milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I had originally contacted XXXX XXXX, which I had agreed to pay a loan at 135 % interest for XXXX years until it was paid back. They sold my loan to CashCall, and I still paid religiously from my checking account for over two years. I was paying nearly {$300.00} a month when I only borrowed {$2400.00} originally. I finally got sick of them taking money from my account and told my bank that they were no longer allowed to continue to receive payments, because the last XXXX times they caused my account to overdraw. Now they have been calling me daily from several different numbers almost every hour trying to get me to pay them. They even called my job and I spoke to one of their representatives and told them that I was no longer going to pay them because I had paid them every month over the last XXXX years and XXXX months, and feel that I have more than covered the amount that I originally borrowed and the interest. I had to tell them to never call my job again. According to my math I have paid them over $ 8k and honestly feel that I do not owe them anything more. I have even been receiving calls from a Private Number repeatedly that I refuse to answer because I think it may be them and I really have nothing more to say to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In XXXX of 2014 I went to Wells Fargo to apply for an auto loan to which I recieved but only because I also was told I needed to open a credit card account with them in order to be approved for an auto loan. Being a young man wanting my car I thought it was legit being that this information was coming from my bank. Fast forward 4 years and this is not the cause. Causing me multiple headaches in fees and interest over a credit card I never needed to open in the first place. Wells Fargo has ruined my future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and it adversely affects both my credit report and my background check information. I have an identity theft pin with the IRS for filing my taxes and I have 1 letter documenting that someone else has been using my identity in another state. What can I do to fix my credit score and background information?

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 06-11-2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was a result of identity theft and I have not only informed Bank of America, but I have been in contact with the FTC and the FDIC and recieved a packet of information that I am sending relevent information as well as a file from XXXX. I know you were notified that XXXX blocked your account and you choose to break the law as defined by the FTC.

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 09/14/2017 about Debt collection (Credit card debt) with Law Office of Michael J. Scott, PC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Scott & Associates P.C ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/2017 letting me know that the law firm was representing XXXX XXXX for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to Scott & Associates requesting in writing a certification of the debt from the original grantor ( XXXX XXXX ). SSN  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and Telephone # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and SSN. I  file a complain with TX motor vehicle office, SS administration not give my information to any one unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my Job because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
Scott & associates file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: This is still ongoing. I am still no further ahead than I have been since this started in XXXX. As a matter of fact the last time I filed a complaint with the XXXX, Bank of America has said they would send their response/findings of this to me. I was told this on XXXX XXXX, and XXXX XXXX. As of today XXXX/XXXX/XXXX I have received nothing. However, on the XXXX site I noticed they responded to the XXXX and I absolutely dispute what they sent. I have never requested a deed in lieu. I never cancelled a short until the buyer I had from XXXX XXXX of XXXX finally cancelled. As far as cancelling a short sale in XXXX of XXXX I was trying to pursue help with loan remodification and there was no short sale paperwork going on. As a matter of fact I would receive letters telling me that due to Bank of America not receiving all requested paper work they were cancelling things which then led to me calling again to ask what they wanted as I sent them everything they asked for everytime.. My realtor also had great difficulty receiving information and responses from Bank of America. In spring of XXXX we went through months of sending and resending documents due to them wanting new wet signatures on everything that had already been signed. I have been talking with a XXXX XXXX at Bank of America and we talk at least once a week but still nothing is being resolved. She did tell me she would send new paperwork for loan re modification XXXX but I still have n't received that either and if Bank of America does n't resolve the issues of money still being charged and etc that I have requested Bank of America remove/write off I do n't know how anything will be any different. In the meantime, I still have a live foreclosure date looming ahead of me for XXXX XXXX which mean homelessness for me as well. Ca n't this foreclosure be stopped like it has been before when dealing with these issues?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (NV).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have received numerous phone calls / voicemails from XXXX. They never identified themselves, said why they were calling, only saying that it was a personal business matter and refused any other information and kept insisting that I identify myself. I hung up on them several times and they kept calling. I also never received notice of right to dispute either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details

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 06/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: This is a complaint that Bank of America had error about posting deposit and false posting information and posting date then lost my money in my account. Bank of America or a person of the bank had changed informations from depodits to an account to a bank credits then robbed customer money in the account by debit it. Customer name is XXXX XXXX, account number XXXX with social security XXXX. On or about X/XX/17 there were small deposits on same days value about 600, 900 and 1500 with small amounts add up to total same days for those amounts. The bank had posted those as bank credits then later used 3 fake claims to steal all money in my account. This is robbing customer money with trustworthy to put money in the bank. I lost my money of the fake claims. The transactions came from a person loan me money then changed to bank credit from other merchants not associate with the transactions. This is fraud, robbing and stealing customer money in the account. The matter had been explainef to the bank but no return yet. It had been reported to FDIC, FBI and also now the consumer finance protection bureau. I nned my money return to me and credit for all fee associated to the lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was contacted by XXXX XXXX, National Credit Adjusters on XX/XX/XXXX via phone call from # XXXX claiming I owe {$290.00} for a payday loan to Payday One from XX/XX/XXXX. I receive several calls daily from them on my ph # XXXX & XXXX. Sometimes 5 or 6 x 's a day. Now I know that the FDCPA clearly states that I have 30 days to dispute once I receive 1st demand letter and also any collector CAN NOT contact me until that demand letter is received and I am given time to dispute. I have never received a 1ST demand letter, only a a lot of ph calls. That is clearly a violation of the FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from USAA. I informed USAA that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  USAA.com. I   contacted  USAA  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited USAA.com multiple times, it was to open accounts for my  XXXX  children or to address  Christmas  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during Black Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to USAA that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX , Virginia while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Hello - I opened a new Citi bank account. The account has a promotional offer attached. I believe I satisfied the terms of the promotional offer, but Citi does not wish to honor the promotional offer. 

