milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine. 
I have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up. 
The name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 SYNCHRONY FINANCIAL (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A credit card was obtained early XXXX of 2017 in order to make a XXXX purchase. The account the following month was paid off in full. Then late XX/XX/XXXX a smaller purchase of XXXX was made towards the account. No statement was issued and thus the payment was missed following month I received a letter on XX/XX/XXXX stating, " based on a recent review of your account, synchrony bank '' has lowered your credit line to {$350.00}. Your account remains open and available for use, subject to the new credit line. '' This is as I feel an unfair and extremely deceptive practice. Especially when I never received a statement and the account was also previously paid off in full. So by missing one payment that I was n't notified on synchrony as a company chose to decrease my credit line. Then when I called them and spoke to a supervisor she told me specifically that it 's due to a soft pull on my credit, which I also did not authorize. This chain of events caused me to also have a denial for a XXXX credit line for my business, XXXX XXXX due to the account being of high balance compared to limit after the credit line decrease. I have 2 other accounts with Synchrony Financial /Bank and neither of them have decreased my credit line, in fact within the last 6 months one did under go an increase. Please 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 explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had to take out these loans to pay for my XXXX school at XXXX college. But they closed down therefore, I never used these loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I WAS IN NEGIOATION WITH WELLS FARGO CONCERNING A LOAN MODFICATION AND MY HOUSE WAS SOLD. I SENT IN ALL THE PAPER WORK THEY WANTED BUT I KEPT GETTING DIFFRENT HOME PRESERVATION PEOPLE EVERYTIME IT WOULD BE A DIFFRENT ONE AND THEY KEPT SAYING THEY DIDNT HAVE THE RIGHT PAPERWORK I INLISTED COMMUNITY ACTION TO XXXX ME AND WAS TOLD THAT THEY DIDNT SEND ANY PAPER WORK WHICH WAS NOT TRUE THEN THEY SOLD THE HOME ON XXXX2016 AND I THOUGHT THE SALE WAS THE XXXX I KEPT CALLING WELLS FARGO AND NO ONE WAS RETIURNING MY CALLS WELLS FARGO IN MY CASE DID NOT GIVE ME THE PROPER HELP IN PRESERVING MY HOME I BELIVE THEY JUST WANTED IT BACK

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 05-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We have had XXXX remodifications in the past. XX/XX/XXXX we made timely payments. XX/XX/XXXX we missed a few months ' payments. When we got our tax return we were able to pay down {$2000.00} on an over {$4000.00} balance. This stopped any acceleration. We then made over our monthly payment for several months in XX/XX/XXXX. XX/XX/XXXX we got our monthly statement which included our monthly payment due and the total amount due to bring us current. We spoke with a representative on XXXX XXXX and she assured us that if we payed that amount of money via XXXX XXXX or overnight cashiers check that we would be current, all acceleration would stop and we would not have a payment due again until XXXX XXXX. On XXXX XXXX, XXXX {$3500.00} ( the exact balance ) was paid by cashiers check in a Bank of America branch as an epayment. 
Today on XXXX XXXX I got a call stating we were in foreclosure that they did n't have record of the payment and that if they payment showed up it would be rejected because we now owe the foreclosure fees as well. We did exactly as we were told - choosing the electronic route at the bank because it was faster than an overnight payment and we are being punished!

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 05/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Billing disputes

Complaint: Thought card was on autopayment, it was not. I attempted to submit payments online through Capital One 's website and thought everything was good. I 've paid on time with Capital One ever since I opened my account. They sure were quick to report me as 30 days late on all credit bureaus. I contacted them and they told me they can not do anything. I contacted all XXXX credit bureaus and they informed me to contact Capital One. I 'm stuck in this endless loop. I understand that they do n't have to make any adjustments. But, I believe their website had issues and I do n't understand why they are so adamant about not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Problems when you are unable to pay

Complaint: A XXXX XXXX was repossessed by Regional Acceptance Corporation on XX/XX/2017 & I called Regional to see where the vehicle was towed to so I could recover my personal property & tag from the vehicle asap & they claimed they did n't know where it was & I know that 's a lie.

