milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA. 

Eastern Account System Inc. 

On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt. 

Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Delinquent account

Complaint: back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to Zero balance and they reported it as closed by consumer request. 3 months later they start reporting every month that i was late? they put XXXX late payments on me and changed it to charge off? saying i owed a pental fee? they never told me about and ruined my credit Capital one. then they set it that i could not call regular customer service i had to speak with the ceo administrator and she talked to me like i was less than a person saying i owed an additional XXXX for closing the account. they never told me that. so now i have XXXX missed payments so they say and it says charge off. please correct it because i had not missed any payments in years XXXX payment in XX/XX/XXXX please correct and give them a penalty for being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Every time I send a package to family member that address shows up on my credit report. I have been on XXXX XXXX for over fifteen years. Before that I was living on XXXX for almost ten. The other addresses are family members but NOT and should not keep needing to be corrected.

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 08/27/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: Paypal signed me up for a Paypal Credit account without my knowledge. 

I found out when they did a hard hit on my credit report. 

I never authorized this and I do not need or want paypal credit. This is deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I originally noticed the fraudulent ATM withdrawals and debit card charges on my Wells Fargo online account on my wedding day ( XX/XX/XXXX ) while in XXXX. In total, 11 fraudulent charges had taken place between XX/XX/XXXX and XX/XX/XXXX, totaling {$1400.00}. Prior to leaving for XXXX, I had notified Wells Fargo that I would be out of the country so that they could authorize my card being used internationally. I was very surprised to see that many charges had taken place in the United States, granted that Wells Fargo should have marked my account as being out of the country. Once I noticed that charges were being made, I immediately called Wells Fargo to figure out what had happened, file a claim, and deactivate my debit card. 

After a few weeks, I was shocked to receive a letter in the mail from Wells Fargo, telling me that their investigation concluded that me or someone I know made the charges. It seemed just so obvious that the charges were not me since I was not even in the country. The claims specialist advised me that I would need to file a police report in order to open the case. 

After filing the police report, I re-opened my claim with Wells Fargo, this time sending them additional evidence including my marriage certificate ( dated XX/XX/XXXX that indicated the location being XXXX, XXXX ) and my flight confirmation that showed the date of departure as XX/XX/XXXX and return as XX/XX/XXXX. Again, all of the fraudulent charges occurred within those dates. 

A few weeks past and I thought this ordeal was finally over when I received a letter from Wells Fargo in the mail. Again, to my surprise, they were denying my claim. 

Since then, I have been to the Wells Fargo branch office and requested pictures from the ATM of the individual who was withdrawing funds from my account. It turns out that Wells Fargo is trying to claim that the man in the pictures is my husband ( who I was literally in XXXX with during all these charges, getting married to ). In addition, my husband is XXXX XXXX with a XXXX XXXX XXXX and the man in the pictures is very clearly XXXX. 

At this point, I do n't know what else to do because it feels like I have so much evidence and support that this was fraud, but it seems like Wells Fargo just wo n't listen. Although {$1400.00} may not be a lot of money for some people, it is a lot for me and it feels like Wells Fargo is now the " person '' stealing from me. 

I have attached my two bank statements that indicate which charges are fraud, along with my marriage certificate, and flight confirmation. I have also included the police report I filed, pictures from mine and XXXX wedding day, XXXX ID, and two pictures that show the man at the ATM withdrawing money from my account.

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 04-04-2015 about Mortgage (VA mortgage) with GUARANTEED RATE INC. (NV).
Issue: Application, originator, mortgage broker

Complaint: Guaranteed Rate, Inc., " originated '' a loan on our home XXXX/XXXX/XXXX. Clause # XXXX says if the loan is paid, they are supposed to instruct Trustee to reconvey the house and eliminate all evidence of debt. We sent them a Request of Statement of account, they eventually admitted they had no interest in the property or the mortgage on it-XXXX, XXXX times in XXXX XXXX. Suddenly, after we sent the servicer, XXXX XXXX, a QWR on XXXX/XXXX/XXXX, GRI " assigned '' the mortgage-via MERS, who has no standing in Nevada-XXXX XXXX XXXX. The assignment was supposed to go into a XXXX, was way too late and not allowed even if it had n't been late. Either they lied about having an interest in the note, then assigned it illegally and late, or they told the truth about the note, and allowed XXXX to receive 2.5 years of mortgage payments and threaten foreclosure ( on XXXX/XXXX/XXXX ) when they had no authorization to do so. Also, they purported to be the actual lender, whereas the MERS report shows them as the servicer, nor di did they inform us that XXXX Bank was the lender, so they committed fraud from the very beginning. They also did not deposit the note into the trust as is required by the PSA agreement for XXXX. Furthermore, we sent GRI a Letter of Rescission on XXXX/XXXX/XXXX. They owe us either the XXXX mortgage payments and/or the closing costs. Another clause in the DOT : BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. '' I 'm contractually obligated to generally defend the title to the Property against all claims and demands. That is clear cut, and even if it 's ambiguous, the doctrine of " contra proferentem '' is applicable ; ambiguities are to be construed unfavorably to the drafter. GRI drafted the contract, not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Medical) with Seattle Service Bureau, Inc (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/XXXX I received medical treatment from XXXX. They sent statements to an incorrect address in North Dakota. At some point, they sent it to collections to National Service Bureau, where it was assigned account # XXXX, and has a balance of {$240.00}. I found out about this when I saw it on my credit report when I looked at XXXX, I called them, and asked why they had not tried to contact me or send me a notice advising me of my rights and given me the opportunity to pay this debt before a permanent negative mark would be placed on my credit report for seven years. Well, they had an incorrect address in the wrong state. When I moved, I notified the USPS and had my mail forwarded to my new address. I never received the original dunning notice I am entitled to, that gives me 30 days to dispute or pay this debt before a negative rating gets placed on my report. 

