milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: SOUTHWEST CREDIT XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOUTHWEST CREDIT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was told by XXXX I was not under contract with them when I decided to change carriers to XXXX They tried to charge me an early termination fee, which is now in debt collection, but it is based on inaccurate information they provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Credit card) with NAM National Arbitration and Mediation (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Deformation of character by sharing confidential information with my parents. Improper sharing of information include ( ie : verified debt collection, shared the file #, stated will file civil suit if I did not call by XXXX PST, verified my full name and date of birth ) The debt collection is for a debt closed in XX/XX/2009 - thus greater than 7 years. The ADR GROUP has NOT contacted me. The information provided was given to me by my father.

Company response to consumer: Untimely response
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had opened a Wells Fargo checking account with a promotion code for {$200.00} cash bonus once the 2 months of consecutive direct deposit conditions are met. I had got the direct deposits for 3 consecutive months. But till now Wells Fargo has no clarity whether I am getting the {$200.00} cash and if yes then when?

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 12-10-2017 about Mortgage (Other type of mortgage) with MBA Mortgage Services Inc. (MD).
Issue: Applying for a mortgage

Complaint: Appearance of some type scheme they may have been involved in with the mortgage company agent that didn't allow me to use and FHA Grant (  XXXX XXXX ) that I qualified for and offering another type of loan at the very last minute. I was never given a clear answer as to why they would not accept the grant. 

They lenders were very unprofessional and seemed to drag everything out intentionally. The whole process was unnecessarily stressful. They were still going back in my tax history having me pay off claims that I had already worked out with IRS as far back of XX/XX/XXXX, for example. None of this made sense to me. Since they had waited until the last minute, I had to deplete my savings and retirement account to come up with the down payment. 

I was devastated because I really thought I was in a great situation to purchase a home at that time. 

They constantly " strung '' me along, with periods of time of not taking my calls, lying about why they weren't able to respond to me, saying that documents I sent them were not readable, or they didn't receive them. Also, throughout the whole process I was assured everything was okay and that I would be closing. The closing date was pushed up at least 4 times. I never understood why this kept happening. All I know is it was extremely stressful and weird. 

This all seemed to be intentional to cover something up about the grant that I qualified far If I didn't quality, shouldn't they have let me know sooner so that I could have made a better choice earlier on before I had put so much money and time into purchasing the home. .On the day of " closing '' they were still saying they would not be able to quality for one flimsy reason or another. I was still running back and for the to XXXX re-sending docs they said they didn't receive. I actually didn't meet with the realtor attorney until XXXX that XXXX at his home. 

To top this off, I wasn't able to address some issues I had with the property. I was lied to by the realtor that a " walk through '' wasn't needed because I trusted him when he assured me that everything had been taken care of. 


I feel strongly that something sinister was going on. 

Please advise.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: Loan o riginated in  XXXX    XXXX   with     XXXX   XXXX   XXXX  . Loan number  XXXX  Located in  XXXX   XXXX  Ca  XXXX   XXXX   XXXX   XXXX  HUD loan #  XXXX   XXXX   XXXX  PHONE  XXXX   XXXX   XXXX   XXXX  I was told.   I was told to write to the freedom of information act to get documents. We lost ours in a fire. I did and was told they could n't come up with them.     Securitized interest balance was  XXXX  I was told to ask  Ocwen for  : Transaction history from prior Servicers. Never received.   Account history. Was received  XXXX  Could n't make sense of It.   Then the loan was bought out by  XXXX  in  XXXX   XXXX  I had a forbearance of  XXXX  per month for a year to make my payment and clear then  XXXX .  Ocwen  bought  XXXX  and the ended up with the loan. We have used the forbearance plan with  Ocwen  but always did as required to get out account current. We never refinanced the loan was  XXXX  and at the end they say we will owe  XXXX . How does that happen when you have paid monthly fo r thirty ye ars.  Hope for  California helped us clear up a few back payments after I became  XXXX . They where told everything was current and on my statement it still says maturity date  XXXX . This was to be the hcappiest day of our lives.   I have federal tax returns showing the interest that was paid on the loan and to whom and how much. They are consistent except when the forbearance came into play with hud. I  hope I a m remembering everything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: In XXXX 2015, I used my bank card to pay for a hotel reservation and immediately requested a refund, because the provider could not accomodate with a closer location to a workshop I was attending. I asked the hotel to give me a refund and was told they could not refund me because the transaction was done through a third party. I then contacted my bank to do a chargeback. I filed XXXX claims with my bank and received a letter recently that they closed my account because of overdraft fees and would not refund my money from the transaction. The account is now in collection and my claims are closed even though I submitted the letter from the third party acknowledging the transaction. 
No one will give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: they are reporting a tax lien that was withdrawn and dismissed as an error in the courts. This was filed against me in error and they have it on 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 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian is not following the rules of the FCRA. I requested they investigate XXXX specific accts on my credit report. I felt they were reporting in error. Experian reported back that they verified all the information & when I requested they re-investigate the information they said I needed to contact the data furnisher directly. So on XXXX XXXX, XXXX I sent letter, via certified mail, to the XXXX data furnishers requesting additional information. To this date not XXXX data furnisher has provided me with any information about my accounts. So on XXXX XXXX, XXXX I sent a letter to Experian informing them that all data furnishers have ignored my request & I requested they remove the negative errors on my report. I included the letters I sent to the data furnishers as well. Experian has since responded & said they will not remove any information that they 've already investigated these accounts. They are in strict violation of the FCRA. I would like these accounts removed immediately.