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 01/22/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX, that is XXXX XXXX XXXX but I saw on my EQUIFAX credit report somebody 's else name XXXX XXXX XXXX, which is not me. Please remove the name XXXX XXXX XXXX because its effects my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Payments are n't applied correctly and have been paying on them for nearly 20 years. I have had no help in understanding why the amount is barely reduced and sometimes increased monthly after a payment is made. Lately I have to call 9-10 times just to get an answer or things corrected. This is from my XXXX from XXXX University and my XXXX XXXX from the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Payday loan () with Clear Debt Solutions, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: charging outrageous fees tried to set up a payment plan but unsire who I am paying they keep harassing me at work calling my cell phone saying they are going to verify my employment. Im trying to fix my credit with a consumer credit services and they do n't want to wait for payment. He be littles me saying I broke the law trying to embarrass 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 05-03-2016 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed an item twice with Equifax. This item is case # XXXX. XXXX and XXXX removed this item after the investigation. Equifax refuses to remove the item. I have attanched a court look up of the file number and the response from Equifax. I have also contacted the courts to ask about the item, but it does n't exist. Please contact Equifax to have this item removed from my file. This is against my consumer rights and is an illegal act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank Attn : XXXX, Texas XXXX XXXX Wells Fargo Bank Corporate XXXX, CA XXXX XXXX Re : XXXX, Estate of XXXX, Account no. XXXX Dear XXXX, On XX/XX/XXXX, my son XXXX opened what he was told was an estate account with your XXXX, Texas branch, XXXX, TX XXXX. After making several deposits and withdraws from said account, someone within your organization on XX/XX/XXXX discovered that the account was mistakenly opened by a branch representative from said branch, as a business account ; the result of said discovery lead to your organization freezing all account assets, totaling {$4800.00} ( please see attached bank statement ) On XX/XX/XXXX, your organization decided to close the account without ever notifying my son and or me. To this date [ XX/XX/XXXX ] we have never received the remaining funds in the account, nor were the funds returned to the bank they were collected from via deposits made to your bank. We have not received any explanation from your organization, other than an account named, " Estate of XXXX '' was mistakenly opened as a business rather than an estate account. 
During the past two years I have received nothing but lies from people in your organization, including the XXXX branch manager, XXXX. You are illegally holding money that belongs to the Estate of XXXX-my wife and XXXX mother. 
Despite numerous letters to your organization, we have received nothing but lies, including being told that your organization had no record of the account to the most recent lie, when I was lied to by XXXX 11 days ago that you would be " sending me a letter within 3-4 days. '' You are hereby notified that you have 72 hours to return our money, {$4800.00}. Your organizations prevarications and refusing to return funds that do not belong to your organization, will no longer be tolerated. Be assured that we are willing to go to whatever must be done to both receive the money you owe us and punish your organization for your dishonest business practices. 

Sincerely, XXXX, Texas XXXX 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 explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (DC).
Issue: Account opening, closing, or management

Complaint: I opened a Charles Schwab checking account. Charles Schwab requires you to open an individual brokerage account alongside the checking account. I opted out of overdraft protection and margin ( i.e., there was no loan application ). I completed the application process and discovered the next day that Charles Schwab had made a hard credit inquiry on my credit history. 

Firstly, I can not find where in the application I consented to a hard credit inquiry. I called Charles Schwab and none of their reps can point me to where in the application process the account-holder consents to a credit pull. If it 's in the application, it 's hidden somewhere to be intentionally deceptive to the account-holder. 

Secondly, I asked Charles Schwab why they pulled my credit. I received conflicting information. One rep told me that it is SEC regulation for all brokerage accounts. This is not true. A second told me that it 's Charles Schwab policy to avoid doing business with consumers with many bounced checks. This does not require a hard credit inquiry to determine. Either way, nowhere in the application process is the account-holder specifically asked to consent to this credit pull. 