I spoke to National Service Bureau on XXXX/XXXX/XXXX and offered to pay for the bill, in full, but requested that they update my address and remove this from my credit report based on the fact that I never was given an opportunity to pay it. They acknowledged they had an incorrect address, and still refused to comply with my request. I remain adamant that should I have been given the opportunity as I am entitled by law to dispute or pay this debt within 30 days of being notified, I would have exercised my rights to pay this and avoid this 7 year adverse remark on my report.

Company response to consumer: Closed
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Settlement process and costs

Complaint: I contacted a loan company to refinance our mortgage for a lower interest rate. In doing this, the gentleman advised me that we had a LOAN MODIFICATION marker on our credit history. I advised him that we have never done that and he told me to contact the institution and get it removed. I then called Carrington Mortgage Services and told them I had not authorized this and XXXX from customer service told me there was a loan modification done in XXXX XXXX. I told her I had not authorized and she said they would n't have done it without signatures. So, I requested signatures and low and behold, there are no signatures. I was then advised to send a letter to the research department asking them to remove it from our credit report ( XXXX XXXX, XXXX ) and was told to give it 30 days. I then called on XXXX XXXX, XXXX to now be told ( they said a letter was mailed to me XXXX/XXXX/XXXX ) that the original document states that if we DO N'T want the loan modification to contact them and a signature is not required. They also state that on XXXX XXXX, XXXX there was a verbal authorization over the phone. They did not document who gave that authorization. I then stated that I will be contacting a lawyer and the agent 'warned ' me that conversations are recorded for quality assurance. I then asked to hear my authorization. After many long hold, was told they will not release that to me. 
Each time I call and talk with someone, there is something else they blame it on or try and explain it away. All I am asking for proof that I authorized it or have it removed from my credit report. If I authorized it, so be it, although ... ..I do not recall it at all. I want it removed from my credit report, no telling how long this has affected us getting loans and better interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with COMMERCE BANK (MO).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I recently received a mailing from Commerce Bank that stated " {$300.00} cash bonus for opening a new Commerce Bank checking account, when you establish a recurring {$500.00} minimum direct deposit, with two deposits within the first 90 days. '' I opened the account within the allotted time period and followed every procedure as requested. My statements show the repeated direct deposits. <P/>Initially I had a very hard time just getting online, it took several weeks to fix a glitch in their system just so I could view my account online even though it was funded the day I opened the account. After two months or so I asked when the deposit would be made, they said after the account had been opened for 90 days. During this time period I had a hard time logging in so I called the online banking and asked what the problem was. They said that since I had written a check for all the funds in the account to another bank they had closed the account but it was automatically reopened on my next direct deposit. I asked the customer service representative why they never told me that they would close an account when a balance reached XXXX. I have had accounts at dozens of separate banks over the years and never had any of them close an account because of a XXXX balance and that I should have been informed of such a policy. I also asked if it would affect the bonus I was promised and the individual said no, it would not affect the bonus and I would still receive it. I called back again in XXXX and was told that I would be paid in during the third week in XXXX. I called after the third week in XXXX and was told it would be after the end of XXXX. Still there was no {$300.00} bonus. I called the bank branch I opened the account with directly again in XXXX and the lady I spoke with said she would research why there was a problem and contact me again. She called me back and said they input the bonus code wrong when I originally opened the account but said they had fixed the problem and I would see my bonus within a week. I received a phone call today, XXXX XXXX and was told there was no bonus because the account balance had gone to XXXX at some point. I stated that this was never a requirement, the only thing was that there be {$500.00} or more in monthly direct deposits. I asked to speak to a manger but was told he was busy and he would call me back. I waited all day and never received a phone call. <P/>Dealing with this bank has been a nightmare, all I want is what they promised me, the {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Settlement process and costs

