milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX, Experian , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit was pulled by Credit Plus. They were checking rates for refinanced mortgages and did NOT have my authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit determination

Complaint: My wife went shopping at Best Buy, at the check out the check out person asked if she had her rewards card, my wife replied no thinking it was common practice to give the cashier your phone number to receive what ever discounts were available. Cashier asked her phone number and her address but when she politely gave her ssn number she caught herself a second to late. When she came home and told me about it I said something was n't right. After being warned never to give out to much information she was worried. Sure enough, we called the store the same night, only about 1 hour later and found out she was to receive a credit card. She did not want it so she denied she applied for credit and asked for the process to stop. Store insisted that they could not reverse the application and it had already went through. I checked our fico score only to find out that not only her credit was affected but mine as well for a closed account. We called again asking how did we close a account which we never receive a card or applied for XXXX all in a manner of 1 hour of time. But they did not want to help, I found out that the cashiers are pushed to open new accounts. I was n't even there and my credit score got hit by XXXX points for closing a credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Debt collection (Mortgage) with Ditech Financial LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was paying my debt on time but paying extra. I wanted the extra to go toward the principle. Anyway they did that and that changed my next do date without me knowing. Then the calls started XXXX at night and after speaking to someone they called XXXX that morning. After paying XXXX the next morning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Adler Wallach & Associates, Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been the victim of ID theft, I have had all of my personal information compromised and lots of accounts opened in my name and also and IRS fraudulent tax return filed. I have a recent dispute the credit bureau because of have dispute some fraudulent accounts with them and they have yet to remove them from my account. I 've sent them police reports and other supporting documentation ....

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loan, my mortgage servicer, continues to call me everyday but refuse to tell me what it is about. The agent asked for my social security number and address and I refused based on the ground they called me and I have no way of knowing if they are identify thief. I asked for email or direct mail to detail the matter they would like to discuss but they simply say the phone call will continue. My mortgage is current. Please make Caliber stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have been banking with  BB & T for a number of years. I was recently charged over {$200.00} for overdraft fee 's because the bank continues to clear charges when there is not enough money in my account to cover the new charge instead of declining my attempted charge. BB & T charges {$35.00} per over draft and some of these recent charges were on purchases of less the {$10.00 }. They have never suggested a solution! I feel this is very unfair - the bank should decline my purchase instead of paying it if there is not enough cash in my account to cover. They will not refund their charges they are very uncaring, its just the way it is. If I carried large daily cash balances would they treat me like an untouchable, "  XXXX  No ''! It appears to be a wonderful source of free money to them. I would pay less of in penalties using a loan shark. I have been charged {$35.00} on an overdraft of {$2.00}. There should be a percentage limit or dollar amount based on the amount of the overdraft.

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 07-08-2015 about Debt collection (Credit card) with Solomon and Solomon, P.C. (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been sent an email from my employer that I have a Writ of Garnishment on my wages. I printed out the information and it does not or have I ever been notified what credit card debt this is from. I thought I needed to be sued first before having my wages garnished. I did not receive a summons of the suit and therefore could not represent myself to defend this issue. The issuing court was the state of Connecticut XXXX court. XXXX ID : XXXX. The debt collector is Solomon and Solomon, PC XXXX XXXX XXXX XXXX XXXX XXXX.Phone number XXXX XXXX XXXX XXXX is the Marshall from the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number : XXXX. The only debt that was in collection was XXXX XXXX for {$5600.00} and that has been over 7 years which is the statue of limitation since XXXX of the credit reporting agency 's dropped it off my credit report thru XXXX XXXX. That debt started back in 2008. The amount they are garnishing from my paycheck is {$7500.00} Have not been contacted before this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The XXXX XXXX XXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XXXX due to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XXXX to let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit card () with Atlanticus Services Corporation (TX).
Issue: Billing disputes

Complaint: On XXXX XXXX, I made an appointment with XXXXXXXX XXXX about considering possible XXXX. I was told I was an excellent candidate.They treatment was {$580.00} which they financed through FORTIVA, XXXXXXXX. Less than two weeks after the treatment I went back and spoke with the Manager and said the treatments did not work and now I have a XXXX. She told me she would get with her Regional Manager and get it resolved. Two weeks passed, i heard nothing so I started to call. They said they would refund the unused XXXX units I disputed the total transaction with FORTIVA and their response was a copy of the contracts I signed with XXXX. I have since written FORTIVA telling them that the contract I agreed signing however this was obviously not the dispute. I have not had a response. They however did send me a letter threatening to wire off my account and report me the credit bureaus. XXXX did offer me an appointment in XXXX to resolve the issue then cancelled the appointment. I now want a refund to the account and do not wish to do any further business with XXXX. FORTIVA appears to be clearly on the side of XXXX and directed me to resolve with them. XXXX has made it clear and thus I demand a full credit and the account removed from my credit bureau trade list. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-04-2016 about Debt collection (Credit card) with Abendroth and Russell, P.C. (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Also part of this is " Not enough information to verify debt i.e. amount of debt & name of creditor. '' I received my bi-weekly paystub in XXXX 2016 and noticed a garnishment. I contacted my payroll department and they told me they work with this law firm all the time. I reached out to the law firm named ABENDROTH and RUSSELL LAW FIRM to verify the debt. The law firm told me the debt was with XXXX. I have never had a debt with XXXX. I asked the law firm to provide me with the mailing address and original paperwork for the debt. The law firm was unable to provide this. ABENDROTH and RUSSELL LAW FIRM then stated they would send me what they had. I have attached what was disclosed by the law firm ; it still does not validate the debt as I was never with XXXX. 