In direct correspondence to me from Citi XX/XX/2016 Citi says : XXXX " The terms and conditions of Promotion XXXX are as follows : 1. Open a new Regular Checking account in the Citigold or the Citibank account package by XX/XX/2016. 
2. Within 30 days after account opening, make a minimum deposit of {$15000.00} or more into your new Checking or new or existing Savings Plus account. 
3. A minimum balance of {$15000.00} is required to be maintained in the Checking account or existing Citibank Savings Plus Account for 30 days from the date of deposit is made. '' I have satisfied these terms and conditions but Citi will not honor the promotional offer as they claim that I am a current signatory on a joint Citi banking account with my wife, and that this negates my eligibility for the promotional offer. 

I believe that Citi mislead me in correspondence Citi XX/XX/2016 Citi says : XXXX as they state clearly the terms and conditions to be approved for the offer and I meet these terms. 

I shall attach this correspondence from Citi with this complaint. 

Thank you, 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 01-05-2018 about Debt collection (Other debt) with North Shore Agency, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX 2018, I received a debt collection notice from a XXXX XXXX XXXX, phone number XXXX ext. XXXX, fax # XXXX, on behalf of XXXX to collect a balance of {$110.00}. I have called XXXX numerous times and tried to settle this matter. I even have evidence stating that I never had any service from XXXX and that everything was taken care of and I should receive a final bill showing {$0.00} owed. I also received a confirmation number also. I have evidence that XXXX should n't be charging me for anything because I never had their service turned on because for three days someone was supposed to come turn on my phone service so that I could have internet also and XXXX never showed up and it seems they are trying to charge me from the time that I ordered internet and phone services from them over my cell phone. I will attempt to send all of my evidence on Friday the XXXX if I can make it to the post office because I live in Virginia and we just got hit with a major blizzard on Wednesday evening, over a foot of snow. I will try to send certified letters stating that I do n't owe this balance to the North Shore Agency and XXXX and you, the CFPB will receive one also along with my documentation showing my proof that i should n't owe XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE TO VERIFY THE ACCOUNTS I DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU.

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 05/13/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my credit bureau – XXXX XXXX and XXXX  credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax just had a major security breach, exposing many people 's private information. My SSN, my name, my address, could all possibly be leaked and open at this moment. I confirmed that my information is more than likely stolen by checking on their website, equifaxsecuirty2017.com. I fear my information has already been stolen as well, I have tried to create a XXXX XXXX account to keep track of my credit, but my information is apparently " invalid '', and they ca n't identify me with my SSN. I tried to get a report on XXXX, but the same issue rose from that website as well. I am going to attempt to freeze my accounts and hope this will be resolved somehow. Other than that I am honestly fearing the worst possible scenario at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (FHA mortgage) with WMC MORTGAGE, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX allegedly executed an assignment of mortgage on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX was the assignee. This document was not recorded in the XXXX XXXX records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with XXXX XXXX and there was never an assignment of mortgage made from XXXX to XXXX XXXX. When this document was recorded, XXXX fully purchased the loan from XXXX XXXX. This assignment of mortgage is a fraudulent document. XXXX , Inc nor XXXX has ever had a license in the state of Fl. to service, lend or perform any functions regarding to mortgages. XXXX or XXXX, did not have the authority to assign my mortgage to XXXX. This document was signed 2 years after the co. was defunct and this company was never a member of XXXX.The company that prepared the assignment is XXXX XXXX and this is a known robo signer and fraudulent document mill. There are XXXX different companies involved on the assignment of mortgage.I have a statement from an employee at the company WMC Mortgage which is now the company for XXXX in regard to a QWR I sent stating " XXXX nor WMC would have the duty to respond as neither was your loan servicer ''. How did XXXX have the authority to assign my mortgage to XXXX when XXXX was not the servicer or the owner? It is my understanding that an assignment of mortgage has to be made by the owner or original lender, otherwise my next door neighbor could walk into the court house and assign the mortgage to himself.Why would a company that did not own my mortgage execute an assignment to XXXX in XXXX, which they were not a member of and then wait until XXXX to record the document in the county records? The mortgage was not even placed into the XXXX system until XXXX/XXXX/XXXX and this was done by XXXX XXXX XXXX. XXXX has refused to provide me with an acceptable response in this matter and I find it odd that no one seems to be able to answer a simple question ... Who is the lender?

Company response to consumer: Closed