at the time of account sent to foreclosure, the service lenders name changed without proper notification. Wells Fargo Bank does not have any of my records prior to XX/XX/XXXX to show claim to foreclosure scheduled XX/XX/XXXX. Alleged attorney sent a XXXX packet sent to my home on the day of foreclosure to validate the debt, nor does this allow me sufficient time in order to audit, review and dispute any issues to this claim with Wells Fargo Home Mortgage. The balance that the allege attorney differs from the amount Wells Fargo states I owe. The payment history XXXX XXXX provided verbally was also discrepancy

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 01/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My house in Florida is pending foreclosure ... I am trying to sell it ... My attorney and I have written Nationstar Mortgage and in two months ... they have refused to provide the payoff amount ... they prefer to seize the house and sell it at auction

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: I am requesting a modification with a 2 % interest rate. I have already submitted an application for modification and it has been over 60 days. Please process my application for modification and provide me with an approved modification asap.

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 04-10-2016 about Debt collection (Federal student loan) with NELNET, INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX/Nelnet is reporting XXXX XXXX + late payment accounts to XXXX, XXXX, XXXX. The dates they are claiming I owe for is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was in XXXX school during some of the above mentioned dates and I graduated in XXXX, for the remaining dates I was in XXXX XXXX so no loan payments were due during those dates. My loans have always been in deferment. I have called several times and also have sent them a letter asking them to update the incorrect information they are reporting which is damaging my credit and and credit score but to this they still have not updated the information or provided any proof that the payments were past due or even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on Experian few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX , XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Stated on Credit Report on XXXX : Collection Company : MIDLAND FUNDING LLC Original Creditor : XXXX XXXX XXXX Balance : {$3800.00} I keep seeing this item on my credit report which is severely hindering my chances of getting anything approved and I have reached out to Midland Funding and the Credit Bureaus - non of which have been able to validate the debt but they sending me letters that I owe this debt. <P/>I do n't even have an account on my credit report from XXXX XXXX XXXX, but yet Midland is collecting on a balance that is not mine. <P/>I 'm desperately requesting that this collection item be proved and removed from my credit report because it does n't belong to me. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: Business account with Sun trust linked to credit card was placed in overdraft status due to problem with credit card syst em Being offline. 

As a result My account was charged over {$700.00} in overdraft 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 02/20/2017 about Credit reporting () with JPMORGAN CHASE & CO. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I wanted to inquire about the Chase violations of billing practices. Since XXXX I have been attempting to resolve the amount that was placed in collection total amount $ XXXX.However I have not been able to get a determination of who is the collection agency is. My acnt opened XXXX ; Closed XXXX ; Reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Utility company billed me for an account that I never had. I did not own, rent or have any business with the account service address.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDER LIVE (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Lenderlive has reported the one payment covered by my bankruptcy as a late payment n umerous times on my credit report, lenderslive,   XXXX   XXXX    XXXX   XXXX ,  XXXX , Colorado  XXXX , telephone #  XXXX , the dates reported are from  XXXX  to  XXXX . They show on my credit report as LNDERLIVE  XXXX . My bankruptcy was in   XXXX   for that one payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Repeat ly calls 7 days a week 6 times a day for months this is my work ph and I asked to stop and they refuse and I am not even behind I have XXXX payments left

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 04-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Lender refuses to postpone foreclosure sale to complete loan modification review. Lender claims that they can not modify loan because it is an equity loan and under Texas law these loans can not be modified. Lender ignores that XXXX XXXX XXXX, et seq. supersedes state law.

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 04/13/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I checked my credit report at a mortgage lenders office. A TransWorld Systems has reported a delinquent collections from a medical bill in 2011. I called to settle this issue. They claimed that " the client '' does not offer settlement options and I need to remit the full amount of {$940.00} ( {$220.00} from XXXX/XXXX/2011 and {$720.00} from XXXX/XXXX/2011 ). I called the " client '' they mentioned to discuss repayment or settlement options ( the hospital ). They informed me that it was well past the statute of limitations, it is an old bill, and it has been deleted and is no longer in there office. At this point I called TransWorld back and relayed the information and continued to offer a settlement in order to close the debt with a one time {$500.00} Visa payment ( over 50 % of the original amount ). They continue to tell me that " the client '' does n't offer settlement or does n't have settlement guidelines. When I called the hospital back they informed me that they do not even work with this organization anymore ( TransWorld ). I 'm simply trying to to take care of this the best I can and it seems they continue to feed me false information on the origin or settlement options of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Medical) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine it 's my daughter, I spoke with XXXX @ XXXX and was told that this debit should be my daughters XXXX for her child XXXX but somehow it was on my report, The young lady by the name of XXXX states she would have this debt removed but it still on my credit report from IC Systems.

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 08-07-2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX, XXXX I received an email thanking me for a recent purchase from my Best Buy credit card. I immediately contacted Best Buy and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX Best Buy deemed it fraud and canceled my Best Buy credit card and issued me a new one. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX eastern time. I was shocked as he informed me he was collecting a debt on behalf of Best Buy. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " Sir, if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my PO BOX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with Citi-bank who owns the Best Buy credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.

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 12/16/2016 about Debt collection (Non-federal student loan) with Patenaude & Felix APC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.

Company response to consumer: Closed with explanation