The reasons that this is a major concern is because : ( 1 ) it raises significant privacy concerns when a company deceptively pulls significant credit history on its clients for unknown purposes ( marketing? ), ( 2 ) it is unethical and deceptive to pull clients ' credit history without clearly and directly asking for their consent, and ( 3 ) clients concurrently applying for a mortgage or any type of loan can have their mortgage/loan delayed or disapproved because of Charles Schwab 's deceptive practice of carrying out a hard credit inquiry. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX, LA XXXX Ad Astra Recovery XXXX, KS XXXX Account # XXXX Dear Ad Astra Recovery, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX for code of ethics violations. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Equifax and XXXX XXXX  are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIAN fails to remove the XXXX account. EXPERIAN reports that XXXX is the owner of this account. EXPERIAN reports incorrectly that this account is currently LATE. EXPERIAN reports incorrectly that this account is currently REVOLVING. EXPERIAN reports incorrectly this account 's date of first delinquency. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 12-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: IN XXXX XXXX I WENT INTO XXXX TO MAKE A PURCHASE AND TRIED USING MY XXXX CARD. TO MY SURPRISE IT DID NOT GET APPROVED. SO I CALLED THE AUTOMATED SERVICE TOLD ME THAT MY NEXT PAYMENT WAS NOT DUE TILL XXXX XXXX. I CALLED THEM AFTER AND AGAIN I VERIFIED THAT MY NEXT PAYMENT WAS DUE ON THE XXXX. THEY THEN IMFORMED ME THAT A CHECK THAT I HAD ALSO SENT TO THEM FOR AN ADDITIONAL PAYMENT ASIDE FROM MY MONTHLY DUE PAYMENT FROM MY EMPLOYER WAS RETURNED BY BANK AND THAT WAS THE REASON THEY CLOSED MY ACCOUNT. I ASKED THEM IF THAT WAS IN THEIR TERMS AND CONDITIONS AND THEY REFUSE TO ANSWER THAT QUESTIONS. I TOLD THEM THAT I WAS CURRENT ON MY PAYMENTS THEY REFUSE TO HEAR ME OUT I BELIEVE THEY HAVE A CONFLICT OF INTEREST TO ONLY BENEFIT THEM SELVES AND RUIN CONSUMERS CREDIT RATINGS. PLEASE HELP ME RESOLVE THIS ISSUE. I NEED MY CREDIT RATING NOT TO BE AFFECTED. THEY HAVE NO REASON TO CLOSE MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint is in conjunction with cfpb case no. XXXX. 

The collection agency Midland Credit Management, Inc began calling me and sending me mail XX/XX/XXXX trying to collect a debt on XXXX XXXX XXXX account I had settled XX/XX/XXXX through debt consultation ( XXXX ). At the time the collections owner of the account was XXXX XXXX XXXX XXXX XXXX. The last know update to cfpb case no. XXXX has Midland stating that XXXX XXXX is a subdivison part of its company and that they were no longer pursuing payment and that no money had been collected on the account. This statement is FALSE. I not only settled with XXXX for the XXXX XXXX account for the amount of XXXX XX/XX/XXXX but I have documentation and bank statements to prove so. XXXX has no right to report anything on my credit report about this account other than it was settled. Instead the company shadily tried to collect on the remaining amount of the account left at settlement. Paper copies of attachments will be sent to CFPB by certified mail with this case number as reference for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX against Portfolio Recovery for Portfolio 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Portfolio has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've reached to Experian in regards to name correction. I spoke with a rude rep on Friday XX/XX/XXXX2017 at XXXX she was very rude and refused to dispute the incorrect information on my report as I advised it needs to be updated for a job. She refused to do so. I asked to speak with a supervisor she placed me on an intensive hold. The information reported on my personal information is incorrect, I 've never went by the name of XXXX XXXX, XXXX XXXX nor XXXX XXXX. All of that information is incorrect and needs to be 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