milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.

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 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Other

Complaint: I have a Bank of America credit card which I have had for XXXX20 years. I have a credit score of XXXX and a credit limit of {$12000.00} just for your information. I have never owed them money as they allow me to pay in advance so I always have a small overpayment. On XXXX XXXX, they decided to refund my credit overpayment of {$200.00} and charged my account for that amount. The check which they mailed to me took so long to come I called to complain and the customer service department told me they could stop payment on the check and issue the refund to my personal bank account. They issued a refund and then debited my Bank of America Credit card and refunded my card and debited it so many times like bouncing balls but I know I am still out {$200.00}. I 've spoken with XXXX people at BOA who ALL told me it is their fault and a refund will be coming. But today XXXX XXXX at the Escalation Dept. told me I wo n't be getting the money. I will not let this rest I am also going to contact XXXX XXXX the CEO of BOA. Imagine how they treat people with less stellar credit. It 's a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (WA).
Issue: Settlement process and costs

Complaint: Forgive the tardiness of this complaint, but I just learned this week through reading the XXXX XXXX XXXX that the CFPB works with banks to resolve customer complaints. Until now, I did not know what recourse I might have for the fraudulent behavior of Wells Fargo Bank. 
In XX/XX/XXXX or XX/XX/XXXX, my partner and I refinanced our mortgage on a property we own in XXXX XXXX with Wells Fargo. We made a point to confirm that there were no prepayment penalties associated with this new mortgage. At the time, the Wells Fargo representative aggressively pushed a home equity line on us, even though we did not need it, want it, or ever intend to use it. Since he said it would cost us nothing, and he was so insistent, we reluctantly accepted it. 
In XXXX XXXX, we refinanced our mortgage again, but with a different lender. When it came time to close on the new loan, Wells Fargo refused to terminate our existing mortgage unless we paid a {$500.00} termination fee for " early termination of our home equity line '' - which we never used, and as stated above, never wanted. Both my partner and I communicated our complaints to the appropriate people at Wells Fargo - to no avail. Since we did not want to jeopardize our new mortgage application with the new lender, we paid the {$500.00} to Wells Fargo. 
We believe that XXXX XXXX, " Home Mortgage Consultant '' at Wells Fargo at the time, fraudulently induced us into accepting the untapped home equity line. We would appreciate any help that CFPB can give us to persuade Wells Fargo to refund the {$500.00} termination fee to us. 
I have attached a copy of the Wells Fargo payoff demand dated XXXX XXXX, XXXX and our email correspondence on XX/XX/XXXX and XX/XX/XXXX with various employees of Wells Fargo ( including XXXX XXXX ) regarding this issue. Please note that my name and that of my partner are listed as " customer '' on the payoff demand statement and that both of us corresponded with Wells Fargo in the attached email thread. 
Thank you for your consideration.

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 04/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inquiries that were not made by me however i have not heard back from equifax

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I co-signed on a used vehicle for my daughter through Chase bank. She was involved in a card accident several months later that was not her fault. The vehicle was considered a total loss. XXXX stated they would pay the vehicle off as it was considered a total loss. XXXX did not pay the vehicle off in a timely fashion resulting in Chase bank reporting the account as delinquent ( 30 day late payment ). XXXX stated the check they originally sent was lost and they had to re-send another check. I contacted representatives at Chase bank and they stated basically that this was not there problem and that a payment from our end should have been sent out and once Chase receivd the money from XXXX they would have reimbursed us. Really do n't feel like this was our problem as XXXX appeared to have dropped the ball. The car is fully paid off now but the ding is still on my credit report. Please help!! Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Portfolio Recovery is reporting Inaccurate information on my credit profile. Please delete account immediately This company continues to report inaccurate information to the three credit Bureaus ( XXXX, XXXX  & XXXX ). I have contacted Portfolio Recovery and requested this information be corrected and deleted from my credit file. Some of the errors are as follow : Date opened, Last date of Payment, Amount owed and payment history. Due to this company 's negligence in reporting my credit profile has suffered tremendously. I have made several attempts to correct this with Portfolio Recovery but to no avail. I had a perfect payment history with the original creditor XXXX XXXX for over 3 years. When I originally opened my account I opted to enroll in the payment protection program for an additional monthly fee. I paid this fee every month for over 3 years. Unfortunately I lost my employment the end of 2013 and requested the payment protection be applied to my account. The payments were not made for the duration my contact said they would which caused my account to go delinquent and eventually be charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Payday loan debt) with Acceptance Solutions Group, INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a voicemail on my work phone from a XXXX XXXX stating she was from XXXX XXXX XXXX XXXX calling to collect a debt and that there was a "legal document" that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email (which said that if they didn't receive a response in 30 days, they would consider the debt valid). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this "legal letter" was going to be delivered to my place of work. I told her (per the letter I was sent) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account (she lied and said it was and that is how they got the number). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am having the most difficult time with Ditech. I first applied for help last year. When going through the process, Ditech never really offered me a modification option. They keep pushing a repayment plan. Then they back doored me with a sale date! I had to file a bankruptcy to protect my self. I now have help and understand how the programs work, and how the underwriting works for these programs. 