Complaint: After receiving a pay cut from my last employer, my wife and I started having financial hardships trying to make payments on all of our current debts. Eventually, we had to place our home up for sale. We had both a XXXX and XXXX mortgage against the house. Once we listed it for sale we had to reduce the asking price trying to get the house sold. The final asking price was accepted and would turn the house in to a short sale situation. Our realtor and our settlement attorney have been working together with both mortgage holders to secure the short sale and get this process completed. Specialized Loan Services ( SLS ) has been very demanding and has turned the situation in to a nightmare for us. The new buyers are still hanging in there but every time my attorney tries to push forward we are constantly being asked to provide additional information, updated contracts and various other documents that have greatly delayed the short sale process. This continued poor service with delays and unreasonable demands are putting my wife and I in danger of being foreclosed rather than both mortgage holders working together with my attorney to process the short sale of the house. My attorney resides and works in Maryland and has worked with several banks, sellers and buyers to accomplish the short sale process. She knows what is legally needed and what are the acceptable documents required to facilitate a short sale. Haggling over listing agreement dates when there is a valid contract in place is not something legally required, but is being used as another delay tactic. I 'm not sure why this process is taking so much time and effort on so many people when there is a seller, buyer, accepted contract, a realtor and an attorney all working together to complete the sale of our house and a mortgage holder that had drawn this process out to an absurd amount of time.

Company public response: Company 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 EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: someone from Equifax called me to resolve an identity fraud issue. Said he needed my social security number. I said he does not need this -- he has my number already. 
I gave him the last 4 digits -- he said he needed the entire number. Not sure of what to do I gave it to him, and then said I would record this call as he was recording my call. 
He said I did not have his permission, and hung up. 
The number that called me was XXXX XXXX. I do not know if this is an actual Equifax number, but I do not feel that the person should have hung up abruptly. 
It was they who created the identity theft/fraud problem. If this is Equifax who called they should at least reference the reason the complaint. 
They called today XXXX XXXX, XXXX at approx. XXXX pm

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: sent several letters asking for verification of a dismissed chapter XXXX, keep getting the same response no action taken verified, no documentation, nothing with my signature, verified with who because I contacted the US bankruptcy court and they do not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: I 'm trying to refinance my existing mortgage four years after a Chapter XXXX bankruptcy discharge XX/XX/XXXX. We began working through a mortgage agency, XXXX. In this process, although not shown on our personal credit reports from any of the big XXXX credit agencies, a third party agency, XXXX XXXX, showed XXXX late payments to Citi Mortgage XXXX before our actual bankruptcy and XXXX after. We made all of our payments to them on time. We called Citi Mortgage customer service reps. They would n't talk with us because they though we were in a current bankruptcy process. They finally put us through to their bankruptcy department. They thought we had completed our bankruptcy XX/XX/XXXX and forward us to their mortgage group. They requested we fax them the details of our credit report and our payments. We sent them our third party credit report, our bank statements showing our payments and the corrected record of payments t later provided by Citi Mortgage, They then replied that they needed the actual source credit reports, not the one from a third party. We ca n't supply that because our yearly credit reports do n't show this issue. How do I resolve this issue?

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 05/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I call them numerous of time that debt was paid they did n't do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX, I was the victim of an identity theft. A personal unsecured loan was issued to an unknown individual by Wells Fargo Bank. I notified Wells Fargo Bank of the fraud, and I placed security freezes on my credit report. Wells Fargo failed to properly investigate and they have refused to remove the credit inquiry and trade line from my credit report. I have provided my FTC Identity Theft Report to Wells Fargo, and I have provided additional documentation. However, they have not taken appropriate action nor have they complied with the Fair Credit Reporting Act.

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 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on XXXX ( {$88.00} outstanding interest ) and {$3200.00} on the XXXX ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. XXXX apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by XXXX XXXX. On the federal site, one shows that Nelnet has it, but when I login, there is no information and no payment due. The other shows that it 's all still with XXXX, but XXXX website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I logged on to Nelnet, none of my information comes up or any amount due or how to repay it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with SYNCHRONY FINANCIAL (WY).
Issue: Other

Complaint: I received a phone call from XXXX XXXX on XXXX XXXX, 2015. They told me that for my website to be ultimatley profitable that I needed to add some major marketing to my new website. They led me to believe that I had no other choice and gave me what they said was a good deal for {$8000.00} They would create a VIP Advertising Package for my online XXXX. They have not done anything. When i call the number, it just continues to ring. XXXX has not provided what is set fourth in the contract and therefore I should receive a full refund.

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