milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with GC Services Limited Partnership (CT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I am currently disputing multiple errors on my credit report, and have been threatened in the past for bank accounts I do not have. I have been called from XXXX to XXXX daily for months by a man giving his name only. He will not tell me what the debt is regarding, and has refused to tell me anything until I give my full address and verify my full name. I have no idea who this man is, and he calls from various numbers. I told him that until he sent verification or disclosed anything about why he was calling, I could not verify my name. The most upsetting part is that I had a major accident XX/XX/2016, and have XXXX. Basically, I have had XXXX, and this one was so bad that I had to wait months before I could form sentences, and my XXXX is still recovering. This man called during this time, in XXXX 2016, when my memory was spotty. I do n't remember speaking to him except to tell him that I had a concussion and was not ableXXXX to speak well or remember, but when I checked my credit report ( XXXX ), an unknown account was charged off because of whatever I said when I was recovering from a XXXX. The date is the same, and it 's quite a coincidence. I 'm disputing the account, so should he be calling me? 
It took a lot of time, XXXX, but I believe this man, XXXX something, who last called from XXXX on XXXX/XXXX/2016, ( it 's now disconnected ), has been harassing me for some debt I can not trace, even on my credit report. I have student loans, but in deferment because I 'm XXXX, and no other debt collection calls. This is crazy! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Payday loan () with Fitzgerald Goldman & Associates, Inc. (TX).
Issue: Can't contact lender

Complaint: The company Fitzgerald, Goldman & Associates XXXX XXXX XXXX contacted me via an automated call today at my place of employment after being told not to call me at work. I called them back LIVID and told them once again not to call me at work. She said that they would continue to call until I made arrangements to pay the debt. I asked who the original lender was, she said that it was a payday loan but would n't give me the name of the company. I told her that they needed to contact me via mail with documentation. I told her that I had never received any correspondence. She said that had sent correspondence. She is a LIAR. I have NEVER gotten any correspondence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I need to bring to attention a problem with a credit card at Chase. They offered a interest free promotional period that ended on XX/XX/XXXX. Their tactic was deceptive and I was mis informed about what amount exactly was due. They have 2 amounts due on the statement.

The interest free promotional period ended on XX/XX/XXXX however my billing cycle ended on XX/XX/XXXX. I even CALLED into Chase to verify exactly how much I needed to pay to avoid an interest fee and they said that if I paid off the balance I would be fine.

My balance owed by XX/XX/XXXX was XXXX. I paid XXXX on XX/XX/XXXX. I called Chase and spoke to XXXX XXXX to remove the finance charge because no where on the statements did it say that I had to pay anything other than XXXX. 

There is a tiny tiny amount on my statement at the VERY END and bottom in very tiny print that says I owe a DIFFERENT amount by XX/XX/XXXX. This practice of having 2 amounts that are due at different times in different locations on the statement in small print at the bottom is deceptive. I even called to verify because it was so confusing. This information should have been at the top of the statement in bold print but the reason why it is n't is because it is conflicting and says two different amounts!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I originally had an account with XXXX XXXX back in XXXX, I filed for chapter XXXX, and that account was included. While the ch XXXX was underway, the original company sold this account to calvary portfolio service. My bankruptcy was successfully discharged as of XXXX/XXXX/XXXX. Recently, last week calvary portfolio began sending me collection letters AGAIN, offering me a settlement which violates my terms of my chapter XXXX case that was completed. I will included my discharge letter, a page from my credit report and the original account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Credit card () with PNC Bank N.A. (MI).
Issue: Late fee

Complaint: I have been set up for payment reminders and online banking/statements for all of the accounts I have with PNC bank. I regularly receive statements and activity for my checking account. However I keep getting late fees for my credit card account because their system does not send the reminders to my phone or email even though their website states I am actively enrolled. When I called in to inquire, they just transfer me around and no one can figure out why I am not receiving credit card statements or payment reminders and I have had to pay multiple fees because of this. Payment reminders are my preferred method of keeping up with my bills. Every other company can send reminders except PNC.

