milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: To whom it may concern, I have stuff on my credit report i 'm disputing that does not belong to me, the collection Agency and creditor will not send me a copy of the signature, they say is mine, which is not mine. I all XXXX collection agencies could not find anything so they told me to dispute it with CFPB, this week i will mail you all the info, they said its listed as mark but i do not go by XXXX i go by XXXX. MCM ( Midland ) will not send me a copy of the signature, and threaten me they are going to turn it over to Attorney. Thank you, XXXX XXXX email XXXXXXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is a supposed debt of items I did not purchase. In 2011, my identity was stolen. As a result some charges were incurred fraudulently using my personal information. This includes electricity bills, cable bills, stolen checks and merchandise purchased from CONNS XXXX. I have been a loyal customer to CONNS. Purchased and paid off my debts with only one missed payment. 
To my surprise, on checking my credit report, I see XXXX delinquent accounts with CONNS XXXX. All effort to dispute these charges with the XXXX credit reporting bureaus have been futile. 
They requested that I get a Police report, but the statute of limitation has elapsed. 
" I am requesting that These XXXX items be deleted from my credit report as I am not responsible for the purchase '' I have been a loyal customer and this may have caused Conns not to conduct proper verification of my identity before transacting business with the impostor. 
Again, I am not responsible for this accounts, Please DELETE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Had a storm hit my home, with tree falling on home, wind, hail damage to home, vehicles, pool, hotub. XXXX XXXX XXXX XXXX took almost 2 months to write check which is around XXXX in total. While waiting for insurance company, I had to start repairs, hire contractors, pay contractors, and also did a lot of work myself, since I use to be a contractor and built homes. I paid for work, supplies, and contractors myself, out of pocket, and currently have paid XXXX, somewhere around XXXX in repairs out of my pocket. I received a check to me and Franklin American mortgage. I contact them about endorsing the check, so I can continue to have my worked on, and get it finished. I was told NO. They will keep all funds, and release money to contractors they approve. And any money I am out of pocket, is just my loss, because I 'm no longer a licensed contractor, and let my license expire in 2007 when I was sent to XXXX and did not renew it, and decided to not build anymore and became a full time XXXX. I was told money paid to contractors already, was not approved XXXX, and would not be paid back to me. And any contractor working on my home now, will not get paid unless they submit a stack of forms required. And I was forced to pay out of pocket for work done to that point, and contractors said they will no longer work on my home, because they have had to deal with Franklin mortgage before, and it took weeks or even months to get paid, because they always found a reason to delay payment. And the contractors refused to wait for XXXX, and said I was responsible for payment immediately upon completion, or they would not agree to do work. So XXXX refuses to endorse check, or pay money paid by me already. They are going to hold all funds and release it only when they agree too

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ford motor credit continues to report a default from over 20 years ago. 
They need to remove this all together

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Navy Federal Credit Union is who complaint is against. XXXX ( loan officer ) I was denied mortgage lending by Navy Federal Credit Union based on discriminatory practices. When I challenged Navy Federal about the decision I was told it was due to a collection item on my report for {$120.00} that turned out to be an error. I had been approved by 2 other banks using same credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with APEX Asset Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Omni Credit Services continues to call my home phone looking for a someone WE DO NOT KNOW. After numerous requests to stop calling telling them we do not know this person and remove our phone number from their list, THEY CONTINUE TO CALL EVERY WEEK, XXXX. This is considered harassment. 
Our local police department suggested we file a police complaint.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (VA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have been contacting/attempting to contact XXXX XXXX of Trans-world Systems Inc. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is  allowed to speak to me. I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims XXXX returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened checking and saving accounts at Citibank on the phone. The rep said to expedite the matters to go to the branch, present ID, sign necessary forms and deposit the money. So I did. A week later it turned out they were missing a copy of my ID I presented in the branch. But they kept quiet until I called them on the phone asking about access to my money. Eventually they sent me an email with a form for ID copy so I had to fax the image of my ID with the form. After that they sent me an ATM card. But when I registered it I discovered that the access to the savings with the entire amount ( XXXX ) of the deposit is blocked. Now they are stating that they do not have the signature card which is a lie. Without it the opening of the account would not have been complete and accepting the deposit would not be possible. Even written communication with customer service is infuriating. They completely ignore what is stated in the request and give absolutely irrelevant answer. At this point I worry about a very substantial amount of my money that they are holding and refusing access with made up reasons.

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 04/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ditech Financial Services issued a revised billing statement at the same time as ditech announced implementation of the XXXX XXXX XXXX XXXX XXXX platform. The statement date of XXXX/XXXX/2016 does not indicate the date when the statement was likely placed in the mail. I believe that that date could have been about 7-10 days afterward. The statement did not arrive at my address until on or about XXXX/XXXX/2016. I do not believe that ditech has control of their internal mailing process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Making/receiving payments, sending money

Complaint: I encounter fraudulent activity on my account ending in XXXX. Now they are threatening to close my account on XX/XX/2016. But I ca n't make a deposit nor do I have a bank card, and I do n't want to put money into an account they have n't fix yet. if its fraud, I would like for them to post my credits. 
My current balance is $ -XXXX with US BANK

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection from  XXXX   XXXX  for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower submitted a loss mitigation package and received a notification of a facially complete application as of XX/XX/2016. It has now been over 30 days without further follow-up or a decision from the servicer on the application.

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 06/26/2015 about Debt collection (I do not know) with The CMI Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XX/XX/XXXX ( or XX/XX/XXXX, I don't have my records at hand ), my bank, Wells Fargo, summarily closed my checking account, freezing my funds and providing no explanation as to why such an action had been taken. I am only reporting this now because I assumed I had no recourse until I read today of a Wells whistle-blower from a XXXX branch being fired for exposing this widespread -- and illegal -- practice on the part of the bank whenever any type of fraud was suspected to be associated with an account. In my case there was no fraud. After many phone calls to many extremely unhelpful Wells employees ( a few of which flatly stated that it would be impossible to reactivate my account ), I was finally able to ascertain that the closing was due to an alleged transaction with my credit union in which Wells claimed I had deposited or cashed a check for which funds were unavailable. Even after I contacted the management of my credit union and was assured that no such action had occurred, Wells refused to reinstate my account. ( This after I had held the account for over thirty years. ) Concerned that my credit rating would be effected, I persisted, and after more than two weeks of constant effort I finally contacted a sympathetic Wells who assisted me in reinstating my account.

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 08/21/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted to file a credit life insurance claim with Wells Fargo Home Equity on a HELOC that was extended to my mother in 2009. She paid the premium diligently every month. In XXXX she passed away after a long fight XXXX. I have visited XXXX branches, called the customer service phone number, spoke with their collections department and been shuffled around for 5 mos in an attempt to have the HELOC paid through the life insurance it was protected with. I was initially told by the branch manager at the XXXX MI branch there was no insurance. I persisted knowing there was as you could see the premiums paid on the statement. I was then given information for the insurance company and filed a claim. I took the paperwork I received into the XXXX XXXX XXXX XXXX XXXX and was told by a banker and the branch manager that they did n't know how to complete the portion that was required to be completed by Wells Fargo and that I could just complete it myself. I called the insurance company and they said to send it in without that portion completed so they could process the claim. A few weeks later they sent me a letter saying they do not hold the policy for this loan. 
I began making payments on the loan as they were threatening repossession of the home my mother left to me. When I reached out to the collections rep he told me that if I can not afford to pay the loan that I should just sell the home or do a deed in lieu (? ). It is like they are not even listening to what I say. In a final attempt I sent a written letter asking for their assistance in resolving this and giving them 5 business days to respond. I was contacted by phone and told they were hoping to have an answer for me by today. I also received a letter addressed to my mother saying since they can not discuss the loan with me they are writing to her. My mother is dead, I have n't heard from then again yet, I need help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XXXX : Citibank reneged on this promise. 
XXXX : I filed a complaint XXXX with CFPB. 
XXXX : Citibank promised to pay bonus on or around XXXX XXXX. 
XXXX/XXXX/XXXX : Citibank again reneges on promise. 
XXXX/XXXX/XXXX : I filed a complaint XXXX with CFPB XXXX/XXXX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XXXX/XXXX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XXXX/XXXX/XXXX : I am filing my third complaint on this issue

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 12-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX I noticed a charge on my account of almost {$2600.00}. 

I called Chase bank to report that I had n't made the purchase. Chase advised they would put the money back in my account while they investigate. 

One Friday XXXX/XXXX/XXXX I received an email from Chase. I called the bank and was told that my fraud claim was denied, because everything " matched '' and they will charge the amount back to my account on XXXX XXXX. 

I did not make this purchase. 

I have spent many hours researching what happened. ( Something I wish Chase had done ). 

Someone ordered ( 2 ) projectors from XXXX online on my card, using my name and address. 

Then they had XXXX XXXX redirect the shipment to be held at the XXXX XXXX office for pick up. 

Then they picked it up at the XXXX XXXX office. The signature is NOT my name or signature. 

I have called the bank MANY times to resolve the issue, Chase is not being helpful. 

I tried to send them the signature I got from XXXX XXXX. They wo n't accept an email from me so I had to go to the local branch to fax it to them. I brought it on XXXX. 

Yesterday, XXXX, they said they could n't read the fax so I had to bring it in again today. 
My local branch submitted it today along with a copy of my signature to prove it does n't match. 

On Monday XXXX, I filed a police report. 

At the time the purchase was made, I did not have enough money in my account to cover the purchase. I do not have overdraft protection on this account, yet Chase chose to honor the purchase instead of declining it. 

I have had my accounts with Chase for many years. I honor my purchases. I have held up my end and done all I can to prove this is n't my purchase. Chase needs to hold up their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with Constar Financial Services, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My information was compromised in early XXXX 2017 by Equifax. My information is now public and I do n't know who has access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Billing disputes

Complaint: I had ( XXXX ) XXXX Capital One Credit Cards. XXXX was for business, and the other personal. I had always tried to be timely on payments. I worked late a lot, and at the time their web page stated that payments could be made until XXXX. There were times there I would get home late from work and not submit my payment until close to XXXX. They would then charge me a late fee. I complained several times. They told me payments made after XXXX were late, but still accepted until XXXX. The web page did not say that at all. Then the real problem began. I would get on to make payments and I would get several errors like " you request did n't go through '' or " the site is down. '' This would happen frequently. This would then cause the payment to be late. I did not know what to do. I have tried several times to remedy this with them but they continue to claim that I never contacted them. I will attach several letters. Upon request, I have several letters from the Attorney General of Indiana also. I feel that they purposely mislead people on the payment acceptance. This caused me to go into default and now stuck in collections. I went into default because they would charge late fees, cause the limit to go up and then charge over limit fees. There must be a remedy to this before I am forced to obtain a lawyer. This has resulted in MASSIVE interest rates when trying to obtain credit from reputable sources, including countless hours spent researching and fighting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation