milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: I had several accounts at Wells Fargo From XX/XX/XXXX - XX/XX/XXXX and I was forced to take my banking elsewhere because My account magically kept going negative and i was getting inundated with service fees on a daily basis to the tune of hundreds and possibly thousands. I lived over an hour to the nearest branch and kept on having to drive to XXXX XXXX XXXX just to make deposits in the middle of the night. I knew something was a miss but things kept shuffling around. Wells Fargo Was an account I set up on line Several years ago and started using it as they were getting larger and were possibly moving up towards the massachusetts area. After several accounts were set up and kept overdrawing at one point they froze my account and kept charging me overdraft fees and I had to pay them all down because otherwise I could n't open up another bank account with another bank as the XXXX would block me and show I owed money to Wells Fargo. Now, after seeing that these accounts were manipulated I am sure that my account was one of them. I had direct deposit and service fees and set up fees kept showing up and wiping my balance down so I would bounce checks and incur even more fees. It was a nightmare and I feel I was part of this scandal as my accounts can easily be verified and confirmed. My full name is XXXX XXXX, THe last checks I had from Wells Fargo would Show the address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX or a XXXX, XXXX Address. 
I was forced to pull all my banking at one point as my money kept disappearing. I know this was intentional and now after seeing this scandal I am convinced it happened to me. 
My email address is XXXXXXXXXXXX and my Cell number is XXXX but I know the bank has all my records going 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 05-03-2016 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was notified by my credit company that my credit score had dropped. I checked my credit report and saw that I had a collection agency report. I was never notified of the debt, never given a chance to dispute it or to give my insurance information. Lancaster Collection alleges that they do n't have my info but they were still able to place it on my credit report. They could have gotten my address and phone number ( same number for XXXX years ) from my credit report. When I called they said it would take XXXX days to remove this from my credit report!!!! I was never given a chance to stop it from going on my credit report. I am suffering damages each day my credit score is artificially lower. Car insurance renewal, credit card companies evaluating me for offers or lowering credit limit thus increasing my debt ratio. This is terrible that they have the power to do this without speaking to me first!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!

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 02/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditor XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt being collected is NOT mine, it belongs to my mother. I don't know how they got my contact information. The company is " Professional Debt Mediation '' ( XXXX XXXX XXXX  ). This is not the first time they've repeatedly called me, last time was about a year ago, but they got aggressive this time. 

I received calls from the following numbers on the following dates and times : ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/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 11/15/2017 about Credit card or prepaid card (General-purpose prepaid card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I acquired a pre-paid secured credit card with a deposit of {$400.00} with bank of America in 2008. Currently this card is paid off with XXXX balance and this account has been closed for 7 years, but they keep reporting it to the credit bureaus. I want this account to be removed from my credit report. I believe that Bank of America is not suppose to provide information to credit bureaus for pre-paid credit cards and Washington State statute of limitations also restricts the time period to six years, if any. 

I would appreciate any help or advice on how to stop Bank of America from reporting this account to credit bureaus.

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 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Certified Recovery Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To Whom It May Concern, In the attached statement are duplicated and incorrect charges I received from XXXX XXXX Apartments. I pointed out the damages to apartment # XXXX as well as the dirty conditions upon move-in on XXXX/XXXX/2013. These are clearly damages and cleanliness issues they are trying to charge me with in the move-out statement which clearly do not belong to me. I had reported these conditions to the leasing office before and after move in and they never made it a point to have them fixed or cleaned. The charges related to the damages and cleanliness conditions have to be removed from the balance to be paid. 

I have kept frequent communication with the leasing office and the collections agency via email. I have also visited the leasing office to submit my supporting documents and to receive the corrected balance, but I was told by the manager, XXXX XXXX, that they have to review the information. I have yet to hear from anyone. 

I would like to have this resolved in a timely manner and ask for your cooperation and advise. Please feel free to contact me directly if you have any questions. 

Best Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect

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 11/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Transaction issue

Complaint: I was involved in an accident ( on XXXX XXXX, 2014 - Claim # XXXX ) while driving a vehicle rented from XXXX ( case # XXXX ). XXXX has, until now, not given the necessary quote for storage, towing and repairs to my insurance provider ( XXXX ). The credit card company ( CHASE VISA ) which was used to pay for the initial rental has rejected my dispute claim and is demanding that I pay the amount of {$3400.00}. My insurance provider has an incomplete quote from XXXX and is claiming that they have a request for the same amount that XXXX is billing my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Other mortgage) with BROADVIEW MORTGAGE CORPORATION (CA).
Issue: Credit decision / Underwriting

Complaint: Broadview Mortgage company is sending me unsolicited mail encouraging me to refinance one of my properties. I have never done any business with this corporation or any of its affiliates, so I should not be receiving this mail since I never requested their services. The envelop they sent it in does not include any sender address information and the outer face of the envelope states " Notice of Overpayment '' leading me to open the letter because I thought it was about one of my bills. Only when I opened the letter did I realize that this was in fact an unsolicited advertisement. The disclaimer in the letter included an expired CA DBO number ( # XXXX ) so I had to do my own research to get their current and active number ( CA DBO # XXXX & XXXX # XXXX ) and address information. 

I tried to tell the customer service at the provided telephone number in the letter XXXX to completely remove me from their marketing and mailing list, but the representative refused and hung up on me. 

