milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Getting a line of credit

Complaint: Wells Fargo sent me a pre-approved business credit line offer XXXX XXXX, 2017 I was denied because I already have a " similar '' product with the bank. This was only after they ran a credit check and dinged my credit. I told them this was not disclosed during the application period nor the full disclosure. My complaint is this could have been avoided if WFC knew what the left and right hand was doing. " See too big to fail '' In addition, the bank nor my personal business banker communicated the denied credit line via phone, email, letter etc ... I had to call them XXXX XXXX 2017 I have asked them to remove the credit inquiry and apply the favorable terms to my current " similar '' product as of XXXX XXXX. They agreed to removing the inquiry and are pushing the terms to the underwriters.

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 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage ( original Charter One Bank ) now serviced by Citizens One XXXX. The loan is a XXXX ARM with an interest rate of 2.500 %. About a year ago Citizens One contacted me and asked why I was making payments on the XXXX day of each month instead of earlier. The terms of the note provide no late charge if paid by the XXXX day of month. I complained that this was sort of like harassment - but changed the monthly payments to XXXX to not hear about this again. A few days ago I received a mortgage statement showing an " overdue Payment '' of {$980.00}. The statement is dated XXXX XXXX, 2017 and does not include any late charge. This seems like a wrongful attempt to obtain payments before the agreed due date. If this is systematic I hope CFPB can investigate and demand they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Federal Tax Lien IRS # 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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2016 I received all XXXX credit reports and noticed a collection account by XXXX, collecting for XXXX, stated I owed {$1100.00}. Knowing this did not belong to me I initiated a dipute with all XXXX reporting agencies. XXXX and XXXX removed the account, but TransUnion did not. XXXX will not release any of my records I requested to prove it was mine including signatures and ID. I filed complaint with them also. This is not my account and I want it 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 11/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TD BANK US HOLDING COMPANY (VA).
Issue: Trouble during payment process

Complaint: I have HELOC and a checking account with TD Bank for past 8 years. I have been paying on time via online banking schedule. In XXXX of 2017, for some reasons, TD bank received online banking check on XXXX, which was the due date, but TD bank decided to draw money from my checking account leaving balance in RED. When I called the bank, they looked everything and said you have been paying ontime and recommended to pay one or two days early so if there is a delay, it can be accommodated. So I changed my payments to 3 days in advance. 

For next three months everything was fine. In XXXX, TD Bank received the check on XXXX but their system decided to charge me again on XXXX leaving my checking in RED. So I called them. This time, I was told that 8 years ago I signed a paper and allowed TD to have direct deposit. When I argued that if I am paying in advance should bank be doing that. Customer support agree but could not move my money back to checking account. So I spoke with their supervisor and demanded to send me papers that shows if customer is paying in advance, TD is still authorized to have direct deposit. I was assured that I will receive these papers. I have NEVER received these papers. Meanwhile they continue to charge me illegal overdraft fee, maintenance fee etc. So I went to their branch in XXXX. After several days, I was told that I am responsible for the mistakes of their system. I do not mind paying fee if it is my fault. But it is banks fault and they are accepting mistake but refusing to waive illegal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SLM CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XXXX   XXXX ,  2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : SALLIE MAE Accou nt :  XXXX  Opened on  XXXX   Amount  : {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with Second Round Limited Partnership (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me.
I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible?
I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate
information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I am asking for a complete removal of this account from all three of my credit reports immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Mortgage) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I lived at XXXX and I was ordered off the property by XXXX county courts wa. My ex stayed and then later clened the apartment out and left before the contract time. When I applied for another apartment they denied me and said I owed an large amount to them. So I contacted them and asked them how to settle it and the amount and they would n't tell me anything at all. They told me to contact the debt collector they sold the debt too. When I did they will not answer or return my calls. So I looked into it by checking my credit and it is saying I owe XXXX different amount totaling XXXX. I could n't believe it. So I called XXXX back and demanded an break down to why I owe that rediculous amount. They told me to get bent. I believe there is some illegal stuff going on with this. No one will contact me or give me paper work on the break down so I can take it to a lawyer. If you look at my credit it is listed as IQ DATA INT XXXX and IQ DATA INT XXXX. I am disputing this and asking that it be removed or they prove in a broke down letter why I owe this rediculous amount to take to a lawyer. Thank you for you Time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had fraud on my acc. I did a dispute with bank of america. They where puttin gas for 4 days over XXXX dollars. The bank send me a letter saying that my dispute was denied. I call them they told me someone call me and i say it was authorized. I told them that no one call me. I asked them for info. For them to give me the info where this gas station where located for me to do a police report. They did not wanted to give me info. So know they reverce the charge. XXXX dollars. And they froze my other acc. With money in it. I need help