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 02-06-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Around XXXX XXXX Midland credit called my cell phone and asked me why I did not pay my XXXX XXXX card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a XXXX XXXX credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After learning of the recent security breach at Equifax I followed their link ( https : //www.equifaxsecurity2017.com/XXXX ) to find out that my data may have been compromised in the breach during the summer of 2017. I have not yet received any information from Equifax regarding my information potentially being stolen, but according to their website it is likely among the account information stolen. 

The complete lack of notification to me by Equifax is extremely upsetting when they are fully aware of the sheer scope of the problem and have determined that my information my have been compromised. Due to either gross negligence, or incompetence I will spend the rest of my life with a full security freeze on my accounts. This involves a large amount of time and money that I will have no choice but to spend to fix their egregious error. 

Even trying to resolve the problem through Equifax 's website resulted in a post dated enrollment in their TrustedID Premier service. The culpability of the security breach lies squarely on Equifax 's shoulders, and yet they have made it unnecessarily difficult to take further steps to prevent identity theft due to their errors. This state of affairs is completely unacceptable and swift action must be taken to avoid future incidents like this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). the lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

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 01/29/2017 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Payoff process

Complaint: Hello, XX/XX/XXXX applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only {$2000.00}. 
At one point XX/XX/XXXX, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent. 
Then the calls came, multiple times a day, disrupting me at work. Half the time no one was on the line. They called when payment was due, the same day I made a payment, the day after, and I got emails telling me I was near my limit, thanking me for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ XXXX+. I could n't pay that, and I continued with the automatic payments at less. 
XX/XX/XXXX my last statement said my minimum payment was {$700.00} - on {$2000.00} limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just XX/XX/XXXX statement, and XX/XX/XXXX collection agency. Efforts to talk with them just get me diverted to the collection agency. 
All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount. 
This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.

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 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with AMERICAN EXPRESS COMPANY (VA).
Issue: Money was not available when promised

Complaint: I requested a funds transfer from Amex bank to XXXX XXXX XXXX XXXX on XX/XX/XXXX to be available on XX/XX/XXXX. The funds were not transferred till XX/XX/XXXX. I was charged {$12.00} by XXXX XXXX XXXX for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I repeatedly receive robocalls leaving a message from NCB Management Services, XXXX, attempting to collect a debt for XXXX XXXX XXXX ( sic ). I have no idea who this person is and have owned this phone number for over a decade. I have talked with several representatives of the company and each time they say they will remove my phone number but I receive a call the next day. Not only is this an erroneous number but I believe they are violating the Fair Debt Collections Act in several ways. They are leaving a voice message that says they are a debt collector attempting to collect. My understanding is that is illegal as others could hear the information. Further if you listen to the message hoping to get a person to remove you, it states that by continuing to listen you affirm that you are XXXX XXXX XXXX. I believe that is also a violation. I have made multiple attempts to the company to stop this continued harassment with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Payday loan) with Aargon Agency, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Aargon collection agency on XX/XX/2015 saying I owe a debt that I have no knowledge of. The date on the letter is dated XX/XX/2015. I responded to the letter asking for verification and for them to respond only through mail not by phone and l also gave them my new address. I have moved from the address that they have on there letter. Aargon collection agency is know for ignoring letters and putting debt on your credit report without verifying. The address on there letter is for collecting money not for disputes. That 's their way to say I did n't dispute this debt. I sent a letter to the address anyway. I also have a copy of the tracking and date it was sent well before the 30 days. Need help with my letter of dispute getting to the right address so this does n't end up on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed