milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collection has shown up on my XXXX and equifax that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have westar energy at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for XXXX and equifax to remove this innacurate collection from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent. 

I am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: RE : NetSpend Visa Debit Card - Received yesterday XXXX/XXXX/16 " This replaces the temporary card you recently purchased. '' Did NOT purchase or request this card. Husband 's ID very recently stolen. Thief opened a credit card and XXXX checking accts. in his name ( police reports filed ). Today received unsolicited debit card as notated above. Inquiry to issuer as to how they obtained our personal info and how card was issued without request. They requested verification from us by asking that we confirm his SS no. which we did not provide. They will NOT divulge how/where they came to have this info. We believe ID thief is involved in some way. This company is either highly unethical, fraudulent or both. Although they claim affiliation with XXXX, there is zero reason for them to have access to SS no., etc. We are and have been extremely vigilant re/personal info and handling of credit and would never, ever use such a card - very alarmed here. 
Thank you for your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX,  {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

PNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Under another CFPB complaint, XXXX XXXX had gotten information from Equifax although I had not applied for a XXXX XXXX, which was done fraudulently by XXXX. 
XXXX XXXX sent me a denial letter based upon information garnered from Equifax. 
I have tried several numbers given for Equifax , but in the end, the prompt transfers me to a fast busy signal ( essentially cutting me off ). This constitutes a refusal to provide me a free copy of the report that XXXX XXXX viewed fraudulently and denied credit based upon the fraudulent event. Since I am in a posture to obtaining a XXXX mortgage, the above stated could injure my reputation and credit, as well as interfering with me ( XXXX Veteran ) in garnering a home to live, which in the end could lead to homelessness in my last years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was steered into forbearance instead of being given clear alternative repayment options. After two years of forbearance, I now have an income driven plan but with much more accumulated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Late fee

Complaint: I have XXXX credit lines with Capital one all were on ACH. For some reason - XXXX of my cards is n't on ACH all of a sudden and then I received an email this morning relating that I missed a payment ( Discovered later on my own - Capital one CS could n't explain this to me ). No calls or emails were sent indicating i missed my late fee until just now, which was stating i was n't eligible for a credit line increase for 6 months. They also charged me a XXXX fee. When I called the customer service line and indicated that I made my payment through the application she just continued over and over to ask if I wanted to make the payment. I indicated to her that I had ACH and wanted to understand why they did n't draft and that all my accounts were on ACH and that I pay much more than the minimum monthly ( Just paid XXXX on another capital one card last week ). She continued to just ask me if I wanted to make a payment and that they could n't retrieve my funds ... I continued over and over to ask " WHY '' you could n't retrieve my funds. There was more than enough for the minimum payment to draft from my financial institution. Again she said that she did n't know and if I wanted to make a payment. Clearly I was becoming frustrated so I asked for a supervisor. She transferred me to a phone line that indicated they were closed ( Calling Monday XXXX XXXX 2015 @ XXXX XXXX EST ). The rep just xfered me over and the line states to call back after XXXX Est when they are open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PRIMELENDING, A PLAINSCAPITAL COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: My husband and I were directed to Prime Lending located in XXXX XXXX, Florida via XXXX XXXX XXXX. We were pre-approved for our new construction home for approximately {$490000.00} by XXXX XXXX. We signed our contract, obtained all documentation that she requested and again were told that everything was on track for a late XX/XX/XXXX closing. A stipulation win prime lending was that we were required to sell our home. We placed our home on the market and accepted an offer within one day. We pushed closing out approximately two months and finally closed on our home XX/XX/XXXX. One thing that we made very clear to XXXX XXXX was that we want to ensure that there would be no stipulation or reason that we would not be able to obtain a mortgage for our new home. She assured us over and over again that things were fine. We had agreed to place 20 % down on our new home. We disclosed at the start of this process that I had a short sale in XX/XX/XXXX. My husband and I were both very skeptical in the beginning because we had done our research and many lenders stated that we had to wait XXXX years for FHA and four years for conventional after a short sale. When this was brought to XXXX attention, she stated that there would not be a problem. We placed out trust and our families future in her. We have XXXX young children and our biggest concern was uprooting them from our home and end up having nowhere to call home. On XX/XX/XXXX we closed on our home. On Sunday XX/XX/XXXX I opened my mail and found a letter dated XX/XX/XXXX that my husband and I were denied for our loan. You can imagine our surprise. XXXX XXXX never contacted us and in tern we sold our home and have no idea where we are going to take our XXXX and XXXX year old children. When we attempted to reach out to XXXX XXXX the next day, she avoided out phone calls and emails. It was n't until XXXX days later when she finally contacted my husband. She informed him that she was aware that we were denied on XX/XX/XXXX but did n't tell us because she " did n't want to ruin our weekend. '' Had she given us the professional courtesy when she found out that we did not qualify, we never would have sold our home. I feel that she was very unethical with us and failed to disclose multiple stipulations with obtaining a mortgage after a short sale. In my opinion, she should have known about these regulations and disclosed to us right from the beginning. We never would have proceeded with the purchase of a new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with American Coradius International LLC (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/XXXX I made first contact with XXXX XXXX in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to ACI ( American Coradius International, LLC. ) for collections and they could provide no further info and that I 'd have to contact them ( ACI ). I then made contact with ACI the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for ACI. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from ACI verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB ( XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized XXXX credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either XXXX XXXX ( XXXX Bank ) nor ACI in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, ACI appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with XXXX XXXX following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the ACI website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX XXXX XXXX - XXXX, XXXX & XXXX ). Again I will reiterate, I have not received any communication from ACI let alone XXXX XXXX in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CT).
Issue: Managing the loan or lease

