milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My paycheck was garnished by Wakefield and Associates, they FORGOT to quit garnishing it and are refusing to return the money in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent over three letters in 4 months for this company requesting debt validation. A request was made in pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. As stated in the law, the company did not cease collection activities, in fact they kept reporting to the credit Bureau. To date the only correspondence I have received is a bill, not anything with my signature to validate the debt they believe I owe. It has been more than several months since I place a debt on my credit report and more than one month since I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Citibank refuse to honor a promotional which said that they would give XXXX thankyou points after completing requirements. After confirming with representatives that I had in fact completed all the steps, I was denied the promotional points.

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 10/25/2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16 I arranged for a payment to be withdrawn from my bank account to Chase for the amount of {$100.00} to be posted on XXXX/XXXX/16. I was unable to get the money in my bank account so I cancelled payment online on XXXX/XXXX/16. I received email confirmation of the cancellation. However, on XXXX/XXXX/16, my bank showed NSF fee for {$28.00} due to Chase crediting my bank account {$100.00}. I contacted Chase and they said they had no record of my cancellation. After many " secure messages '', a few phone calls, and having screenshots of my bank statement, cancellation page from Chase.com, and the cancellation confirmation email, they were persuaded I had indeed cancelled that payment of {$100.00} ( which I made two days later ) and that I was due {$28.00} for the NSF fee. COMPLAINT # 1 : When speaking to Chase, they refused to send the {$28.00} back to my bank which I had to pay. Instead they insisted it had to be put on my CC balance. The lady stated " it still goes back to you ''. On the contrary, they closed my CC and I do not have access to it. They put it on my CC balance, but it did not go toward my next balance due date either. I WANT MY MONEY BACK IN MY POCKET OR BANK ACCOUNT! COMPLAINT # 2 : After looking through my bank records and seeing payments to Chase, my credit report, and the fact I had to prove I canceled a payment, I would like to call into question the security of Chase 's website : electronic payments, personal info., credit reporting, etc. I dispute ALL information Chase has reported to all XXXX credit bureaus and would like CFPB support. If Chase can lose one cancelled payment and claim it has NO RECORD AT ALL, it is reasonable to say that other information could be missing and/or could have been mishandled that is negatively effecting my credit report at this time. In addition, I am questioning my balance due and other charges that have been placed on my CC. Since Chase has closed my account, I would like CFPB support to clear my credit report of any record with Chase and push for a balance due of {$0.00}. My records indicate that the balance is not even half of what Chase states it is now. In conclusion, my complaints are directly from Chase 's incompetency in quality assurance, customer support, and customer/website security. I would appreciate your help in this matter, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: Me and my husband open a Wells Fargo account on XXXX/XXXX/2016. The first couple of days was fine until XXXX/XXXX/2016 I got a call from the fraud department saying that my account was flagged for suspicious activity. Someone got access to my online account and change my personal information around. I had to verify it was not me and to give them the correct info and everything was fine. The next day I tried to use my card in the store and it was declined. I called Wells Fargo and they told me that my account was on hold and schedule to be closed on the XXXX of XXXX. I said " why '' and they told me of XXXX checks for {$2500.00} that was deposited into my saving account was fraudulent and was return. I explained to them " what checks? '' what are you talking about? They proceeded to tell me they spoke with a man over the phone about my account information and the fact that my account be closing and the man told her that he was my husband. I assured her it was not my husband so she told me to verify my address and phone number, I did and she told me it was not correct!!! She told me to file a fraud report but it wo n't help because my account is closed and debit card is closed as well. i would have to wait 2-4 weeks for my cashiers check to come. I told her it is going to go to the wrong address because the address is not mines!!!! She said she was sorry but it was nothing she could do.