I do n't wish to do any business with this company that engages in such sleazy marketing practices so I request that they stop sending me any more mail or marketing materials.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3.  XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Trans Union has failed to provide me with the documents that their company has on file that were used to verify the accounts that I disputed. Being that they have gone over the 30 day mark to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all info that can not be verified. Filing dates, types of Bankruptcies, dates paid are incorrect. 
Docket # XXXX Docket # XXXX Docket # XXXX Docket # 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 08/19/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: On XXXX XXXX FFEL loan serviced by XXXX XXXX XXXX disappeared from XXXX website including historical payment and interest paid. Called XXXX on XXXX XXXX and was advised loan was resold back to guarantor Great Lakes Education. Next day XXXX XXXX, luckily I observed email from Great Lakes requesting payment due in 9 days when monthly payment was previously accepted for XXXX by XXXX! [ see attached ] Both XXXX & Great Lakes failed to send any prior written correspondence informing of future change in creditor, loan balance, amortization schedule, payment amount, how last payment would be applied, or where to send future payments. Without personal vigilant proactive awareness, I would not be aware of a change in this debt ownership, or balance details! 

I called Great Lakes and their rep informed me they only send digital notification for account issues and the responsibility to notify change in ownership should be from XXXX. Great Lakes website had outdated contact information for me except for my email address which was the only contact that was still valid. How do I know their balance calculation is correct without any written correspondence to confirm??! 

In my recorded call to Great Lakes, their rep also advised me to ignore the statement due date while they try and " figure it out '' despite interest accruing each day. I can not just ignore a payment request and hope they " figure it out ''. XXXX advised me that Great Lakes should have notified new change in ownership while Great Lakes points blame at XXXX. Both servicers are not legally handling this migration correctly and giving no valid proof of debt. 
I request Great Lakes send me an amortization schedule to validate the transferred loan amount, the calculated interest, payment calculation, and historical payment information. Great Lakes advised me they do not provide amortization charts which I feel is a violation of my FDCPA and TILA rights. The loan has already accrued new interest while I am in dispute. Great Lakes has tried to redirect me to the statement balance which is NOT a VALIDATION of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

To recap, I am asking these lenders to validate the original debt by providing original written bearer of instrument of original loan documentation, provide full method of verification of origination loan balance principle, interest amortization disclosure, and fees for this debt up to and including the transfer to Great Lakes. I also want transparent information how my XXXX XXXX payment was applied to the loan balance prior to the XXXX XXXX loan transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problems caused by my funds being low

Complaint: There was an unauthorized charge on my checking account and my financial institution authorized it and said that it was my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (I do not know) with Jim Bottin Enterprises, Inc (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: COLLECTOR KEPT CALLING MY PHONE NUMBERS IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Mortage was sold or transferred to greentree servicing and they added {$5000.00} to the loan. I do n't feel this is right. They also have my XXXX mortage and the payments went up with out notice and I never got notice the XXXX mortage got transferred or any paperwork on it. I have sent payments to get caught up on the XXXX and they are saying they have not received them. I had the bank fax them confirmation they were sent and now they say they have not got the fax. I went to the bank again and had them fax another copy and even had the bank call them and talk with them. I just got another phone call from them yesterday harassing me about payments and they still have not credited my account. As of now I am 3 months behind and trying to work on getting caught up, but how can I, when they are not acknowledging my payments. They wo n't take payments over the phone, I ca n't make them online because they say they ca n't. So I do it through bill pay. I seem to talk to someone different every time. I do n't think they put notes on my account, so I have to explained myself over and over. They have harassed me to the point I have cried over the phone with them about the payments. I do n't know what to do and feel they just want to foreclose on me. I have just finished XXXX and am trying so hard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After a plethora, and nearly years of arguing with Transunion, they finally accepted my multiple police reports, FBI complaints, Texas AG complaints, and FTC ID Theft document and blocked all the fraud accounts. I checked my monthly report only to find one of the most nefarious of all FRAUDULENT ACCOUNTS BEING REPORTED, XXXX XXXX WITH A BALANCE OF XXXX According to the credit reports I have saved over the years of this nightmare with Trans Union this account was blocked 9 months ago. I never received any word that it was reinserted, at this juncture its illegal for them to have done so without informing me but more egregious is the fact the account is BONA FIDE FRAUD.

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 11/30/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CT).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I applied for a loan modification through PHH mortgage after missing payments, which we had been instructed to do by the mortgage company in order to get a modification started. We had not missed a payment in over 7 years at that point. Once we received the modification and agreed to it, we made 3 good faith payments on time. They sent us the final documents and my information was incorrect. We sent copies of my license and SS card as instructed and then never heard anything back. We called and left messages several times a week for months until we were finally notified via mail that a foreclosure was imminent because we had " declined '' their offer, when in reality we just wanted to make sure the papers were correct. Now we are being told we can agree again but owe the months leading up to this when they failed to do their job in a lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery Systems added a collection account from XXXX to my credit report from a company that is not licensed payday loan company in the United States. I did not open it payday loan with XXXX it was a fraudulent company with no internet address of a physical address or telephone number there is no supporting documents stating exactly when the account was reported delinquent or an account number

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Coast to Coast Financial Solutions, Inc. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company reported debt that belonged to a woman named XXXX XXXX in XXXX to my credit report for collections. It resulted in me being denied credit. Since I have lived in XXXX for almost 10 years and my credit report reflects that, they had to have known when they placed the debt on my credit report that it was not mine. Therefore, they are making illegal attempts to collect a debt that is not mine. Worse than that, they are XXXX of XXXX companies that is doing this to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed