milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: I have returned merchandise to a merchant who credited my bank card on XXXX. I 've checked my Bank of America account and the credit does not appear on my account on XXXX. This delay may cause an overdraft. I have noticed that it takes 48-72 hours for a credits to appear on my Bank of America account. Is there a time limit for banks to process credits? How is it that a purchase is immediately removed from my account, yet it takes longer for credits? Thank you for looking into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with CAB Receivables, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CAB Collection Agency claims to have medical accounts in their files in my name. They also claim that they have sent me a total of XXXX statements to my current address and that the correspondence was received by me due to the fact that it was not returned to them labeled undeliverable. If CAB Collection Agency has previously sent me correspondence, I request that they re-send it to the same address that they sent the XXXX statements to. 
Furthermore, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me, but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. 
I request that CAB Collection Agency, Inc : * Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me. 
I request that CAB Collection Agency forwards this information to the address that they previously sent correspondence to that was addressed to me as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after this written request. I request full documentation of what CAB Collection Agency received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await their reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This company called my brother today. My brother, who I RARELY have contact with, and definitely did n't have contact with back when they say this debt was obtained. For one, this supposed debt was in 2009 in Alabama under a misspelled name. Secondly, I have already asked for documentation of this debt for the past 2 years and never received it. Lastly, they have now called my in-laws, my moms husband from 10 years ago, that she 's no longer married to, mother, and now my brother ( who recently got a new phone number, so I know this number was never provided to them. Ironically, I had just talked to him yesterday for the first time in years, then this morning they all of a sudden call him to say I 'm going to jail if I do n't pay off this debt ( same thing they told my in-laws and my ex-step-grandmother ), because they claim they ca n't serve me papers.

This is HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied interstate is attempting to collect a debt that is not mine. I contacted XXXX XXXX Bank and they agree the account ending in XXXX is NOT mine. Allied interstate needs to leave me alone.

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 05-10-2016 about Debt collection (Medical) with Patient Accounting Service Center (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (MD).
Issue: Fraud or scam

Complaint: I received a NetSpend Prepaid XXXX from a company called NetSpend, XXXX, XXXX TX XXXX. It was unsolicited and when I called the number they gave to OPT-OUT and decline the message did not give that as an option. I have sent an e-mail but do not have much faith that they will comply since the interactions so far has been extremely suspect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: i am a ocwen customer, but i never reeived any information about the lawsuit on the mortgage company place insurance, i believe but am not sure that i filed a claim in the XXXX suit, but have received no response. I am being threaten with forclosure, i filed a loan modification and it was denied, what can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with I.C. System, Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am a victim of identity theft there are alot of Account and inquires on my creditfile that are not mines or either have my name but different social security attached to it that still are not mine. I have submitted documentation and called and still no help. I have plenty of inquiry month after month with some of these compnt i have no idea about. Im just trying to get them removed. I have sent the same documents to all XXXX reporting agencies.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello ive been a victim of identity theft and i recieved my credit report through equifax and i noticed that i have some inquires on my credit report and there are 15 of them i didnt apply for 14 accounts in my name the only inquiry that i apply for is XXXX XXXX on XX/XX/XXXX with a credit line of XXXX I didnt apply for XXXX inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i didnt apply for these and i contacted Equifax few times and they open up investigation and send me a letter and didnt do nothing and told me to contact the creditors directly and i did and none of them didnt remove my inquires

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I got another phone call today from " Portfolio Recovery, '' however, I have already asked them to cease and desist communication due to failure to validate the account as requested. I sent the last request on   XX/XX/XXXX    , attached hereto, to which I have still not received any written correspondence to validate this. I am however receiving phone calls still, after asking them to cease and desist communication due to their failure to comply with FDCPA regulations in providing validation for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been written : " serious delinquency '' Proportion of balances to credit limits on Bank accounts is to high Time since delinquency is too recent or unknown Lack of recent installment loan 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 05-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: About this time last month - I had used my Chase Debit Card at a XXXX store to purchase a wallet. The next day I had notcied that my card was missing - I contacted Chase as soon as I noticed the card was missing and filed a claim with them. They never responded to the claim with any updates and I would constantanly be calling to check status on the claim. Which they would always say they had no information. So now 4 weeks later - I find that my checking account accocated with debit card was closed. I contacted chase again and they claimed to have contacted me to let me know but never did. They said the account and card was closed due to the charges I claimed as fraudulent were maybe before the purchase at XXXX. The purchase at XXXX was made in the morning time, and Chase is arguing that the charge at the XXXX store was made at XXXX which is impossible because the store closes at XXXX. I feel like Chase bank is discriminating against me because I am XXXX. I have been a long time customer with them and I do n't know why they are treating me like this. Chase bank says they would like to end their relationship with me and I can no longer bank there, which is unfair. I have been a good customer and want to still bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: My brothers and I have CD 's left by our father that were purchased from Wachovia in XXXX Georgia back in 2007. When he pasted away a few months ago, we went to Wells Fargo XXXX knowing Wachovia was bought by Wells Fargo XXXX to collect on the CD 's, they said there was no records of the XXXX accounts. Wells Fargo told me that CD accounts should have transferred over to their system, but my father 'might ' have cashed out the CDs a few years ago, and that 's why it 's not in their system now. 

