milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: XXXX as part of an XXXX XXXX, 2015 refuses to remove erroneous and fraudulent items from my credit report, a report that has several names which are not mine, a birth date that is incorrect and several address 's and judgements which are not mine. 
this account is not mine and I demand it be removed : WELLS FARGO BANK XXXX ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: requested to have items that have been closed and/or sold or transferred removed from my credit report and some addresses deleted. they are refusing to remove even after providing information that these accounts are closed or the company no longer has them. please assist. This was submitted to all XXXX bureaus with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: A duplicate charge of {$89.00} from XXXX XXXX occurred on XXXX/XXXX/2016 ( original charge posted XXXX/XXXX/16 ) and multiple disputes were submitted by the primary cardholder ( XXXX XXXX XXXX, her son XXXX XXXX ( who has POA ) and her daughter in law ( XXXX XXXX XXXX who was added as an authorized user to Citi Card account ; however, the final resolution was that sufficient information was not submitted by the response date even though verbal contact was made 2 days prior to final letter was produced inquiring what other information was necessary to resolve the dispute.

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 02/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I unfortunately needed XXXX more loans to continue my education. These ended up being private loans.These loans were first originated through XXXX XXXX and changed over to Navient. Since getting these loans in XXXX/XXXX I have not been able to lower my interest rate. My rate is 9.75 % and was told that was the rate and no change of lowering it due simply to the fact that they are " private '' loans.

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. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been member for XXXX and Equifax and now weird inquiries in my account and not feeling safe with my information with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: A CASH deposit was made into my Bank of America account and I am not able to access the funds the same day. This is outrageous. CASH deposits should be made available immediately, not the next day. It is not right for Bank of America to hold my cash for a day for no reason. This is beyond the pale of reason.

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 06-10-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I went to a XXXX. I took out a private loans that the school owns. I transferred to another school my XXXX semester because the other XXXX school had XXXX loans. while I was in XXXX at the new school my XXXX loans were now in repayment I was thought that while i was in school my loans would not be on repayment. I had XXXX more years of XXXX. I am now in default for XXXX loans with XXXX. I just graduate XXXX XXXX,2015. I did not get into XXXX. I am currently looking for a job.My mother has been paying {$50.00} a month direct deposit. AES took out over {$3000.00} without my monther permission

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I moved a month ago and the post office is forwarding all of my mail. 
Apparently a bill from XXXX XXXX XXXX was never forwarded and I was reported to the Better Business Bureau. I find this unfair because they never tried to reach me and I always have paid my bills. 
I gave them my checking account to pay the balance in full and they refused to remove the complaint from the BBB. 

Thank you, XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX has called and harrassed me several times since XXXX about a credit card that I reported stolen to them. They did nothing about it. I was living in XXXX XXXX at the time. I moved to XXXX, and they somehow gained my address and phone number and continued to call and harrass me. They started to threaten to sue me. The debt is well above the amount of credit which the card was issued. On XXXX/XXXX/XXXX around XXXX, someone came banging on my door to serve me with a lawsuit. I was told that there was nothing for me to sign and I was not gicen a name of the delivering individual. After viewing the paperwork I also noticed that it shows that I am married. I never have been married, nor have I told anyone that I was married.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have fraudulent and unauthorized credit inquiries listed on my Experian credit report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017

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 10-04-2016 about Debt collection (I do not know) with Northstar Location Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Northstar Location Services continues to call despite the have the wrong person. I 've told them they have the wrong person ( same name, different DOB ). They ca n't find the phone number they are using to contact me. I 've told them this twice and I continue to receive daily or multiple calls a day. This is harassment.

Company response to consumer: Closed
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am being collected from XXXX different companies for the same exact debt. I have tried several attempts via mail and over the phone to resolve this and the debt collection company National Recoveries are lacking in a lot of areas. They refuse to listen to anything I have to say and keep trying to tell me its a different debt but can not prove it. I asked for proof of the debt and they sent me bogus papers that have NOTHING to do with the debt they are collecting on. I have printed up all of my documents to prove that the amount they are asking me for is currently through XXXX and I am in good standing with XXXX. I had a subsidized and un-subsidized loan somehow end up in a consolidation loan with XXXX/ XXXX , this was not in anyway known from me, since the information they provided to me is not mine other than my social number and the name. None of the addresses or phone numbers matched, besides the point, I worked out a plan with Navient years ago and now National Recoveries is claiming I owe them either the subsidized or un-subsidized portion which they still wont tell me which one. They lack in proving what exactly the total amount is that I owe them for, not how much, but for. I want them to disregard the debt and look at the documentation I have from XXXX, showing XXXX is in fact collecting on both of these debts. I am a XXXX and have 2 more years to go, if they even tried to get one cent from me, they 'd be wasting their time. Its a crime to attempt to collect the same debt and they need to be prosecuted for their actions. They are also alleging that an amount of {$2600.00} was taken then refunded back to me from US Dept of Treasury, this is FALSE, I have proof, documents that my identity was stolen 3 times in past 5 years, the amount mentioned above, is from the person who stole my identity, that was refunded back to that person, not me. Where they get their information from is terrible. I have police reports and letters from IRS proving I have been victim of identity theft several times.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 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: Information belongs to someone else

Complaint: I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXXl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX SXXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX XXXX of XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX  XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX FXXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX - ID - XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Sir or Madam : This item American Education Services/XXXX XXXX ( AES ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXXwhen I contacted AES/XXXX XXXX at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get AES/XXXX XXXX to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