I am now in review for a modification. We have been asking for over a week what documents are needed. Everyday they would say the same thing. " Copy of pay check '' I would send everyday and follow up. Ditech would ask for the same thing. After a week we demanded to talk to the processor who was working the file. Admittedly we were very frustrated at this point. The assigned processor told us we need to send a profit and loss!?!?!?!. Wow! When we asked why after over a week of requesting what was needed, that was never told to us by Ditech? The processor stated to us " I DONT CARE! ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried on several occasions to rectify this issue with Navient. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with Navient and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with Capital Management Services, LP (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 30 years. I been receiving harassing phone calls and death threats from Capital Management Service, LP representatives regarding a fraudulent and unauthorized credit card account/debt that do n't belong to me. The following account is fraudulent and unauthorized : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Community Health Investment Company, LLC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 my aunt ( XXXX ) had a follow-up appointment with her XXXX. She had been hospitalized and was currently in a XXXX. The XXXX wanted a XXXX. He faxed an order to the hospital office which was just next door and indeed walked us out to the front of the building and directed us to where we were to go. We went and had it done. XXXX and her supplementary insurance initially paid for it but then withdrew the payments because they said that she should have had the XXXX at the XXXX. Medicare told me verbally that she was not liable for the payment.The physician had received documentation from the rehab so he knew where she was staying. Now the hospital is sending her ongoing letters and indeed a Final notice demanding payment as well as threatening to turn it over to a collection agency and listing it as a bad debt which will be detrimental to her credit rating. I feel the XXXX and those with XXXX are targeted as more likely to comply. I am her power of attorney and we are not going to pay for the mistake of others. To make matters worse, on XXXX XXXX the XXXX was repeated at the rehab because the Physician notes were unclear. My aunt should not have to pay for the mistakes of the professionals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was sold to Carrington Mortgage by XXXX XX/XX/XXXX. I was told my first payment to Carrington would be due XX/XX/XXXX. When I finally spoke with Carrington I was told I owed them for XX/XX/XXXX and XX/XX/XXXX. When I tried to make a payment I was told I could n't make a partial payment. XX/XX/XXXX I paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and told my next payment due XX/XX/XXXX. 
When I called to make the payment I was told I was told I owed for 2 months and could n't make a partial payment. So I contacted Keep Your Home California to apply for the Mortgage Reinstatement Program. I called Carrington to inform them I applied for the program I gave them the Homeowner ID and was told okay. Because of the dates I deposited my checks KYHC said I had a income increase instead of a decrease. KYHC informed me XX/XX/XXXX. I called Carrington XX/XX/XXXX and informed them I wanted to bring my mortgage current I was told I owed a little over {$12000.00} and attorney fees but they could n't give me an amount for the legal fees and asked if I had the full amount I told them yes. I was then told they could n't accept the payment until after they contacted the foreclosure dept. to find out how much the legal fees amount and because it was the holidays they would send me a letter and an email the beginning of the year. On XX/XX/XXXX I received a letter from Carrington stating A Notice Default has been filed on XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has not deleted XXXX collection accounts from XXXX XXXX even though the collection company sent them a request to delete the items. I have spoken with XXXX from XXXX XXXX and he has verified twice now that the request was submitted to Transunion to delete the items. When I called Transunion and spoke with a CS about it there was no resolution sought or offered.

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 10-03-2016 about Credit card () with U.S. BANCORP (CA).
Issue: Unsolicited issuance of credit card

Complaint: US Bank completed and submitted an online application for a VISA Platinum personal credit card that was processed and sent to me without my authorization or knowledge on XX/XX/2016. I was notified through a telephone from XXXX voice mail on XX/XX/2016. I received the credit card on XX/XX/2016. This is a red flag as it is the same fraudulent business practices similar to the XXXX XXXX XXXX scandal.

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 05-07-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Despite my sending a letter prohibiting calls to my place of employment, and notifying collector that my place of employment does not permit such calls, debt collector continues to call my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lived in XXXX XXXX rental complex in XXXX, Pennsylvania from XXXX until XXXX. Although I had paid all my rents on time and had returned the apartment in a perfect condition and had the agent of the rental complex inspected the apartment, despite having XXXX Dollars security deposit, which XXXX XXXX never returned to me, the XXXX XXXX XXXX , without any notification to me ( although they had my new address, phone, and email ) sent XXXX Dollars for collection to Hunter Warfeild Collection Agency in XXXX, FL. This apparently happened in XX/XX/XXXX. Hunter Warfield never attempted to contact me and reported the collection to Credit Bureau in XX/XX/XXXX, which was almost 5 years later. I first noticed the issue on my routine credit checks in XX/XX/XXXX. I paid the collection immediately, total of XXXX Dollars, including the collection fee, although I did not think I was responsible to that. 
This XXXX dollar collection had drastic effect on my credit score and my overall financial life. I had never have a single late payment in my entire life. All my credit scores were in top tier. Only with this issue, my credit score dropped significantly. As of last 2 years, I had multiple attempts to get a home loan and I have been turned down every 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 11/25/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened an account under the name of XXXX and billed to XXXX XXXX. After calling for 3 months and being told the account was not open I said I had already received the chairs I ordered. Two months later I receive I bill and tried to make a payment online. Unable to do so I called and was told no account was opened. After speaking with a supervisor I tried to make payment and was told to wait. I received a second bill for over {$800.00} dollars with late fees, and interest added. I called and was told I can close the account now since the account shows processed and account was closed after paying {$750.00} dollars. I am now once again receiving bills stating " close accounts still earn interest '' and I now owe late fees and interest. I have had this problem with this bank before same problem and believe this bank should now be declare a class action law suite because of their continued billing the consumer with late fees and charges on closed accounts. Because of the continued abuse of power from this bank I would like to see my credit status corrected and all fees and interest charged off. This bank is blatantly refusing to be handle accountable to anyone and look forward to working with your office to see what can be done to help the consumer not be taken advantage of by banks such as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with The CBE Group, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 'm disputing with the CBE Group/XXXX XXXX because they are currently reporting a fraudulent account onto my credit reports XXXX XXXX and XXXX. Please assist me in getting this debt collector to stop reporting and to stop contacting me regarding this account. 
ID Theft # : XXXX. 
XXXX account number reporting : XXXX

Company response to consumer: Closed with explanation