milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX at XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX, TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Account opening, closing, or management

Complaint: I never went in and signed any paperwork to start this account. Everything was done online. Once I realized that they had opened the account I ask them to close the account because my job did not offer direct deposit and they never did close it so the fees for not having direct deposit added up and now they are saying its my fault. I ask them to close it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX has no responsibility over the debt of XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.

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 10-02-2015 about Mortgage (Other mortgage) with Homeside Financial Services, LLC (NC).
Issue: Credit decision / Underwriting

Complaint: Homeside Financial LLC called husband on XX/XX/XXXX concerning a re-fi.. they talked and I specifically heard my husband telling them he did n't want a Hard credit pull on credit reports. 
I did n't talk to them at all and yet awoke this morning to an XXXX alert of a new inquiry that I never consented to, info from report is as follows : XXXX Address : XXXX MD XXXX ( XXXX ) XXXX : Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo stopped accepting my payments as of XXXX. I went to the branch and they would not accept the payment. I feel I am at risk of having my home taken from me as I fell behind but tried to keep up and for the past year, have had a XXXX way communication as I have not had a personal reply, only generic letters offering to help. 
I do n't wish to have a modification as I have a low interest rate, I just need time to catch up or a forbearance. I have made payments since 1993 and have a lot of equity so that is why I believe the bank has stopped accepting my payments. 
This has been very stressful and especially in the past month not knowing what is going to happen. I have called but always get transferred around and I also had my daughter call but they said there is no authorization. I had sent in an authorization a long time ago, and most recently sent another, which I have attached. I am beginning to feel this is discrimination as I am a senior citizen as well as XXXX! 
I also contacted the Board of Directors for Wells Fargo and still no reply. It seems that, that is their way of doing business. I have for the past year sent corresspondence and all I get are generic letters advising they can assist with XXXX programs. Well I have asked, I need a human person to reply and address my specific concern!! Although, today we were told that it was best to fax the documents instead of mailing. GO figure! 
I need assistance to not lose my home and have the bank accept my payments and get back on track. Also not rack up made up fees for attorneys! I appreciate your assistance in this matter.

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 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loan company ( XXXX ) reported I was late with my payments XXXX times back XX/XX/XXXX, XX/XX/XXXX. At that time I had several XXXX, was not working, no money coming in. I called my student loan up & they granted me a temporary medical forbearance ( unsure what it was called ) good for 6 months which I renewed several times since I ended up having XXXX XXXX & not working almost 2 years. They were aware of the situation-I even offered a doctor 's letter, which they refused. Since then I have recovered, went back to work and have not missed a payment but this is impacting my credit score ( along with medical bills that were to be paid by the fault of the other insurance ) & I can not get a loan anywhere at a decent rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Mortgage debt) with Franklin Credit Management Corporation (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: COMPANY SENT DEMAND NOTICE ACCOUNT OUTDATED / CLOSED OVER 11YRS AGO AND FRAUD AFFIDAVIT FILED WITH ORIGINAL CREDITOR ON ABOT XXXX/2007 ... COMPANY CONTINUE VIOLATES FCRA, FCBA, FDCPA ( 1692g ), STATE STATUE OF LIMITATION EXPIRED ; 5YRS TO COLLECT WITH IN THE STATE OF GEORGIA.. NOT MY ACCOUNT/ NEVER DONE BUSINESS WITH SAID CREDITOR ... /NOTE : FORMAL COMPLIANT FILED WITH " BBB '' AND POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services LLC sent a letter dtd XXXX XXXX 2015 advising that it did not receive our XXXX XXXX mortgage payment. I sent a fax that included printouts from my XXXX XXXX Bank account showing that the check was mailed for delivery by XXXX XXXX 2015 and cashed on XXXX XXXX 2015. Today I requested from XXXX XXXX Bank physical evidence that the check was cashed. I received a letter today from Carrington advising that they did not act on my fax of XXXX XXXX 2015 because I had not signed it. Never mind that it contained printouts from my bank account proving my identity and the error was theirs not mine. Today, I received a XXXX delinquency notice and a threat that I will be foreclosed and could lose our home if they do not have this supposedly missing payment by XXXX XXXX 2015. We recently went through a year of hell because XXXX sold our XXXX mortgage to those parasites at XXXX. Now XXXX sold my VA loan to this Carrington crowd which so far looks a lot like XXXX from where I 'm sitting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has failed to due a proper investigation, which is a volation of the FCRA. Back in XXXX XXXX I informed Equifax that the following account from XXXX XXXX XXXX XXXX did n't belong to me. Account number # # XXXX At the same time I also sent the same information into XXXX XXXX and XXXX this account was deleted from both credit reports. Equifax never deleted the item or sent me an updated credit report explaining why it was n't delete. I have attached paper work showing I 'm a victim of identity thief. I have also sent in a police report before on another claim to Equifax because I 'm unable to upload stuff on this site stating I 'm a victim of identity thief. Equifax fails to investigate or use proof that I 'm sending in and the company ca n't give validation, for this account or anything with my signature because I XXXX XXXX NEVER HAD AN ACCOUNT WITH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original debtor XXXX has already collected full payment of this debt in the amount of {$750.00}. During a conferenced call on XX/XX/2017 Diversified Consultants, Inc. debt collection agency acknowledged receipt of full payment however ; they refused to remove it off of my credit report and provide a letter stating that the account has been paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: On XXXX in XXXX, Florida, I gave Western Union {$330.00} to transfer to my wife in XXXX XXXX, XXXX. I provided detailed information and identification documents on myself ( transmitter ) and my wife ( receiver ) .Today is XX/XX/XXXX and Western Union has not delivered the funds or reimbursed me in spite of numerous phone calls and requests on my part. I have sent money to my wife and daughter through Western Union many times before with no problems.Their contract states that I have a right to a refund within 10 days, but they refuse to return the money. Western Union has caused my wife and daughter financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (AL).
Issue: Application, originator, mortgage broker