The last credit card I had, besides the low balance XXXX XXXX card that I have now, was over 10 years ago. If this debt is somehow valid, why is it being garnished today? I was never served in this matter to bring up the statute of limitations. If the collection agency knows where I work then I should have been served. Also, I believe that based on the case numbers provided on the information from the law firm that this is an old debt ( not XXXX ) that I 've already been garnished for. I 'm bringing this second piece in as you will see the case numbers. I have looked the case numbers up and I will be providing the court notes on those. 

1. Whatever the case may be, I do not owe XXXX and ABENDROTH and RUSSELL LAW FIRM does not have any paperwork showing I do. 

2. I need help determining next steps as it appears I 've paid this debt twice - once by the original creditor and also by a 3rd party debt collector. You 'll see the case numbers opened a year apart. Why is this allowed to double garnish someone for the same debt and then re-open the debt in an attempt to garnish for a 3rd time? The court case shows {$0.00} owed. 

3. When this went to court, without my knowledge, why did n't the judge look up the debt to actually confirm it? If this step was taken, then the judge would have found that this debt was paid in full. I also want information on how to take this matter further as who knows how many others have been victim to this same scenario.

Company response to consumer: Closed
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My account was opened on XXXX/XXXX/XXXX under a promotional offer of " Open a new checking account with direct deposit, receive a {$200.00} bonus withing 60 days ''. 

The direct deposit was posted to the account on XXXX/XXXX/XXXX. I 've contacted the bank on several occasions via online messaging. First advised I did qualify for the promotional offer and it would be credited. Well after sixty days had passed, I contacted BBVA again via online messaging, and advised I would need to call customer service.
Upon calling customer service, I was advised " yes '' the offer should have credited to my account and it was their mistake it had n't. They now inform me that I must present to the bank in order for the their mistake to be corrected. I fail to understand why my presence is required to correct a promotional offer -bank mistake. I stop by a branch, and was advised to call customer service.
Below is the fine print of the BBVA Compass {$200.00} XXXX Checking Offer. 
You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, and Easy Checking.
Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.
The account must be opened at one of the participating branches above or via XXXX, Option 2, with the account housed at a participating branch.
There is a maximum of one ( 1 ) bonus per household.
Promotion is not available for accounts opened online.
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2015 about Debt collection (Medical) with Radius Global Solutions LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The claim is false. It was not submitted to the insurance company as indicated. It contains false statements as payment collected from insurance and states incorrect information. I had issues with XXXX XXXX XXXX XXXX in the past. 
Basically, either the bill was not submitted as required or I am not the patient that received this service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have XXXX hard inquirings from XXXX/2015. It has been over a year now. Should these inquirings be taken off my report? All of these were concerning an auto loan, which was financed through another company not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The credit bureau has several incorrect addresses on file. I have informed them to remove the inaccurate information from my credit file. However, the incorrect information remains on my report. I have provide Transunion with the correct address and employer that should be listed on my credit file. The inaccurate information still remains on my 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 03/15/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wakefield and Associates made numerous calls, when I answered the phone they hung up.Secondly, I requested proof of the medical bill they said I owed. Never sent me proof, and ruined my credit with XXXX XXXX Here is the current history of this corrupt company How many Complaints are there against Wakefield & Associates?

As ofXX/XX/XXXX, the XXXX  has closed 149 complaints against Wakefield and Associates in the past three years, with 75 closed in the past twelve months. The largest percentage of complaints alleged problems with billing and collections. Most of the remaining complaints are fairly evenly split between advertising and sales issues and customer service issues. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has logged 129 complaints against Wakefield, and XXXX  lists at least 6 cases of civil litigation naming Wakefield & Associates as a defendant.

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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

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 04/21/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from  XXXX  to Nationstar mortgage on  XXXX   XXXX  , 2017.   XXXX  says payments they receive from their former customers will be forwarded to Nationstar mortgage for 90 day s. Nationstar 's w eb site says that payments will only be forwarded for 60 days. Which is correct? Is this a way fo r Nationstar to i gnore customer payments sent from  XXXX ? Please clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We received a notice of foreclosure from XXXX in XXXX. We attempted to modify the mortgage and have correspondence noting that due to health issues and the disrepair of the property we could not maintain the current mortgage. We hired an attorney to complete Deed in Lieu which required that we put the property up for sale. Followed all directions. No offer. Contacted XXXX to complete deed in lieu, informed that representative could not speak to us. Notified XXXX we could not keep property at current payment. Moved in XXXX XXXX. House in foreclosure. Received notice that Bayview was now mortgage company ( servicer? ) They began sending mortgage statements and asking if we wanted to remain in home. We again made it clear we can not afford current rate and asked about the deed in lieu in which we paid an attorney to handle sale of property. Bayview said all we needed to do was sign a document verifying deed in lieu. Received instead request for new information. Bayview 's correspondence and telephone messgages indicate that they are a debt collector ; however, they have incurred two additional years of debt on a property we have repeatedly told them we can not afford. XXXX sold a mortgage for a foreclosed property with the intent of accumulating additional debt on a property that had already been foreclosed upon. I have XXXX XXXX. My husband has XXXX XXXX. We are unable to afford the cost of emptying out the property. Yet we continue to receive mortgage statements for a property we did everything to avoid foreclosure upon, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I bought home and it has been transferred to Chase bank under M e r s. 
Chase did not report a lot of my payments. I had to file bankruptcy to keep Chase from stealing my home. I paid my home and I have been asking Chase to send me all of my statements but they refuse. I have equity in my home that was stolen. This is so wrong. Please Help Me!!!

Company response to consumer: Closed with explanation