milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2017 about Debt collection (Payday loan debt) with BTH Management (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX-XXXX 2017, I have sent multiple letters and contacted collection agency via phone, to validate debt showing that I in fact owe them money. I have never had a pay day loan, so when I reached out to them to provide documentation they were very unprofessional with assisting me. 

I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Delinquent account

Complaint: Capital one and XXXX XXXX sold my account to a debt collection and their still reporting to the bureaus

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 09-12-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am unable to verify my identity even though I answered the questions accurately. This has happened with Equifax and XXXX ; I had no problems with XXXX. It looks like someone opened accounts using my information and obviously I do not know any of the information pertaining to the debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (I do not know) with Allied Interstate LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate constantly calls my home several times a day. When the call is answered no one answers on the other end no matter how many times you say hello. When the call is not answered, they leave a blank voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX, XXXX AND INNOVIS TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with FC HoldCo LLC (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016 an unauthorized inquiry was placed on my credit report.

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 01-05-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 I received an email from my local Wells Fargo loan specialist XXXX XXXX stating that he and his manager had called my telephone number and that the person who answered the phone said that I had passed away. This was very concerning to me because I was about to leave out of town for two weeks so I had suspected some identity theft had occurred on my account and that someone was trying to access my funds. I immediately called Wells Fargo customer support to place a full freeze on my account because I had suspected nefarious activity and I also emailed back loan specialist XXXX XXXX to confirm that I was indeed alive and well. 

I am very concerned about what number XXXX XXXX called and if any of my personal details or information was revealed to an unknown individual. I have several loans and a solid business history with Wells Fargo. They have my complete and up-to-date information, including my current telephone number, so I do not understand how and why an employee of Wells Fargo was contacting another individual to talk about my personal account details. Other employees in the past have reached me at my correct number, so there should not be any confusion or misunderstandings. 

I would like Wells Fargo to investigate this issue and give me a full accounting into how this mix up occurred and whether my personal account details have been revealed to another unauthorized individual. I am concerned about the safety of my account and I will keep my account freeze until these concerns are alleviated. If XXXX XXXX called this unknown individual, it is possible that other employees may have as well and could have possibly revealed my confidential details, which is why I am so concerned and I need Wells Fargo to look into this matter. 

Also, is it normal protocol for an employee to email a customer to confirm that they are alive? That seems a little odd to me and I would think that I would be called instead.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is a response to the rebuttal that I received from BBT Senior Vice President, XXXX XXXX XXXX Complaint Resolution Manager. I had previously disputed the unfair and deceptive business practices of BBT. XXXX XXXX said they uploaded the document of Notice of Incompleteness Letter, was uploaded to your online portal on XXXX XXXX 2017, at XXXX. I logged in many times after that date and did not see this letter uploaded to my online portal. Also when they so called uploaded the document what was done to notify me of the letter being uploaded to the online portal? I have emails that documents were available for my appraisal that were sent to my email from XXXX XXXX that were sent to my email address but those are the only notification. My loan officer XXXX XXXX was not even made aware of this notice of incompleteness letter. She extended my rate lock to XX/XX/XXXX and I have uploaded that form in a previous email. I was told if I had any concerns from the letter XXXX XXXX sent to call XXXX XXXX at XXXX. Her office hours are Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). I called and left a message and no response. All of the information BBT has supplied to me does not make sense. If they had the concerns why not call and discuss, I spoke with XXXX XXXX on the phone on X/XX/17 after I had retained an attorney to clear the title issue. I will pursue legal action now. I want to be reimbursed all cost incurred from this failed loan attempt starting with Appraisal fees, credit report fees and difference in interest rate and finance charges. BBT has done nothing but provide false information to CFPB. These documents were not uploaded to the online portal or I would have seen them. I pretty much was logging in everyday. BBT IT systems may not be compliant with current regulation since they say they were uploaded but I could not see them. This process has been a nightmare. I keep filing these disputes since the CFPB looks at trends. Also, the day they canceled my loan all my online documents were no longer visible. This in itself is deceptive since it is information that I have provided and contracts with BBT. Is this a normal business practice or is BBT Mortgage trying to cover something up? I believe BBT was trying to get out of financing a 15 year fixed mortgage at 2.875 fixed for 15 years since the rates have gone up after the election and I could not get that rate anywhere else.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please See Police Report Attached the person was CAUGHT AND CONVICTED

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Chapter XXXX bankruptcy XXXX years ago. I received a loan modification with Chase and kept my house. They increased my mortgage to cover the payments I could n't make, so they are recouping every penny owed them. I noticed that they stopped reporting my on time payments for the last XXXX years to the Credit Bureaus. I 've made every payment since the loan modification on time and in full. They say I have to reopen my bankruptcy and reaffirm. I 've read up on this and that is not in my best interests and there is no legal basis for them requiring this of me. I wish to lodge a complaint against Chase for this. I was part of the huge lay off in XXXX XXXX and applied for over XXXX jobs and could not find anything for XXXX months. The banks caused this and now they continue to hurt us. Can something be done about this as it seems I am hardly alone in this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I dont understand why my loan went from {$5000.00} to {$7000.00}???????? That is unbelievale I can not afford to pay that off, I am currently not enrolled in school and currently not working, I dont know where to get that kind of money?????