Complaint: I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XX/XX/XXXX. At time of application/loan approval, terms were not disclosed such as interest rate, which is a high 35.9 %. This was found out about after it appeared on Avant website, it did not previously show before. Ive been making payments on the loan and they do not begin to cover the principal due to high interest rate. My credit score was in the mid to high XXXX range at time of opening and my rate should be based on that score and not 35.9 %. A XXXX complaint ( XXXX ) complaint was filed, however, not resolved. Avant rep ( s ) claim terms were disclosed to me and were not. I just received the full terms via email after asking a rep for them, these were not sent to me before. I did speak with a XXXX XXXX and unfortunately, was unable to resolve the matter. My XXXX claims he has screen shots showing terms, rate, etc.. However, it is highly unlikely he knows what appeared on my end, on my computer, at time of application. Had I known about this high interest rate I would not have applied as I will be paying back more than double the loan amount after the term ends. Please note, do not mark this as duplicate as there is additional information enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a call for Portfolio say i owe them {$1500.00} and how i will like to pay it i ask them to give me some information on the debt i owe they say they cant tell her over the phone i have to send a letter in to them I them send them a letter of verification of the debt the send me a letter saying the have completed they investigation and the send additional documentation for my review witch is only a print out of a account statement for a balance of {$1000.00} and did not send me anything i ask for in my letter of verification for the debt Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Copies of any documentation establishing that the debt you say I owe is valid ; Copies of any documentation establishing the date the debt was open ; then they keep on call me ask me to pay the debt I ask for the information i ask them for in writing a over because the cant see nothing were i send a letter and i most have send it to the wrong address I told them it was a register mail them i send them back a register mail NOTICE OF INSUFFICIENT VERIFICATION and the send back the same letter ans statement and still calling me to pay the debt

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Re : Capital One Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I banked with wells fargo since XX/XX/XXXX and had a secured card with them as well. Last summer in XX/XX/XXXX I decided to close my checking account with them and pay off my secured card. I was going to close the secured card but the banker told me that was a bad idea and that I should instead not use the card anymore and then I would get my refund and the card would " fall off ''. I did as the banker informed me to do and little did I know until I saw an email from wells Fargo that I owed a balance on a platinum visa. I called and inquired about what happened and they told me they upgraded me from a secured card to a platinum card. I did not consent to this nor was this ever disclosed to me prior to getting a secured card. I closed that card because I never authorized the upgrade and was told the secure card would fall off and there would not be an active account for that credit card. I feel that I have been deceived by wells fargo. And now this will be reported on my credit that I closed the credit card and that is not good for my credit.

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 04/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Company re-institute private mortgage insurance ( PMI ) after principal amount of loan has fallen far below the XXXX percent mark as required by law for PMI. No person answering or responding to any phone calls to know why the PMI has reappeared on the payments statement and explanation for " other '' on the payment statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Other financial service (Debt settlement) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Disclosures

Complaint: Springleaf Finance have XXXX hard inquiries on my credit report viaXXXX XXXX who matches you with a creditor. They were not suppose to put hard inquiries on my file. XXXX preapproves you before you get to next step. I applied to this company XXXX time in XX/XX/2014. Now I have XXXX hard inquiry. False advertising. I tried talking with them about the problem, but theyRefused my rights as a consumer and would not listen to what I said. Please notify these companies as it has impacted my credit score.

Company response to consumer: Closed with explanation