milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I was targeted for the Citigold banking XXXX AAdvantage miles promotion that was happening. I followed the terms and legitimately funded the account with XXXX of my credit cards and began to use the provided debit card for bill pays and spend. When I hit my promotional requirements of spending {$1000.00} and making 2 consecutive bill pays, I was told that I have met the requirements and will now just have to wait 90 days ( until XX/XX/XXXX ) to get my miles.I was charged {$60.00} dollars of maintenance fees in this wake. After XX/XX/XXXX hits, I have not gotten my miles and they are telling me they have to INVESTIGATE my account which will take ANOTHER 90 days. That 's another {$90.00} of " maintenance '' fees.

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 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When asked for verification of debt, I was presented with a printout that did not include the name of the creditor or their contact info. The letter did not state that they are an authorized agent. The printout had codes and information that I could not readily understand. 

The best I can see at this point is that I was issued a parking ticket XXXX with a penalty of {$20.00} - XXXX years old. I threw away accounting records in accordance with the IRS suggested 7 years, so I can not verify using my own records. It must have been paid because the printout has the account go from & lt ; XXXX & gt ; to & lt ; XXXX & gt ; XXXX. On XXXX, it is changed & lt ; XXXX & gt ; to & lt ; XXXX & gt ;, but changed again XXXX to & lt ; XXXX & gt ;. In another area, it says the late fee is {$5.00}. And yet another has the late fees waived " based on effective payment. " The debt has not been shown to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Aargon Agency, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge

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 06-08-2016 about Mortgage (Conventional fixed mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I entered into a one time close construction loan with Washington Federal Savings Bank ( WAFD ) on XXXX XXXX, XXXX which converted into a mortgage when I got Certificate of Occupancy in XXXX XXXX. 

In XXXX and XXXX XXXX mechanics liens were filed on my home because the home builder did n't pay the subcontractors for services that was paid to the home builder via bank funds. 

Subsequently the bank and their attorney demanded that I satisfy the liens claiming I was in default. At no time have I ever been in default of the loan and have made payments on time. They were claiming default under section XXXX of the deed of trust which are liens attributable to the Property which can attain priority over this Security Instrument. 

Mechanics liens are always XXXX to the mortgage and would never attain priority. It specifically mentions I am required to discharge any lien which has priority over the deed. At no point was WAFD 's interest in jeopardy. 

Now the bank is forcing the payment of attorney fees related to this demand letter. I did not authorize or agree to their attorney 's services and I did not do anything to create the liens. They are passing a cost along to me, that was incurred while they were servicing the loan. 

I then consulted with my attorney and he confirmed liens do not take priority over the deed of trust. The deed of trust would take priority over the mechanic 's lien as long as it was XXXX recorded. Now a junior lien holder can file for foreclosure but the property would be sold subject to the XXXX lien ( in this case the deed of trust ). The only way the mechanic 's lien would take first position over the deed of trust would be if all parties sign a document granting the mechanic 's lien XXXX priority over the deed of trust ( the deed of trust lender would have to sign off on this as well ). 

The mechanics lien holders would only be able to foreclose based upon the deed of trust and as long as I was current in my loan obligations this would never happen. This is exactly the conversation I had with XXXX XXXX. XXXX said you do n't have to worry about those liens as long as you 're current on your mortgage and I could later get those liens removed. For residential projects, the deadline to enforce a lien is 1 year from the last available day to file the lien or 1 year from the completion of the work ( whichever is later ). In XXXX XXXX all the liens would be unenforceable and I would be able to get them removed.

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 08/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Airline ticket was purchased for two adults in  XXXX    XXXX   on   XXXX   XXXX    2016 . The tickets were then cancelled with the airline according to their policy on  XXXX   XXXX  2016. AS per airline policy, each ticket was separately cancelled, but was purchased as  one  transaction. I received credit for  ONE  cancellation and the other ticket was NEVER refunded.  XXXX   XXXX   (  and have sent confirmation emails ) stating that  Ticket No  :  XXXX   XXXX  was was refunded via  Refund Request No  :  XXXX .     A dispute was filed with Citibank (  XXXX   )  promptly on the original purchase, as that was the only way to file the dispute for a missing transaction in their systems. During the course of this dispute, Citibank cites emirates as saying the ticket number was invalid. I have send copied of the ticket and the emails from emirates and have also independently confirmed with  XXXX   XXXX  at the  XXXX  office in  XXXX  (  XXXX  Xtn :  XXXX   )  that it is indeed a valid ticket and shows as reissued.     Citibank closed the dispute saying I do not owe a refund citing the SAME original letter they sent me in  XXXX , for which I had given all the necessary documents to show that the ticket was indeed valid. I do not believe that the merchant was contacted with the updated information provided to them in  XXXX , but the dispute was closed with a charge to me in  XXXX . I could not reach anyone that can talk to me on this matter as further attempts to reach out to Citibank was not returned / answered.     This is matter has taken several hours of my time, and I have been hung up on the phone with citibank multiple times. The last time,  XXXX   XXXX  in Billing disputes said she accidentally hung up and was on another call when another customer service agent asked for her. She promised to call me back within a few minutes on   XXXX  /2017 at  XXXX  and I am still waiting for that call back. I believe I have exploited all options in dealing directly with Citibank and need assistance in resolving this dispute in a fair manner. In the mean time, I have had to pay the balance and I believe that is extremely unreasonable for citibank to expect from me.     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 monetary relief
Consumer complaint received 02-12-2017 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Using a debit or ATM card

Complaint: In XXXX, there was confirmed identity theft using my State Employees Credit Union checking account with XXXX transactions of {$97.00}, {$69.00}, {$89.00}, and {$2.00}. All were resolved by the credit union. The amount for XXXX XXXX {$2.00} was identified by the credit union fraud prevention representative as a strategy to prepare for a larger withdrawal at some point in the future. I was told that it was identified and secured so it would not happen. I completed all credit union 's recommendations at that time. On XX/XX/2016, a transaction in the amount of {$1400.00} was drafted from the Credit Union checking account to XXXX XXXX. I did not notice the transaction at the time, as I was between employers and received my final payout from prior employer along with first paycheck for new employer. My concern at the time was my wife 's health, twice XXXX XX/XX/2016 along with XXXX Emergency Department visits. I also was caring for my XXXX son and one month into my new employer. I did not discover the fraudulant activity until XX/XX/2016 while completing federal income taxes. The State Employees Credit Union has refused to return the funds due to timeframe when reported, despite their error.