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Vehicle loan) with PEOPLES FINANCIAL CORP. (GA).
Issue: Managing the loan or lease

Complaint: In XX/XX/2016 I took out an auto loan with Peoples Financial Company at XXXX XXXX XXXX XXXX, XXXX Georgia, XXXX. I was told by the loan officer XXXX XXXX that they did not have an online payment system set up. I could email him each month with a credit card authorization form and he would credit my account. The due date was the XXXX of each month. I did this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the email was returned saying that XXXX XXXX email account with Peoples Finance was no longer valid. So I went and paid it in person for the XX/XX/XXXX and XX/XX/XXXX payment. In XX/XX/XXXX I went to their location to pay the loan off early thinking I had 5 payments left and a loan officer said I missed the XX/XX/XXXX payment and now had XXXX late fees amounting to XXXX. I said that I had not missed any payments or had been late. They said that the loan officer XXXX XXXX no longer worked there and they were not responsible for emails sent to him. I said that I was doing what their employee told me to do but they said they would not remove the late fees because he did not work there any longer. I tried to talk to the branch manager and he will not return my calls. Ive talked to 2 other people in that office and they tell me that it is my fault that I sent an email to their employee who no longer worked there and therefore missed the XX/XX/XXXX payment. I want my late fees reversed and do not want my credit report to show me as being late on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Experian Credit Reporting service debited my monthly membership ( {$21.00} ) 14 times in one day on XX/XX/2018for {$300.00}.

I called to complain ( where i was in hold For almost 1.5 hours ) and was subsequently promised refund in 2-5 business days. Following week no refund. Then i was finally refunded but for only 12 of those debits. I XXXX my issue on social media ( XXXX ) where i receieved a generic response. Direct messages on twitter followed where i was directed to email their billing address. Then a week later another debit from my account. So that is 15 times in one month.

I have emailed twice now requesting a refund and to cancel membership but no reply. Today there have been a further two debits from my debit card from experian!

I have tried calling today and there was an esimated. 3-5 minuts wait time. I have been waiting on hold form1 hour 21 mins so far!

They have now debited almost {$400.00} from my bank in 1 month. I can not cancel, can not reach anyone to help and i want my money back!!! This is surely a crime?

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 02/16/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (IL).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: I reached out to XXXX XXXX XXXX because my auto loan is 4 months behind and I have retained an attorney and am in the process of filing chapter XXXX bankruptcy. I told them I was voluntarily surrendering the vehicle back to the company and they transferred me to the correct department. I verified my identity and gave the representative my attorneys information and answered all questions in regards to the vehicles location and mentioned it is ready for pickup ASAP. Prior to this call I received numerous calls and emails from a XXXX XXXX with their XXXX XXXX XXXX. Now, two weeks after providing information and requesting the voluntary surrender of the vehicle, I have began to receive harassing messages and calls from XXXX XXXX again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with ATG Credit, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant because I have not applied for any loan ; education/student loans or financial assistance to return to school since 2009. 
Please see the attached affidavit pertaining to the ongoing report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan. I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Simply put, Wells Fargo sent me a letter on XXXX saying that my home loan adjustable interest rate is now 3.00 %, and starting XX/XX/XXXX my adjustable interest rate would remain 3.00 % for a year. On XX/XX/XXXX I received the exact same letter stating that starting XX/XX/XXXX my home loan adjustable interest rate is now 3.375 %. 
I relied on the XX/XX/XXXX letter and did not refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Other

Complaint: I submitted a payment on my credit card at Wells Fargo Financial National Bank. The bank applied the payment to a mortgage at Wells Fargo Home Mortgage that was paid off XXXX years ago. Wells Fargo sent the payment back to me, and Wells Fargo Finncal National Bank is now calling me constantly about the supposedly overdue payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have credit inquiries from XXXX and Experian that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud.

1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I contracted my mortgage company, Wells Fargo Home Mortgage to try to make a mortgage payment and arrangements to bring the loan current. At the time, I was 3 months delinquent. They refused to accept the payment and instead advised me that I have to have all three months at once in order to accept the payment. I escalated the call to a supervisor, who told me the same thing. I advised them I would file a formal complaint because I am trying to give them money and they are refusing it. I was transferred to the Executive Complaints Unit and was advised that I could apply for a modification. I submitted my paperwork and within 2 business days received a call saying it was denied, but that I could appeal. The agent that was assigned to me flat out told me not to bother to appeal because it would not make a difference in the outcome. I had no options but to come up with all of the money to reinstate.

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