Complaint: My husband and I had what we thought was a home equity line of credit on our home but found out that is was a loan that matured at then end of so many years and the total amount of the loan would be due. The loan was with PNC bank, the approximate amount of {$82000.00} and was due XX/XX/2017, we started working with PNC in XX/XX/XXXX to get this loan converted into a regular second mortgage loan. After speaking with numerous people we finally receive a call from a representative that sent us a package to complete and return. Weeks after PNC received the information they finally contacted us needing more information. I would call the representative that was suppose to be our contact person and leave messages regarding the loan and would rarely get a phone call back if one at all. I can not count the times I left messages and no call back. Once we did hear from her we were told that our debt income ratio would not support the loan. We were told to supply them with more information regarding our income and we did so. There again I was trying to get in touch with her because I knew the loan was coming due and there again no call back. I finally had to email someone at the branch to get our representative to contact me. Again, we were told they could not help us with the loan, even after they have had the loan for years and could look back and see how we paid each and every month with not a late payment at all. We then went with another bank supplied all information they needed and toward the end of the process with no problem. But when the mature date came due ( XX/XX/2017 ) and the total {$82000.00} was not paid in full PNC hit our credit with a late payment which dropped both our credit scores by XXXX points and I am sure we will get another hit for XX/XX/XXXX. Because of this, drop in our credit score, our new bank has put a halt on the loan. Therefore, PNC will not grant us the loan and they are preventing us from getting it with any other bank. We just need for PNC to remove the late payment so our credit score will go back to normal and we can get the loan and pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: I am writing about a wire transfer fraud issue that occurred to me several months ago. I am reporting it now because the fraud was with my accounts at Wells Fargo and it is clear that Wells Fargo has several internal issues. The fraud was characterized by first a small " testing '' wire transfer followed a few days later by a large wire transfer of several XXXX dollars. I notified Wells Fargo of this fraud upon my realization ( a few weeks after it occurred ) and they immediately addressed the situation though the process included opening new accounts and closing the old ones over a period of a few months. The closing of the compromised accounts was done very slowly with WF telling me they could only accomplish the closures at the beginning of the next month. I was shocked that a wire transfer fraud could occur! It was clear to me that this was an " inside job ''. I had, a few months earlier, wired money from my account to complete the closing of a large mortgage for a home purchase. It was clear that the information from my mortgage had been used to commit the fraud. There was a name ( no doubt another fake account ) on the wire transfer. The whole process took quite some time to resolve. I believe that other than the massive inconvenience and the time that I had to dedicate to resolve the issue I did not have any additional financial costs. Again, I am writing this because it is further evidence of significant internal problems at WF. Wire Fraud is not simply " opening new accounts to meet a sales goal ''.

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 10-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Delinquent account

Complaint: I received a credit card from XXXX XXXX 2014. I paid my first 3 payments or XXXX right on time like clockwork. On 4th month my wife was diagnosed with health condition that caused her to be put on leave from work so in mean we fell behind on many bills and many debtors worked with his. I advised Capital one of the situation when I paid {$250.00} on my balance of {$420.00} and the lady I spoke to my payment and even waived XXXX late fees for but never advised me account was restricted. I did not find that out to after my {$250.00} posted on my account and rep told I could not use my account because I feel behind. I was never told my account was in danger of being restricted and I even made payments when I got some extra money during the time my wife was off work. I have XXXX kids who I have to feed and keep a roof over their head. I called again today on XX/XX/XXXX and they told someone noted the account as speaking to me and telling on XXXX XXXX my account was going to be restricted. I was once never told my account was being restricted at all. Even when I spoke to reps about my unfortunate situation during the time I fell behind. I just do n't get how a company can go off internally notes from a rep saying they spoke to me about my account becoming restricted. I never received a letter or a message on my account of my account becoming restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A representative named XXXX from a company called XXXX XXXX out of a Texas called two family members of mine saying they needed to serve me with papers. 

My mother forwarded me the number they called from so I returned the call. Spoke with a woman named XXXX. She claimed I was not supposed to be given this number but said she would help anyway. She informed me I had an account with XXXX XXXX from XX/XX/XXXX that had gone into collections in XX/XX/XXXX. I've never received any mail, calls or emails regarding this. She informed me that if I paid {$760.00} by XXXX XXXX today ( XX/XX/XXXX ) I would be served with a summons. She claimed I could use anyone 's credit card so long as they signed the paperwork she would be emailing to me. I never received an email. 

I contacted XXXX/Wells Fargo. The collections department informed I was in good standing with them and that there was no record of my account or debt. Regardless of the amount of time that passed there should still be a profile for me and that there was none. They instructed me to not pay or provide information to XXXX XXXX  and had no record of ever using them for any purpose. They also informed me that they never threaten to sue customers over past debt and that they've had an influx in scam calls recently. 

When I called XXXX back I did not get an answer at first. No answering machine either. I called again and informed her of what the bank said. She immediately became unpleasant and offered to put a manager on the phone. After a brief hold XXXX picked up again and simply said that I would be receiving papers within a few days. I said I'd happily contact my lawyer and she hung up. I've already spoken with someone at the FTC who agreed it sounded like a scam as did the rep from XXXX. 

The number I called to reach XXXX XXXX is XXXX. I am happy to follow up with whomever necessary to make sure this is handled.

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 12/29/2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On or about XXXX XXXX, I discovered that my bank, Navy Federal Credit Union, had authorized a fraudulent XXXX XXXX transfer. I reported it as soon as I discovered it, approximately one day after it actually happened. I was notified on XXXX XXXX that they believe it was not fraudulent, and that I authorized the transaction. The only evidence the " investigator '' reviewed was the phone call ( comparing our voices ) and the name of the recipient of the transfer ( apparently myself ). He failed to ask me anything relevant to the transaction ( he only asked me about my military rank because he believed it to be an error in the system ). If he had, he would have determined that I was not in the apparent location of the received funds, in FL, but rather in NC. It 's beyond belief that he 's relying on the fact that the funds were received in my name -- my identity was stolen, of course the criminal could make a fake ID with my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (KY).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: OnXX/XX/XXXXI applied for and was approved for a Discover Secured credit card. OnXX/XX/XXXX they electronically removed {$1000.00} from my savings account to secure the credit card and assured me I would have the credit card within two weeks. I never received the credit or any accompanying information that I should have received. Once it became obvious I was not going to receive I called and had them cancel that card and they did and said they were re-issuing another card on XX/XX/XXXXand I should have again within two weeks. Again, I did not receive this card or any other correspondence from Discover. After the appropriate time I called back and talked to XXXX who could not offer any solutions so she transferred me to her supervisor XXXX. All XXXX was willing to do was the same process that had failed twice before. I asked if we could overnight card so could be tracked but she refused. I had them cancel this card and asked that they return my {$1000.00} security deposit. As far as I know she closed account but said it would be two billing cycles before I would receive my deposit back but after discussing she agreed that since I had never received my cards she would expedite and I would have in ten days. I asked if could do electronically as they took it they way but she again refused. I tried calling the executive office consumer number several times to see if I could get help here but they never answer and never returned calls from messages I left on their machine. I called back next day to make sure that my deposit had indeed been expedited and I talked to XXXX in the ohio office who confirmed account had been closed but did not see that deposit had been expedite so after explaining all to her she went and talked to her supervisor and assured me would have in the ten days. As of todayXX/XX/XXXX I still do not have and when I called today and talked to XXXX in XXXX I was pretty just told I would have to wait more days. I would really like some help with this as no one seems to want to help me at any turn. I would like my security deposit returned ASAP. I did everything I was supposed to do on my end I even made sure it was not a postal issue that causing problem. Incidentally I get tons of email about my new account that I have never had wanting me to activate the card I never have received.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked many times for proof for this item on my credit because I have never heard of the original provider. I have never been to the location. They have NOT been able to provide me with any proof showing this is my debt. There is no paperwork, no signatures. It is a fraudulent charge.

Company response to consumer: Closed with explanation