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 02/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile 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 My ID via drivers license is attached

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I disputed this already and my background check still came up as a fail. 
I never used the name XXXX- but received mail in that name It also says one of the addresses in incorrect- I cant remember which one. 
How do I pass this? I am not a criminal. I was fired from XXXX XXXX  because of the failed background check

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted Bank of America on XXXX/XXXX/2017 to advised them that I never had an account with them and for them to please provide proof of the complete payment history, the original contract that I sighned. What type of account, where the account was opened and my signature. I received a correspondence from XXXX XXXX XXXX XXXX XXXX on the behalf of B of A dated XXXX/XXXX/17 which was a print of from billing statements which did not provide me with any proof that I opened account. I then contacted B of A at XXXX spoke with a representative who advised me that the account was old and she was not able to provide me with the document I requested. I advised representative that if you ca n't provide documentation it need to be removed. Rep then advised no it is mine and it will not be removed. I them wrote another letter and send to the three agencies explained the above and submitted the billing statements that XXXX provided and they all updated my file stating it was accurate and updated.
I would like this deragarory item removed from my credit file. I can be reach at XXXX or XXXX.
You assistance is needed it 'd been 3 months and numerous letters and calls made with no resolution.
Sincerely XXXX XXXX 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 06/27/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Other service issues

Complaint: After multiple requests, Paypal has refused to permanently close my account. 
I maintain a {$0.00} balance. I find Paypal 's actions contemptuous and egregious. 

I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 


My complaint is as follows : To : XXXX XXXX XXXX XXXX, Operations CounselPayPal, Inc. 
XXXX XXXX XXXX, Nebraska XXXXPhone : XXXXMr. XXXX, I received your response to my CFPB complaint against Paypal. 
In your answer you mentioned that PayPal considers this matter resolved, however an unresolved matter from my complaint remains unanswered. 

The remaining issue is that Paypal decided to NEVER close my account. 
Despite that I have never had a negative balance, Paypal refuses to permanently close my account. I find this egregious and illegal. 

Again, I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! Amount : {$2700.00} Reported XX/XX/XXXX Filed 1XX/XX/XXXX XXXX County Superior Court

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 07/24/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: Loancare ( a XXXX company ), assigned 2 different account/loan numbers for one loan and falsely reported late mortgage payments to the credit reporting bureaus for the account not used for billing and payment. We 've never missed a payment and they agree. To date about 6 months after we discovered the 2 different account numbers for the same loan and after we noticed the false reporting of 120 days late payment, Loancare has failed to correct its mistakes. We called Loancare on XXXX XXXX ( agent XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX and XXXX ) and each time they said they would open a case with the credit department ( not available by phone ) and did not follow-up. Loancare has ruined our credit and there is no way to communicate with the correct department about resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried to contact the credit agencies, but they ask questions which do not allow me to validate who I am. They ask about people owning property in Wisconsin, none of whom I know. I state that and they reject me. My credit report says derogatory, but I have proof from XXXX that they would remove the derogatory status. That was two years ago ( XXXX 2014 ) and it is still there as {$690.00}. I have uploaded the proof here. The credit companies make us go through loopholes to prove our existence, which are ridiculous. I can tell them every tax return for ten years and other info. but they will not ask questions I can actually answer. So my credit score suffers still. Please see point one in the settlement and release. I have also attached a screen capture of my " derogatory '' status. Please help.

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 01/19/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I have a Regions Bank checking account. I was charged approximately {$400.00} in overdraft fees for purchases, some quite small. Regions Bank never alerted me that my account had issues. 

The Regions Bank representatives I contactd in Alabama -- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX -- refused to give me the address of Regions Corporate office so that I could write a letter. XXXX XXXX refused to even give me his title.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Privacy

Complaint: My credit card company has been calling my place of employment telling anyone who answers the phone my credit card number, balance, address, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It showing that I have a parking ticket in the amount of {$89.00} that is not mines out of XXXX. I contacted them advised what was on my credit report and stated that I have NEVER received a parking ticket and I would like this removed from my credit report. The debt collector referred me to call the original collect and they referred me back to the debt collector. Now I have been given the run around. I have never received any parking ticket because I NEVER park wrong, never signed for nothing, never went to court or anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection letter was mailed to me for attempted debt collection of XXXX medical accounts already paid in full. The payments were to the same collection agency. I called the original creditors and confirmed payment was received. The collection agency, Revenue Recovery Corporation,XXXX.tn.,XXXX.XXXX was attempting by fraud and misrepresentation to collect the debts XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX XXXX XXXX .Date of Birth XXXX/XXXX/1956 On my credit report you have my son 's name and SS # included on my report!!! There are bill 's from XXXX XXXX and other XXXX bill 's that I have NOTHING to do with!! I have NO collection XXXX contacting ME for any reason!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: sent them information about inquires that are not mine they just left on there exp, XXXX 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 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been receiving harassing, threatening and XXXX threats telephone calls from creditors in regards to accounts and debts I do not owe. I am a victim of identity theft. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education

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 05-10-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America completed a loan modification ( under the National Mortgage Settlement agreement - NMS ) on our XXXX mortgage around XXXX XXXX ( loan XXXX ). When we began the process of modifying the XXXX loan, we consistently inquired verbally and by email about modifying the XXXX loan ( XXXX ) which was and still remains with Bank of America. Our concern was that we would still be under water if the XXXX remained on the property. This worried us and was a key point that was communicated many times during the XXXX loan mod process ( we have emails on record ). We were told repeatedly by BofA employees that the XXXX would be extinguished after the XXXX loan was modified. Our recent research shows that under the NMS, BofA would have to extinguish their XXXX lien if the XXXX was successfully modified. We were pushed off repeatedly through the trial period with the same excuse that the XXXX would be addressed after the XXXX was completed. After our trial period, a BofA employee told us verbally that the second lien had been " sold '' and that they could no longer honor any extinguishment. Since then we have discovered that this was a lie. BofA has always held the note on the XXXX but failed repeatedly to take any actions to extinguish or modify the XXXX. In fact, they were completely unresponsive to our requests saying that the XXXX had been re-assigned/sold to their Servicer, XXXX XXXX XXXX ( XXXX ). XXXX has always denied that they 've ever owned the XXXX but that the note has always been held by BofA. We remained in this limbo until today! This type of unfair practice has caused us tremendous financial stress as the XXXX lien has occupied all of the equity in our home since XX/XX/XXXX and limited our financial options for survival. BofA 's tactics eventually forced us to file for bankruptcy in XX/XX/XXXX a few months after our XXXX was modified. Firstly, I strongly believe that BofA acted illegally under the terms of the NMS agreement. Secondly, I believe BofA used unfair, predatory business practices by initially telling me they would extinguish the XXXX and then misleading me into thinking they sold it. A BofA representative told me by phone today that he apologized and that the information he had given me last week about the ownership of the XXXX loan was incorrect, he confirmed that his research showed that BofA has always owned the second. I have no words to describe how violated I feel. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: after an XXXX I apply for capital one secure credit card and used it for about XXXX and they retricted my account twice for no reason after I called for the second time I paid off the bal and the lady told me she would refund my money in ten days, they have made two other dates for refund and are just liars I am on a fix income and I need my money in reasonable amount of time after two billing cycle is not reasonable what does that mean 60 days 62 days or XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by Portfolio Recovery regarding a charge account that was delinquent. They called my cell phone repeatedly each day and sent the information to XXXX XXXX XXXX where I was informed I had to pay the amount or I would be sued in court. During this time I was going through a tough financial time as well as recovering from a divorce but felt pressured to comply or fear going to court. ( I have never been to court so that aspect scared me to death as I was n't sure what the Judge would order. I did n't want to go to Jail and not be able to see my son ). I had to borrow the money to satisfy the outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: Champions Mortgage will not tune loose of my insurance check I have sent all records and can not get my house fixed where I flooded Fema sent all of the paper but the young girls keep my check I am XXXX years old with holes in my house because they will not turn my check to me what can I do they do this every time when XXXX hit me they would not turn the checks I had to beg for the money that the insurance paid me to fix my house they sent an inspector to check my house to get the last check the house looked better than before to me what can I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need help

Company response to consumer: Closed with explanation