milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with United Student Aid (USA) Funds (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This Corporation has shared my information with Credit reporting Agencies. This IDENTITY THEFT XXXX XXXX. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX 2017, a data breach at Equifax caused personal information of several consumers including SSNs, addresses and names to be compromised. Equifax provided a website ( https : //www.equifaxsecurity2017.com ) to check if a particular consumer 's data was compromised in the breach. I input my information and the website told me that my information was possibly compromised. 

Equifax provided a 1 year complimentary credit monitoring service for consumers who were affected in the data breach. However, in the Ts & Cs,  Equifax states that by accepting the complimentary credit monitoring, consumers agree to arbitration and waive any right to pursue judicial action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've received several collection phone calls from Shellpoint. When I initially spoke with a representative from Shellpoint, I asked that they not contact me at my work number nor my cell phone number and I provided all of the contact numbers I had for my ex-husband. I explained ( to both XXXX and Shellpoint ) that this property was awarded to my ex-husband in divorce and I did everything in my power, including obtaining an order to force him to sell or refinance the house. He fought the order all the way to the state supreme court and lost the case, this XX/XX/2016 I left XXXX marriage, purchased a small house and did absolutely EVERYTHING that the law would allow to force my ex-husband to be responsible for the XXXX XXXX residence. I provided all of this documentation to XXXX XXXX XXXX with the understanding that although this was adjudicated through the divorce court, there would be no acknowledgement of such by the Bank. I asked to not be contacted via my cell phone nor my work phone with both XXXX XXXX XXXX ( who stopped contact ) and with Shellpoint ( who continues to contact me ). Upon my first contact from Shellpoint, ( XXXX XXXX at XXXX ) I explained the entire situation once again and stated that I provided XXXX both a verbal and written request to not contact me at work or cell phone number. I was told by the customer service representative that the request made with XXXX did n't matter and I would have to go through a similar process with Shellpoint. I stated then to consider this call as my request to cease contact and hung up. The Shellpoint representative subsequently called my work phone number back again ( XXXX XXXX at XXXX ). I did not pick up the call. I just received another call today, XXXX XXXX, 2016. 

When the loan was with XXXX, I said that I would sign and execute any documentation needed by XXXX XXXX XXXX to facilitate the foreclosure. XXXX XXXX XXXX then sold this loan to Shellpoint, in the midst of the foreclosure process, and now Shellpoint is calling me. This foreclosure process has lasted almost 3 years with no end in sight. I 've taken a huge hit to my credit, since this and the second mortgage is being completely ignored by my ex-husband and have provided XXXX XXXX XXXX and Shellpoint with all of this contact numbers and information I have. I 'd like for this to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Making/receiving payments, sending money

Complaint: My wife paid a bill that did n't go through that came out of checking account 2 times wells Fargo put back XXXX payment then the other but took back XXXX $ which is still in question because I would like my money back I had XXXX $ and some odd change in my account before the transaction. I 'm still missing a XXXX $ I 'm not happy with the way they handled my case I want my XXXX back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 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 is missing that should be on the report

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection service leaves a message with a phone number everyday on my recorder for a debt incurred by someone else not in my household. I call the number and leave messages that I am not the individual they are trying to contact and that no one lives there by that name. I ask for a call back. Now, the voice mail box is full and not accepting any calls. Literally these calls are in the hundreds now and quite frustrating since I owe no one anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Nation Star Mortgage payment electronically debited from my checking account without my consent. XXXX {$1600.00} was debited from my account and on XXXX {$1600.00}. This resulted in XXXX mortgage payments within same billing cycle. I called on XXXX requesting funds to be returned in the amount of {$1600.00}. I was instructed to fax statement showing funds were debited from my account ; I did. I was promise the funds would be wired ; they were not. I called XXXX I was advised they needed to XXXX way call my bank to verify funds were debited from my account ; we did verify funds were debited from my account. Agent XXXX, ID # XXXX promised to deliver a check via XXXX and provided a tracking #, XXXX. On XXXX called XXXX to discovered this was an invalid tracking number. I called Nation Star and I was placed on hold then hungup on after waiting XXXX mins. I called back to discover that no check had been delivered. Supervisor/Agent XXXX, XXXX ID XXXX advised that the funds would be returned to my bank account ( same accounts were paid from ). I was advised that since I was filing a CFPB complaint the call needed to be escalated to higher member of management. XXXX, XXXX ID # XXXX assured that {$1600.00} would be reversed and back into my account by the morning of XXXX. XXXX provided a ref #, XXXX. I also disputed the amount of the loan when it was transferred from XXXX XXXX XXXX. Nation Star has refused to assist me with this process. They deflect the responsibility back on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Have written in to XXXX and Equifax concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXl, XXXX XXXX, XXXX , XXXX , and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Roundpoint, increased my monthly payment due by about {$500.00} based on wrong property tax projection for the town of XXXX. They paid wrong amount to the town XX/XX/2016 and got refund XX/XX/XXXX from the town. Their escrow analysis for this year is based on the wrong amount they got refunded XX/XX/2016. Since I get tied of the mistakes they have made and overcharging for my escrow account, I requested the removal of my escrow account. They denied my request without justification. they stated that the loan to value ratio is greater that XXXX % but it is actually less than XXXX %. They also claimed that I have PMI, but currently there 's no PMI on my loan and I have not paid PMI out of my pocket. 
Customer service has not been able to answer to any of my inquiries and they don ; t allow me to talk to anyone who could answer to my questions and request.