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 06-07-2017 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Account #  XXXX   Professional Adjustment says I owe {$620.00} on my credit report. I have asked the credit bureaus to validate t his debt. I have also called professional adjmnt Company who says they can not talk to me they have a cease and decease they have never sent a bill or validated this debt with me. They are voilating my right to have this date validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Other financial service (Traveler’s/Cashier’s checks) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Lost or stolen check

Complaint: The reason I am asking for help is because : every month I buy a XXXX cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to XXXX to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a Capital One BANK ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at XXXX but cashed in Capital one bank. I was given a period of 120 days for resolution and during these 120 days I have been calling XXXX twice a week with no update except for XXXX saying that they have emailed capital one 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' capital one into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed by Capital one bank without endorsement, and howcome Capital one has not responded back to the Claim I have with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: VICTIM OF INQUIRY ADD ON OF TRANSUNION. 
AND WOULD NOT REMOVE IT

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 06-09-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: I had a Wells Fargo checking account. Over the past several months, I kept on getting charged for low balances in the account even though my average balances for the month were over the minimum. I guess Wells Fargo has a rule which states that if the balance falls even {$1.00} below the minimum, customers get charged for this. I had a direct debit attached to the account to eliminate the minimum balance issue, but to no avail. I eventually got fed-up with Wells Fargo and asked to close my account and get a refund of the balance which was in excess of {$2000.00}. The account was asked to be closed over 1 month ago, and I am yet to receive my money from the bank. I have called the bank many times, been transferred around, been put on hold for hours. Now Wells Fargo is stating that the check was sent to over a month ago. Furthermore, they have not told me why the amount it my checking account was not just transferred into another bank ( which was linked to this account ) as I had instructed them to them. Finally, Wells Fargo has asked me to send them a notarize letter stating that the check was never received and to wait 90 days from the time they receive this letter before they will reissue another check. 
I think this is unfair, unethical, and illegal. The bank basically has kept my money and continues to keep my money and expects me to wait for over 3 months before I can get it. 
I would like my money back from this thieving institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This judgment is still reported as reinvestigation on my Equifax credit report 4 months later as of today.I have not received any updates from Equifax. 
XXXX CFPB review Response disputed XXXX/XXXX/2015Case number : XXXXXXXXResponseEquifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *Equifax will mail the results of the reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I contacted Capital One on XXXX/XXXX/16 to settle my account which was past due. I informed them that I could pay my balance if they could remove some past due fees in order to keep the account current and active. I mentioned that I had problems paying because I was recently laid off. They agreed and I paid my full balance. 

However, they did n't inform me that my account was already closed and that there was no way to re-open it. Had I known this, I 'd have agreed to a payment plan instead. I relied on my Capital One account to be active and in good standing since I was still recovering financially. Now, I have a closed account that only reflects my past due balance on my credit report. Plus, they refuse to open a new account with me even if I agreed to another security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Payday loan) with High Point Asset Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got an online loan through the company XXXX and paid off my debt. My wife got a a call from High Point Asset Inc, saying that I owe a debt. They disclosed all my personal information to my wife without my consent, said that they would call the police on me, and said they would prefer that I pay them with a pre-paid card. My wife asked them to send me a verification of debt through XXXX XXXX, which they did. The verification of debt did not have an original account number for my loan, their address of the business is a XXXX, my apartment number was n't listed, and did not include information about my rights under the federal Fair Debt Collection Practices Act. Also, the company they are collecting for is no longer in business and XXXX has listed that the former lawyer be called if another debt collection company tries to collect on their behalf. I have proof that my debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced with Nationstar mortgage XX/XX/XXXX and we have never been late or delinquent in our payment. 
We made two payments XX/XX/XXXX and XXXX of them ( XX/XX/XXXX, which was paid early and intended for XX/XX/XXXX ) was misapplied by Nationstar to the principal by mistake. In addition monthly payments were short XXXX cents for a total of XXXX cents, which was remedied by a payment of {$1.00} and acknowledged by Nationstar. We had been speaking with Nationstar representatives and received a written note from them on XX/XX/XXXX that this matter is resolved. We were assured after each phone call that the account would be rectified and that " we should not worry about it reported as delinquent ''. However, on XXXX XXXX to our astonishment we received XXXX reports from our credit monitoring company XXXX stating that our perfect credit score is ruined because of XXXX has reported that we are delinquent in our payment for 30-60 days. Despite phone calls, written messages and online efforts we have not heard back from the company. 
This matter is particularly important to us since XXXX is a XXXX who works full-time and requires good credit for student loans of which he now is under scrutiny from credit agencies. I trust you will intervene to resolve this matter and make sure that Nationstar cures our credit reports and states to credit reporting agencies that they have reported us by error. 
XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the XXXX several times with Experian and they have failed to provide me with information showing that this account belongs to me nothing bearing a signature.

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