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 05-08-2015 about Debt collection (Payday loan) with Delbert Services (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a call today stating that I have been sued and that they have sent garnishment papers to my employer for a western sky loan that they say was taken out in 2011. I filed bankruptcy in that year they said it was taken out after that. This company has not contacted me up until today. I have not received any kind of paper work what so ever. This account has been sold to XXXX XXXX XXXX and I have read complaints that they are trying to collect on debts that have been paid off or forgiven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). 

Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. 
SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. 
For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: To the consumer protection bureau, I have repeatididuy asked this company, Portfolio Recovery Associates, to stop contacting me, calling me and harassing me over a debt that they assume I owe them. I do not owe this company anything as they claim I do from XXXX XXXX. I have never ever had a XXXX XXXX credit card. I do not know how or why there is a collection against me on my credit reports ( all three of them ) from this company claiming that the account is original debated to XXXX XXXX. I have told them repeatedly that this is not a valid debt for me and it should not at al be displayed on my credit report. This is a fraud against me and I have had a security freeze on my account for years as a result of their hounding me. Check my credit reports and my social I have never opened up or authorized anyone to open up a XXXX XXXX card using my social security number. Sio whatever they think I owe them is false information and fraudulent and they need to stop hounding me and threatening me. I am a XXXX, a mother and I do not even live in California anymore. regardless, they have no right to pursue me and tarnish my credit because of this inaccuracy!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with I.C. System, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was placed on my credit XXXX 2017 I do n't have a XXXX  phone someone has opened a account in my name.

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 06/14/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I became aware in  XXXX   XXXX  that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier.     I contacted  XXXX   XXXX   XXXX  - the provider in  XXXX  and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and   XXXX   and  XXXX  removed the items. However,  XXXX  did not ( see attached ).     In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After looking at my credit report I noticed an unusual amount of credit inquires. Most of the inquires were inquires that had previously fallen off. I called transunion after learning about their security glitch. I was told that there was nothing they could do to help remove the high number of inquires. I believe this is negatively effecting my credit scrore. 

hard inquires not authorized or orginally fell off report ; XXXX XXXX I XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I attempted to have my name updated my personal information. I am now married and would like my married name reported on my report. Its hard trying to apply for credit and not being able to be verified because my name is different in tranunion 's system.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.

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 04/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX, I had a cashiers check of {$2800.00} sent by next day mail to Santander Consumer USA to payoff my account. The check was sent by my bank to XXXX 's overnight mailing address by FedEx. The package is shown to have been received at XXXX on XX/XX/XXXX and signed for by a person of the name XXXX XXXX. I waited for a few days to give time for the payment to process and my online account to be updated. Upon five business days on XX/XX/XXXX I contacted customer service for a status of the payment. I was advised that no such payment had been received for the account. Over the past three weeks I have contacted them for status of the payment and no one has a clue as to what happened the payment. I requested to speak with supervisor because no one seem to want anything to do with the situation. A supervisor had me fax proof of the payment and tracking information on XX/XX/XXXX. I call back to see if the documents were received and was hung up on, this has happened a couple of times throughout this process. For the past week I have contacted Santander as to an update of what is going on with the situation and no one will give any information other than there is no resolution yet. All the while my account is still actively gaining interest and I am out of {$2800.00} that I can no where near replace. I have contacted my bank to see if the check has been cashed yet and it has n't. They advise they can put stop payment on the check but I still would not receive my funds back for 90 days after the check was draw. That is the stipulation for cashiers checks since they are guaranteed funds. If the check is not found and I received my funds back by XX/XX/XXXX, Santander will surely say the payoff amount is not valid and will want any accrued daily until then. I have done research and see that many others have had the same issue of disappearing payments to Santander Consumer. I found a number to the office of the president and left message on the voicemail on XX/XX/XXXX. I have yet to receive any response from them or anyone in the company, they seem as if they are ignoring the situation entirely.

Company response to consumer: Closed with explanation