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 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have ben gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

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 02/18/2017 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Other fee

Complaint: For a few years I 've had a Credit Card called " Ink '' from Chase Bank. It is a revolving credit account. My payment due date is the XXXX of each month. On XX/XX/2017 I went online as usual to access and make my payment. However, in this case, the Chase Bank CC account indicated my Total Account Balance was {$11000.00} and due to an unrelated legal settlement recently received, I had the funds necessary to pay off several debts including this Chase Bank Credit Card. So, on the due date ( XX/XX/2017 ) I paid in full the entire Account Balance of {$11000.00} without hesitation. Subsequently, by mail I received an new Credit Card Statement claiming that now, after the fact of my having " paid-in-full '' the account balance, I suddenly owe Chase Bank, on XX/XX/2017, " Interest Charges '' of " + {$200.00} '' dollars! Chase Bank is charging me a " Purchase Interest Charge '' of {$71.00} and a " Cash Advance Interest Charge '' of {$92.00} and a " Balance Transfer Interest Charge '' of {$36.00} to attempt to justify the {$200.00} total Interest Charge. When I contacted Chase Bank Credit Card services by phone and asked how this after-the-fact Interest was possible, CHASE BANK ACKNOWLEDGED I had indeed " paid the entire account balance in full ''. BUT, claims this is " because our billing cycle on the account balance you paid off did not include 'new ' interest charges we calculated to your account, even though you paid your account in full. '' WHAT!?!?? 
HOW IS IT LEGAL OR LEGITIMATE OR ETHICAL TO CHARGE INTEREST TO CONSUMERS AFTER A CREDIT CARD ACCOUNT HAS BEEN PAID IN FULL?!??! 
This deceptive practice is unethical, illegal, and fraudulent on the part of Chase Bank Credit Card services ... .and in essence is allowing Chase Bank to continue to charge consumers ex-post-facto of our having " paid in full '' a Credit Card Account Balance. This fraudulent, damaging practice by Chase Bank should be immediately stopped by the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Regarding the Wells Fargo settlement, i was forced to obtain : 1- a checking account and 2- a home equity line of credit which was ultimately restricted ( i am not able to use the available funds based on my original credit line ) Please advise how much of the settlement i am entitled to thank you 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 03-06-2018 about Debt collection (Other debt) with Omega RMS, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX To Whom It May Concern, I signed a contract with XXXX XXXX, XXXX, XX/XX/XXXX, and called to cancel in XXXX of XXXX due to hardship. My account was current when I tried to cancel but the company stated I had 72 hours from the time I signed the contract to cancel. The contract contains no information on a cancellation policy. XXXX XXXX would not cancel my contract but closed my account in XXXX of XXXX. I have had no access to their program or software since, but they have continued to charge me for their services. 

I recently found out with the help of legal professionals in the XXXX XXXX that XXXX XXXX   opened a revolving line of credit in my name when I signed said contract. I gave XXXX XXXX a {$250.00} deposit when I signed the contract under the impression that I would be paying them the money, and made 2 monthly payments of over {$200.00} for XXXX and XXXX. I never authorized XXXX XXXX   to open a revolving line of credit in my name nor was I aware that is what the company would do. I never signed a contract with anyone other than XXXX XXXX, XXXX. 

In XX/XX/XXXX, a company by the name of Omega RMS placed an account in my name for collection and reported this to the credit bureaus. They are currently reporting I owe {$15000.00} to XXXX XXXX and continue to add late fees and interest every month. Again, I do not currently have access nor have I had access to any products or services offered by XXXX XXXX since XXXX of XXXX and I was not aware they would open a revolving line of credit in my name. 

I paid XXXX XXXX for their services until the time they closed my account and would like to ask Omega RMS and XXXX XXXX to clear this debt in my name completely, and to remove this debt from all credit reporting agencies. This has caused me extreme emotional stress for many years now and is the one thing that has kept me from purchasing a home for my children. 

I have paid dearly for signing a contract with a company that uses deceptive tactics and lures people into contracts they can not cancel. At the very least I am sure that by most states standards I have likely reached the statute of limitations for this debt since XXXX XXXX, XXXX closed my account in XX/XX/XXXX and would ask that any government official or credit agency official authorized remove this debt in my name. 

Sincerely, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is continuing to report erroneous information in referenc to XXXX accounts that do not belong to me, have no/cancelled contract, and have been previously deleted and reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (I do not know) with Evans Law Associates, P.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from people claiming to be with Evans law associates. They say I or my representive need to contact them about some dept they say I supposedly owe. I have XXXX spoken with them directly, they leave massages on my answering machine asking for XXXX, my name is not XXXX nor do I know anyone by that name. I do XXXX wish to contact these people directly or give them any information, as I believe this to be a phone scam. I do n't believe they are following the law if they are legitimate as I have received phone calls before XXXX am and never received any notice from anyone about any debt I supposedly owe. XXXX of the callers identified himself as XXXX the others did not leave their names. The return phone number is XXXX. I would like all contact to stop.

Company response to consumer: Untimely response
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am aware that Transunion had two separate glitches and my inquiries were deleted and then re-added once the glitch was discovered. I am well aware of my legal rights and legal protections and they failed to notify me in writing within 5 days prior to re-adding the inquiries to my credit report. I contacted Transunion in good faith and asked them to delete the inquiries that they illegally re-added. These inquiries add a hardship and I feel like my rights were violated by Transunion.

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 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have not had any success removing this incorrect entry on my Experian credit file. It returns as verified, but It is too old to be on my credit file. The last payment was made on XXXX XXXX. Thank you. 

XXXX XXXX XXXX Account Number XXXX Auto Installment Loan {$3600.00} Past Due Date Opened XXXX/XXXX/XXXX Account Status Closed

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