milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with FEDERAL PACIFIC CREDIT COMPANY, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Constant calls..Threats of apprehension..Calling relatives..Discussing details..Trying to get personal info..

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Carpenter, Hazlewood, Delgado & Bolen, PLC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I bought my home 8 years ago and paid cash for it up front. Anyway over time I found out my ex never paid our HOA. A couple of years ago I entered into an agreement with the attorneys for XXXX XXXX XXXX XXXX that they would remove the lien and other owed funds once i made a one time payment of XXXX which I made and notified them of the payment at that time. Anyway they never took the lien off my home instead they compounded it with legal fees and are now foreclosing on me. They never let the judge know about this agreement and when I spoke with their attorney I was told they would no longer honor the agreement we had even though it is in my file and I do have the negotiations and agreement in my email. They just plan on taking my house just like that. XXXX XXXX made the agreement with me on their behave she is the Director of Collections for Carpenter Hazelwood and they say I now owe over 20k dollars all of which are legal fees which I would not have had if they had honored the agreement. I still have all the emails including the negotiations and XXXX telling me they would remove the lien from my home and eliminate the small amount left. In addition to this I am never notified of any court dates either I am only notified after the fact and I am certian this is because they know I will make the judge aware of the agreement. So the judge has signed a foreclosure without having the information and I have been holding them off but am now out of options. How is this legal or even remotely fair business practices? I really need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt in 2013. I have repeatedly told this company i do not owe them money but they continue to send me harrassment letters and threatening me with jail time and check fraud. I did none of theses! Here are my payments made XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$180.00}, Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This matter must be resolved, after providing Equifax with proof my FATHER past away and to not merge my information with his and providing my ID 's and his death certificate I receive a notice they added the death certificate to my file. There are his accounts listed on my credit file, accounts that are in my wifes name only listed on my credit file. Accounts that are business debts only on my personal credit file etc. Please help assist me as I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Recently receiving all this mail from NelNet, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016. My home was illegally entered without permission or standing and theft of property occured at my home by a subcontracted vendor XXXX for Wells Fargo. 

The letter I received from Wells Fargo stated, " the property preservation vendor was not at your property on XXXX XXXX, 2016. '' The incident report, from the police, states the individual 's apprehend by the police in my home had a work order from XXXX, which is in direct contradiction to Wells Fargo 's findings. It seems implausible that XXXX has no record of employees at my residence, but the incident report written by the police noted documents with XXXX information and a work order number. 

As I followed up on my complaint with Wells Fargo, the contact person tried to prevent me from escalating my complaint. He stated, he is the furthest my complaint which could be escalated, which was not true. As this process continues I have been " rekeyed '' out of my home. 

The police report I 'm submitting is the preliminary report. I am waiting for the detectives to update the report from the investigation of the burglary.

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 03/24/2017 about Debt collection (I do not know) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from CMRE. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Medical) with Audit & Adjustment Co. Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: My Credit Card was cancelled without consent or reason. XX/XX/XXXX I was notified by Amex that there was a transaction that did not go thru and there is a possibility that my card was compromised. I called them and had my card replaced. By the time I received the new card it was XX/XX/XXXX. I called and went thru a series of security questions until i was able to activate my card once again. I used my card repeatedly over the next several months, paying on time and most of the time paying XXXX times a month because my spending was greater than my limit, ( i never went over my limit ). In XX/XX/XXXX I saw a notification on my app on my phone, that my card was cancelled. I called and I was transferred to the fraud dept. where I was spoken in an unprofessional manner. The girl was almost lecturing me as how I never called back three months ago. I asked her to please calm down and transfer me to a supervisor or a manger which never happened. They told me that in XX/XX/XXXX I never called to go thru the security questions ( which i did and was able to use my card 3 months ) and there was nothing they could do. The card was cancelled indefinitely, I would need to re-apply if I wanted the card. This does not make any sense because from XX/XX/XXXX to XX/XX/XXXX I charged and paid over {$3000.00} dollars. If there was a security issue why was I using my card for 3 months? I think this is unfair. I have never paid late and not only did I pay on-time, I paid off the card most of the time. I was charged a yearly fee for a card I was unable to use for a year and I requested 3 times to speak to a manager. They told me the manager is busy and I would get a call back. Needless to say, the manager never called back and as of right now my account is closed and it was reported on my credit report which reflects as something negative. My card was connected to my XXXX frequent flyer program which offered me free bag check at check in. I travel a lot and feel this was totally unfair. Im really upset and feel that my account was closed for other issues like I pay on time or pay my card off. Im really not sure. But what I am sure is that the reason they gave me is TOTALLY BOGUS!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Trouble during payment process

Complaint: For the 2nd time in 19 months our mortgage payment is going up with no explanation why. Caliber Home Loans Inc. only states " in accordance with federal guidelines ''. In checking with the XXXX Assessor, there have been no changes in the value of the home and have not been notified of a property tax increase. So my wife and I are trying to find out why our mortgage amount has increased twice since we got the home last XX/XX/XXXX? No answers and no one has been forth coming. The principal and interest are fixed. Something seems awry and needs to be corrected. 
When one budgets expenses, the expectations that costs are fixed. With and ever increasing mortgage payment, how is anyone supposed to stay in their home? I expect a swift resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am trying to get a tax lien removed from my credit report. This tax lien is on all XXXX of my credit reports. It is paid in full.