Company response to consumer: Closed
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX XXXX several accounts was opened in my name without my knowledge, 1. XXXX XXXX loan {$37000.00}, 2. Chase Auto loan {$8500.00}, XXXX. XXXX XXXX Credit card {$2500.00}, XXXX. XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Wells Fargo customer representative made an UNAUTHORIZED change to my account without my permission or knowledge. The representative reported a legitimate charge to the fraud department and put a stop payment on the vendor after an unpleasant exchange where I explicitly asked her not to do so. 

Subsequent Wells Fargo representatives were not helpful in resolving this issue. I had to call several times, spend more than two hours on the phone, and worked with six different representatives to address specific aspects of the problem. I am still not sure the issue is fully resolved. The entire process was unnnecessary, time-consuming, and frustrating.

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 01/20/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (OH).
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint: I received a prepaid XXXX from a company called XXXX on XXXX XXXX, 2018. It already had my babe embossed on it. I couldn't get through to a live representative because the voice machine wanted me to provide a card number or my social security. I gave the card number but it tried to get me to activate it using my social which I was not going to do. I was worried that someone has fraudulently applied for this card in my name. If not and the company just sent me a card like this without any request then I feel that is a security risk. What if I hadn't lived at the address or someone else managed to activate this card they sent me?

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 07-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Due to the increasing issues with this Credit Agency in addition to a majority of others, I 'm including the recent Statement Details as of the most recent Statement with this Card issuer : XX/XX/XXXX-XXXX 2017 Statement : Annual Percentage Rate : 26.74 % ( variable ) Balance subject to interest rate : {$780.00} Interest Charge : {$17.00} I have some concerns about what this company refers to as Promotional Purchases. The statement reflects a vague account of this type of Purchase yet includes a balance which has a separate Interest Charge. The Average Daily Balance that I 'm getting also raises some serious concerns. I have done some additional research and have found other clients of this company having the same issue where it appears either Interest and/or calculations relating to balances are being miscalculated in favor of the Credit Agency. <P/>I 'm showing some conflicts with regards to the Average Daily Balance calculation, perhaps as a result of certain transactions not being listed and/or credits not being fairly adjusted.

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 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, I live in Oregon and I have this situation with the banks. I received documents from Deutsche Bank national Trust Company and they are saying that I owe them money for some kind of judgment. I 'm not aware of any judgment especially from Deutsche bank. I 've had my loan sold to XXXX XXXX and I believe Deutsche bank already received money for selling my loan from XXXX because now XXXX has my loan and is asking me to pay my mortgage to them and XXXX is sending me my monthly statements. So why is Deutsche bank is after me and why is there a judgment when they already got paid for this loan by XXXX? 
Deutsche bank put a Sheriffs sale on my home for XXXX/XXXX/2015. I 'm very confused why they would do this and to me it seems like they are doing something very fraudulent here. I would like to stop the sale completely so that I could hire an attorney or if your company ( CFPB ) can provide a good one or recommend one so that I could have them investigate this matter and resolve this fraud. Please give me some time to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In correspondence dated  XXXX   XXXX ,  2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15, XXXX checks were deposited into a longstanding business account equaling {$4100.00}. BB & T Commercial Bank then closed the account the day after and decided to keep the money that belongs to my business for as long as THEY WANT TO! When I realized that my account was closed on the XXXX of XXXX, I went to the bank to find out what happened. The bank manager REFUSED TO REINSTATE MY ACCOUNT without giving a valid reason for this behavior and claimed that the money will be mailed out to our address on XXXX XXXX, which is far too long into our future, not to mention waiting an extra 5 days for mail AND no way to cash it! My business relys heavily on this account having {$4100.00} in it NOW! If they do not pay me now, my business is at RISK! I know it must be illegal to hijack {$4100.00} from a patron while making interest the entire time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting inaccurate personal information on my credit report that needs to be deleted.
Incorrect Names : 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect SSN : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : XXXX XXXX XXXX  Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 non-monetary relief
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm XXXX. We have a unit owner who has paid NO common charges in over XXXX years. She presently owes our XXXX over {$100000.00} and we have no remaining recourse because the bank refuses to foreclose on the mortgage. We would like the bank to foreclose and reimburse us for maintaining THEIR property for all these years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: HI. I have written you prior to this. Wells, Fargo mortgage sent out a letter that they are investigating my complaint and we would both have an answer by XXXX XXXX, 2015. I still have not heard from the bank. They were suppose to be reviewing a loan modification for us. 
Our home is still under sheriff sale for XXXX/XXXX/2015 ( it is not suppose to be under a sheriff sale while you are going through a loan modification and should be removed from the list - it is XXXX XXXX sheriff sale number XXXX for XXXX/XXXX/15. In addition, I submitted all the paperwork on XXXX XXXX to do the loan modification and then got a letter back from Wells, Fargo that to much time had lapsed right after I sent in the paperwork!!! They also had an appraisal done and the home is not under water. 
I sent you a letter with all the information on XXXX XXXX, 2015 as well and another complaint afterwards to let you know about the " to much time has lapsed ''. Please help. We live on a farm and have horses, etc. I ca n't sleep at night and do n't know what is happening. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information no knowledge of accounts cra violation please remove from the credit bureau