AESXXXX XXXX also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted AESXXXX XXXX and asked them to remove the account form my credit and they refused. I filed complaints with the three credit  reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to AESXXXX XXXX and XXXX detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX Payment History and Bill Payee Account Info ; XXXX XXXX XXXX Call Logs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (SC).
Issue: Managing the loan or lease

Complaint: During deployment turning in my SCRA documents was misleading and stressful.I did n't get info to do so until I was XXXX and away from home. I 've tried contacting the company to make payments.Back in XXXX I even had a customer service agent take XXXX payments without permission resulting in bounced checks and over drafts with my bank. I have to get a new bank account because of this so I could pay bills. I was told my account is under audit and I could n't getme account info or make accept payments at the time. I had the we can take payments / we will differ a paymen to help you catch up a few time while deployed. Then I 'm in Texas going through my XXXX when I finally get help from someone. At that time I 'm told I 'm XXXX payments behind! I 'm told they can differ a payment and help me get caught up. Before that could happen though they would have to take a payment to keep me out of repo and call me back about the deferment. i was never called back again except for another payment. To where at the beginning of XXXX I made a payment around the XXXX and setup XXXX for the XXXX. This was going to get the current for the month of XXXX. Meaning I still owed a payment for the XXXX XXXX payment date. I tell the customer service agent that as of XXXX XXXX XX/XX/2015 I 'm off active orders and told him I would try making both payments XXXX XXXX. He assured that will get on track. XXXX XXXX I get XXXX letters XXXX stating my intrest rate changed and a bill dated XXXX/XXXX/XX/XX/2015 that I now owe XXXX by XXXX/XXXXXX/XX/2015 and my payment is in collection. I called and was told a manager would look at my account and call me back XXXX XXXX of XXXX. XXXX XXXX I 've had to call them. Collections tells me I owe XXXX and they transfer me finance. I 'm told my account has never been audited and my payment is n't XXXX ( results of a " descrepancy from a retina audit '' letter sent XXXX ) it 's not XXXX per the bill sent XXXX. Actually it 's XXXX as of XXXX w/ XXXX as current owed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Privacy

Complaint: On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system. 
Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt. 
I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the " rewards card ''. 
In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who " convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors. 

XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and TD Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives. 

Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and TD executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts. 

Please see all problems with the RED Card accounts. 
XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently paid additional principle on my home mortgage loan. After the additional principle payment the total balance of the loan is approximately 40 % of the appraised value. My mortgage company ( Penny Mac ) refuses to remove the PMI until 2 years from now. because that is the estimated date that the loan value would be below the required 80 %

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections of America, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a notice from the XXXX dated XX/XX/2017 that I had XXXX parking tickets that I was on the pre-boot list, and to contact Municipal Collections of America XXXX Inc within 21 days to dispute the validity of debt, and that I will have the option to request a hearing. I contacted Municipal Collection of America on XX/XX/2017 and was advised that I owe tickets to the original creditor XXXX and that not only do I owe the amount placed with their office, but I must pay Municipal Collection of America their collection fee in addition to the debt placed with their office. I question if it was legal for their office to add a collection fee, and the representative advised that she could not confirm if the additional fee charge by their office is legal, and that no one in their office including management could confirm if the fee their office charged to the residence of XXXX was legal. I advised the representative that I dispute the additional fees added, and one of the tickets that I was not aware of which is a red light violation. The representative advised me to send it in writing which I sent via email on XX/XX/2017. I left a message within another department of Municipal Collection of America to dispute the validity of the debt, and requested a itemize statement that included Municipal Collection of America fees so that I can confirm if this is legal with my local Attorney General XXXX office by filing a Consumer Complaint. Today XX/XX/2017 I was contacted by Municipal collection, and received a voicemail to contact XXXX regarding this matter. 

Municipal FDCPA Violation : No Foti message left when leaving a voice message on a Generic Voicemail by XXXX 

Municipal FDCPA Violation : Upon Contacting XXXX Failed to validate identity, and to disclose the Mini Miranda during 2 point of communication contacts. 

Municipal FDCPA XXXX : Adding collections fees to debt that are not legal. 

This raises question as to how many other XXXX residents that have paid collection fees to Municipal Collections of America XXXX Inc paid by residents, and non residents. Failure to comply with the FDCPA, and I am requesting an investigation of this company for Illegal Collections Practices. 

Thank you in advance, XXXX Ph # XXXX email : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Closing on a mortgage

Complaint: I got a foreclosure letter in the mail, states, that I was behind on my mortgage and it's up for sheriff sale on XX/XX/XXXX. I called the mortgage Bank company to see what can be worked out before XX/XX/XXXX of the sheriff sale, the mortgage company told me I can try to work out a modification or either a short sale. I then called a realtor to see if they could sale my property, the realtor said they would reach out to some potential buyer 's that they knew might be interested in my property, the realtor reached out and got a respond back, of interest for my property with a offer. which then the realtor called me roll playing the offer and I agreed they follow up by sending me the documentation of agreement to sign, I then signed it and gave back to the realtor for the interest buyer, to get the ball rolling '' to sale ''. the realtor gather up the signed document of the agreement and contract, they send it off to the mortgage company bank to close the deal and the mortgage company bank rejected the sale and reply denied on accountability that it was to close to the sheriff sale date and they will see me in court on XX/XX/XXXX, I was clueless and the realtor was too.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On " XXXX '' website there are several HARD inquiries into my credit by " XXXX ' that are bogus. I was told that they are " AGING '' my accounts fraudulently & do not belong to me because I never asked them for money. PLEASE TELL THEM TO DELETE THIS CROOKED DATA. Thanks for any help. XXXX. 

PS : If they have any documents from the internet those are fakes.

Company response to consumer: Closed with explanation