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 04/26/2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: US Bank has incorrectly calculated my excess mileage charge. I have written to them more then 6 times.
They have not fixed it.
They have damaged my credit score.     A full explanation 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 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to Transunion and XXXX to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There is a collection account on my credit report from Cavalry Portfolio Services. It says they are reporting it every single month, which is just another means of harassment to get someone to pay. I have never even taken out a credit card with XXXX XXXX in the amount of {$440.00}. They are also reporting this as late, but I do n't even know how it 's possible to be late on a supposed collection account. I do n't have a contract with them. In fact, on their very own " validation '' it says previous arrangements are not applicable. There 's nothing to be late on. I 've never even been contacted by them. I 've never been contacted by XXXX XXXX about this account either. In fact, I just opened a new credit card account in XXXX with XXXX XXXX, but Cavalry just keeps reporting this collection item and on top of it report it as late every month. I called Cavalry again on XXXX/XXXX/16 at XXXX and requested validation of this debt. I was told that they do not own the debt and that they are not reporting, which again then should n't be on my credit report because it says being reported by Cavalry every single month for YEARS. Cavalry told me that XXXX XXXX owns this account and gave me their number. XXXX told me that they are owned by Cavalry and Cavalry is the one reporting this. I called Cavalry back again at XXXX and I again was told that there 's nothing that they can do and they are n't the ones reporting this although it 's on all three credit reports as such. I called XXXX XXXX back yet again and asked again about validation. I told them that if it is somehow indeed a valid debt that I would pay them, but they just told me that I should just know if a debt is mine or not and if they send me validation that it will just say that I owe {$440.00} and pressured me to just pay them over the phone and when I requested validation yet again they got gruff and hung up. A month and three days later ( today ) I called XXXX back to ask about my alleged account and spoke with XXXX XXXX at XXXX and she told me that after I asked for validation on XXXX, Cavalry recalled the debt the very next day. They are simply trying to hide that they never even owned this debt while they were reporting it, incorrectly reported and are shuffling this back and forth so that I ca n't do anything about it. Cavalry and their subsidiary ( if they even are a subsidiary! ) are just giving me the run around and it 's unethical and this needs to be deleted from my credit reports. Furthermore, each time a debt is assigned or sold to a new collection agency or law firm, that agency must advise me, very specifically, that I have a right to dispute the debt and request verification of the debt. I requested validation of my own volition numerous times and I have NEVER received a right to dispute.This notice is required pursuant to 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: I received XXXX fraudulent charges over a two day span that were applied to my checking accounting totaling an amount of {$2700.00}. I contacted Bank of America on the second day when I noticed the charges, and had them closed all the cards associated with the account to stop all activity. I submitted a claim which was processed and returned back to me a week later that advised my claims was rejected due to the charges processing correctly. The evidence regarding said charges clearly demonstrations that all {$2700.00} was fraudulently removed from my account. 

Date : XXXX XXXX, 2016 XXXX, AZ XXXX Checking Account Ending in XXXX Claim Number : XXXX Initiation date : XXXX/XXXX/2016 Bank of America Claims and Disputes XXXX, NC XXXX Dear Sir or Madam : I am writing to dispute fraudulent transaction ( s ) on my account in the amount of {$2700.00}. Unless this is an error on your part, I can confidently assume to be a victim of identity theft, because I did not initiate and approve the transaction ( s ). I am requesting that the transaction ( s ) be removed from my account and all finance and other charges related to the fraudulent transaction ( s ) be also credited. I would also like to request a revised account statement to ensure appropriate changes to my account have been accurately made. Enclosed are copies of my statement with fraudulent transaction ( s ) highlighted supporting my position. Please investigate this matter and remove the fraudulent transaction ( s ) as soon as possible. 

I have filed a police report with the XXXX Police Department located at XXXX, AZ XXXX. The phone number to the police department is XXXX. I filed my report with Officer XXXX and his badge number is XXXX. The police report number is XXXX. 

I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2016. My case number is XXXX. 

Also on XXXX XXXX, 2016, I filed a complaint with Federal Deposit Insurance Corporation ( FDIC ) to help facilitate the investigation into my claims with Bank of America. 

Sincerely, 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 monetary relief
Consumer complaint received 11/28/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am currently {$100000.00} + in debt because XXXX College took out multiple loans under my name. For XX/XX/XXXX alone I have 5 loans taken out totaling {$20000.00}. XX/XX/XXXX I have 4 loans out for a total amount of {$18000.00}. I have tried contacting the collection agency where my account is in and no one will give me information other than the total loans I have. The current collection agency names, XXXX told me to contact Federal Student Aid, then I was asked to contact the collection agency for " better assistance ''. I do n't understand how you end up paying XXXX for a XXXX XXXX XXXX for a college that no longer exists. Where can you dispute this kind of problem!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (Other debt) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Despite being a victim of fraud and XXXX having a record of the police reports filed, XXXX continues to report debt 's that do not belong to me, information obviously not being verifying before reporting incorrect information to my credit file, this has been an issue with this reporting agency for a number of year 's now. Information that should be reporting in my file they will not report despite financial institution 's reporting to this agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was text that some one was using my Macys card 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 monetary relief
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Hi, We are doing banking for our company with WellsFargo from last 9 years. We deposited check ( frost bank ) into Wellsfargo for the amount of XXXX $ and money was withdrawn from frost bank immediately and wellsfargo says money will not be available for next 10 business days as the check amount is high. Customer service and banking service is really sucks.

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 02/22/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX and Equifax both have incorrect items on report -- XXXX accounts paid off ; XXXX hard inquiries not agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had XXXX hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

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