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 08-10-2017 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 belongs to someone else

Complaint: Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all XXXX negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent XXXX certified letters to Experian over the past 90 days asking them to supply proof that the items being reported are legitimately mine. They have failed to provide me any information proving the debts are mine. According to the Fair Credit Reporting Act they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They must under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The following tradelines being reported that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me with Experian. This negative information is affecting me personally and very damaging. I can pursue legally but trying to avoid this route. Please provide assistance. Thank you. 

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 non-monetary relief
Consumer complaint received 01-10-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MI).
Issue: Shopping for a loan or lease

Complaint: After an internet search on a " XXXX '' website I was contacted by XXXX XXXX in XXXX XXXX XXXX. The particular salesperson who gave me a firm offer to purchase a new 2009 XXXX XXXX XXXX, with the exact options I need was not available when I went to the dealership to purchase the vehicle and sign fraudulently induced loan documents with XXXX XXXX XXXX XXXX, my note eventually sold to Ally Financial Services. The salesperson had me " robo-sign '' documents in blank. He acted fraudulently as I had automobile insurance at the time on the vehicle I owned before I bought the 2009 XXXX XXXX XXXX, with the XXXX XXXX of XXXX, and told the agent of Ally. Instead, he fraudulently went, upon information and belief to some local insurance agent he had an arrangement with, and without my consent purchased automobile insurance with a company I have never heard of, XXXX, who I never purchased an automobile insurance policy from, as I was insured with XXXX, but they are still reporting on my credit report as a negative collection account. Further, the salesman knew my son, XXXX XXXX was not licensed as a XXXX Driver, and as I was told after the fact by XXXX XXXX, the dealer should have never sold me the vehicle, as my son, was the primary borrower as I needed his income to qualify. Ally through their agent at XXXX XXXX told me I was getting XXXX which I did not receive based on the agreement I signed in blank. The dealership was told my son 's father, XXXX XXXX, ( XXXX-of blessed memory ) lived in XXXX XXXX XXXX, and my son said they could contact him as an emergency contact. The fraudulent salesman told XXXX that I lived in XXXX XXXX, and my son did, which caused a major family conflict. I have never lived there, nor has my son, as the dealer had my driver 's license, and my son XXXX State of XXXX Identification. Ally refused to provide me with accurate accounting on my account. I should have been paying on a new car loan as a priority buyer, not the figure they submitted to XXXX on the document I signed in blank.Please investigate Ally and have them refund to me the monies they owe me for their agent, XXXX XXXX putting in fraudulent figures, and acting fraudulent in violation of then existing XXXX XXXX policy, and in violation of the rules of the State of XXXX Department of State regarding new vehicle registration.

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