We 've asked Wells Fargo to please provide us with some sort of record that the CDs were cashed out, but they are not able to provide us with anything, saying again they show no records of the CD accounts. 

My brothers and I still have the documents for the CDs, with account numbers and purchase date from Wachovia, but we are wanting to know how do we find out if the CDs were REALLY cashed out, or if accounts just went to another bank when Wachovia was bought out. Please let us know if the account number, or copy of the CD documents are needed. 

Any information will be much appreciated. 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NATIONSTAR MORTGAGE (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I send Nationstar a debt validation letter on XXXX and i did not get any response, i send them a reminder on XXXX and still no response even though under law they have to respond. 
I called them on XXXX and they would not give me any information. 
Please help, i need this information for my litigation

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a certified letter dispute several times for the last 3 months but the unauthorized inquiries still remain. From XX/XX/XXXX to XX/XX/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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: After having received my annual credit report, I found that Equifax charged me with 3 times as many hard inquiries than all other credit reporting agencies for the purchase of an automobile in XXXX. Although I did not authorize the auto dealership to make multiple inquiries, I understand that when multiple inquiries are made for the purchase of an auto, mortgage or student loan to lenders within a short period of time, typically, these are treated as a single inquiry. All other credit reporting agencies treated this occurrence as a single Hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XX/XX/XXXX, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. This debt is from XX/XX/XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XX/XX/XXXX if all debts were discharged on XX/XX/XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and XXXX and they are refusing to delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with Conn's, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company in XXXX called Conn 's Appliance keeps calling my parents house for a debt that they say belongs to someone with my same name. I have not lived with my parents for over 15 years. They live in XXXX, XXXX & I live in XXXX, XXXX. I have never been to XXXX. They are telling me to give them my bday & last XXXX of social to go further into the information, but I am not giving that information over the phone to a company I have NEVER had contact with. I told them this & they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (NJ).
Issue: Trouble during payment process

Complaint: The mortgage company ( loandepot ) overpaid my property tax XXXX quarters in a roll for XXXX and XXXX XXXX. They made payments of {$7000.00} for each of XXXX and XXXX XXXX, but the actual amount due is only {$3500.00}. The total overpayment was about {$7000.00}, i.e. they maid double payment XXXX quarters in a row. 
Please refer to " Loan Activity.pdf '', the payments are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX Please refer to " Tax Inquiry - XXXX XXXX XXXX '', the tax due are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX I only discovered this issue around XXXX XXXX when they increased my monthly deduction claiming a shortage in the escrow account. 
I started contacting them to resolve this matter in XXXX XXXX, up until now the matter is still unresolved. The supervisor assigned to my case was extremely unresponsive and difficult to get hold of. I made multiple attempts to contact him only to be forwarded to a line that does not get answered. On multiple occasion, I was promised a callback but it never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing statement

Complaint: Charged online purchase from Macy 's with Macy 's credit card. Received next bill with purchase on it. Returned the purchase before the due date and then made new purchases. On the next bill it showed previous balance {$350.00}, credits of - {$350.00}, new purchases of {$200.00} and a late fee of {$27.00}. When I called, I was first told I was charged a late fee because I did not make a payment. When I questioned the logic, I was given the same answer. When I asked how I owed anything when I returned the first purchase, the representative took the late fee off the bill. This is not the first time that this has happened to me with Macy 's. It happened a couple of years ago to me and I brushed it off. However, how many people are not reviewing their bill and paying a late fee when it is not owed.

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 09/27/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Applying for a mortgage

Complaint: This is a second complaint agains Wells Fargo. I am not getting the documents as promissed. I spoke to a representative yesterday and told me they sent the wrong cover sheet to XXXX, where the correct doments need to be recorded. Please help since this keeps delaying my equity loan. 

Thank you so much in advance for your help. 
regards, 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 12/15/2015 about Debt collection (Payday loan) with Lionstone Holdings Group (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call from someone trying to serve me paperwork on a debt, they left the contact information. I called the number I was provided XXXX and spoke with XXXX XXXX. He verified my SS # and date of birth. He proceeded to tell me about some debt from 2011 that I owe {$1400.00} on. He never informed me that this was an attempt to collect a debt. He stated to me that they are persuing legal action and going to get a judgement against me. I asked him several questions about the process. XXXX did n't want to answer my questions and was rude in his response and tone. I tried to verify what address they had on file for me and the address was in a state I have never lived in. He said it didnt matter they would still get a judgement against me even if they dont have my correct address. I told him he didnt need to be rude to me as I was just asking him some questions

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They say they are collecting for XXXX but they refuse to send me a bill after verifying my address 3 times in which they should have since they say all calls are recorded and I have said as much trying to get a bill. Ask for all their recording and lets see.

Company response to consumer: Closed with explanation