milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with ERC (IL).
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

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Submitted request the Free Annual Credit Report online to TransUnion and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.

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 09/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: I had noticed on my consumer report " XXXX XXXX '' that there was an account reporting on my name at Wells Fargo Bank. I went to my nearest branch and banker there gave the number to their " Identity Theft Department '' I contacted them and filed a report as a police report. I also had to speak with their fraud department and executive office which I interacted with some rude people who blame me for this accounts and completely disrespected me on the phone. 

I got a letter in the mail from their " Identity theft department '' that stated they cleared the matter, then I got another letter that stated they reversed that decision and will continue to hold me responsible for those accounts. 

This is clearly an unacceptable behavior from this bank that thinks they can do anything they want to poople. It is my preference not to resort to taking legal action against this bank and would like to have my name and information deleted from this bank 's systems as I had not authorized them to open my account nor collected my information. I had already suffered great injury from Wells Fargo Bank reporting my information to consumer 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 explanation
Consumer complaint received 05/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Sale of account

Complaint: I was an Orchard Bank customer in good standing with a {$500.00} secured card. In 2013 Orchard Bank was acquired by Capital One. I now have an unsecured card and I am in good standing with Cap One. I contacted Capital One to find out about the {$500.00} from my secured card. They said they have no record of this. As I looked for commecnts from others regarding this situation on the web I see there are others in the same predicament. I am still pursuing Cap One to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan was modified in XXXX XXXX. However, my servicer Roundpoint, has not reflected my loan as modified since then. I have been fighting with them now for two years and I finally hired an attorney earlier this year to help me. As you can see from the attached my loan was modified in XXXX XXXX directly by the owner of my loan. As you can also see from attached my mortgage statement for this same loan shows me due for XXXX/XXXX/XXXX back in XXXX and now XXXX/XXXX/XXXX. I have no idea how they are coming up with these dates as my loan was modified and should have been brought current as of the date of my modification on XXXX/XXXX/XXXX. My attorney was advised by Roundpoint that they requested me to submit another full application so they could attempt to fix this issue. My attorney submitted my full and complete application on XXXX/XXXX/XXXX and to date Roundpoint has not yet issued a decision. They keep asking for more paperwork every month and then let it expire and then ask for it again. I am told by my attorney that RESPA Reg X requires the lender to make a decision within 30 days of the application REGARDLESS if it is not completely complete. My attorney has an in house underwriter that put the file together and they state the lender ( Roundpoint ) has enough information to make the decision. I am not eve sure what decision they need to make as they have ROYALLY messed up my mortgage and it is on them to fix it. # 1 ) I was modified and my servicer never reflected it in my statement # 2 ) This is not my fault and the fact that my account is now past due and really messed up is either the servicer 's fault or my investor 's fault. It DEFINITELY is not my fault. # 3 ) My servicer needs to STOP EVADING reviewing my file as my attorney is billing me for work each time Roundpoint stalls and does n't make a decision as required by RESPA Reg X. I am being financially harmed by this illegal action. In another week it will have been 5 months since I applied for assistance in fixing my servicer 's mistake!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Please make them stop running me in circles and make them FIX THEIR MESS!

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 10/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was forged at closing. I reviewed the truth and lending document and realized that the truth and lending document was forged. It is not my signature. I checked with the law offices of XXXX XXXX XXXX to advise him of the same. However he was arrested and disbarred for mortgage fraud in NJ. I brought the same to the attention of XXXX and Wells fargo however WElls fargo said its not their problem. How can Wells fargo even consider me for a modification when the loan is bad at the root? I paid all points at closing and In the APR of the loan and interest should be the same or relatively in the same ball park. However its not. My loan needs to be reevaluated and rewritten in order to make it affordable for me as it should have ben this way in the beginning. Please see attached documentation.

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 07-01-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why? 
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft. 
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it. 
Something needs to be done. I am very frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX XXXX bill that was settled and paid through Debt Recovery Solutions. <P/>Yet they refuse to send me acknowledgement that the debt was paid, and fail to report it as paid through the 3 credit bureaus. <P/>I paid the first installment on XX/XX/XXXX and the final installment on XX/XX/XXXX. <P/>I have called several times they acknowledge the debt is paid and I am not liable for the account, failed to send me notification through email or regular mail. Also making false statements to XXXX and XXXX saying I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Capital One took over for the XXXX card I have been a member since XXXX. Since then I have paid my bill online and not had a problem I sign on to my account once a year to pay the membership dues that is due. I called today because I know that my membership was due for XXXX and I paid my past due amount and then was transferred to the technical support to reset my password. I was then asked the questions that a credit card company ask what is my name and the other privacy question then to be told that they could not reset or send an email to give me access to my account. The person I spoke with at Capital One name was XXXX and her employee ID was XXXX she explained to me that she was a floor supervisor and was not able to help me that she could transfer me and that person still would not be able to help me. I explained to XXXX that I am in the Military and that I constantly move around that is why I have my fathers address as the mailing address. My father is currently XXXX miles away from me and also out of the country. She explained to me this is Capital one 's policy that they can not help or reset my password without the account number. So I explained to her how can I do that if I am not even around my father 's address and I am constantly moving around and that is the point of me sending my mail to my father 's address. The point is that I had to close my account with capital one due to this inconvenience to a service member being away. Something needs to be done about this I pay my bills online and that 's how I have done it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with General Service Bureau, Inc. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Incessant phone calls are coming in to cellphone number XXXX from General Service Bureau ( GSB ) out of XXXX Nebraska. Phone calls to a 'cellphone ' is a violation of the Telephone Consumer Protection Act ( " TCPA '' ) 47 U.S.C. Section 227 ( a ) ( 1 ) based on the fact that under the TCPA it shall be unlawful for any person or entity to make any call ( other than an emergency ) or prior expressed ( written ) consent of the called party, using any automatic telephone dialing system or artificial or pre-recorded voice. Consumer has NOT given ( written or verbal ) permission for entity to call consumer. If after the agency is notified that consumer does not wish to receive calls and the agency continues to do so the agency can be sanctioned in the amount of {$500.00} dollars to {$1500.00} dollars per each violation there after. Consumer is making this report with your agency as consumer wishes all phone calls to 'CEASE ' immediately!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on XXXX, Equifax , and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax did not report this breach in a timely manner, and even then did not provide notification to me through mail, phone, or email. When checking to see if I was affected on the Equifax website, Equifax chose to not provide a simple yes-or-no answer. They have only stated that " they believe my personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went to Experian in search of a free credit report, which I have since learned is not available directly through the reporting agency. I registered for a {$1.00} Experian Credit Report on XXXX XXXX, 2016 and was pleased with the result. After receiving XXXX separate marketing emails over the next two weeks, I went to unsubscribe and found that I had an active, recurrent membership at a cost of approximately {$22.00} per month. I immediately cancelled my membership and called customer support to waive the fee, as I did not know I was enrolled in a monthly reporting package. 
Customer support informed me that the {$1.00} report I signed up for included an automatic enrollment in the monthly service ( again, at XXXX the initial cost ) and that I had missed the seven day window to cancel service. When I did go to cancel service, it was both difficult to find and required multiple logins ( in contrast to the registration ). I found that Experian did, in fact, state that I would be enrolled in the Terms & Conditions, but had not highlighted the charges in the initial service I signed up for nor in any of the XXXX subsequent emails. I am fortunate to be in a position to write off a {$22.00} fee as a learning experience, but feel intentionally misled by the {$1.00} upfront cost for what was marketed as a one-time report. While I believe the credit information issued was accurate, it was not clear to me that the report was only an estimate provided by Experian, and not an official report. Based on my experience, I believe Experian 's business practices merit a second look, and that they have engaged in similar predatory behaviors as XXXX and 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 monetary relief
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: When speaking with the employees of Navient, I am never given a specific name of the person that I speak with, so I am unable to convey that. I have called Navient multiple times to inform them about the fact that I am unable to make payments, as they are too high. I have received different information from all employees that I have spoken with, I have asked for them to help me, and I have been told that my cosigners need to submit a financial statement. I was told the last time that I spoke with Navient that one of my cosigners did not need to submi t one. Th en I was told the next time that I spoke with them that it was required. I am being told false, inconsistent information, and I need assistance with lowering my payments. Navient is also calling me multiple times a day while I am working, requiring payment when I have communicated that I need assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: we are trying to perform a short sale with Wells Fargo. There have been XXXX offers on my home, yet Wells Fargo has not even reviewed them yet, after two weeks, because they ca n't seem to get this open to do a short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Clark County Collection Service (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me someone in XXXX for a condo in my name and skip out on the lease costing me XXXX on my credit report i have spoke with XXXX county hundreds of times and they told me that it will remain on my credit they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On  XXXX   XXXX ,   XXXX   I received a promotional offer for 24 months no interest financing on my Home Depot Credit Card. I conducted an over {$15000.00} transaction on  XXXX   XXXX  after being assured via email that I would qualify for that promotional rate.  Home Depot  has never honored that commitment. I have been in communications with them since that time and now they have stooped responding. I have tried to resolve this issue with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  and  XXXX   XXXX  a Customer Care Resolution Expeditor. They refer me to  Citi B ank who tells me that I have to talk to  Home Depo t.

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 07-07-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The company XXXX XXXX XXXX which is a subsidiary of XXXX XXXX XXXX filed a default judgment against me for credit card debt accrued by defunct company XXXX XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with XXXX on XX/XX/XXXX before the company went out of business. The debt was accrued XX/XX/XXXX. XXXX XXXX XXXX acquired XXXX in XX/XX/XXXX and this arm became XXXX XXXX XXXX that same year. Since my debt was initiated and established during the existence of XXXX and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as XXXX is attempting to collect a debt of the defunct company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Credit line increase/decrease

Complaint: Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, XXXX, on XXXX/XXXX/15, that Discover used to decrease my credit limit. I contacted Discover on XXXX/XXXX/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately {$1300.00} to {$200.00}, which was alarming because I had not used the card in weeks, since making a payment of {$1200.00} to the account. I was informed by XXXX that a credit card utilization review of my account had been completed, based on information from XXXX, and it was decided to decrease my limit from the {$5200.00} to {$4000.00}. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the {$5200.00} from the original limit of {$4500.00}. I contacted XXXX and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was XXXX/XXXX/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly payment amount, with this company. I do n't think it is fair to me, the consumer, who has been nothing, but exemplary in my payment history to have my credit limit, first increased, then decreased further than my original limit without any telephone contact, not the letter that I was informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in XX/XX/XXXX, specifically XX/XX/2015, I paid off a {$6000.00}, credit line with XXXX XXXX, a {$7000.00} personal loan with XXXX XXXX, a {$500.00} line of credit with XXXX XXXX XXXX XXXX ( XXXX ), ( formerly XXXX XXXX XXXX XXXX ), a {$6000.00} personal loan with XXXX, paid off my credit cards with XXXX XXXX and XXXX, all, which have not yet reported for XX/XX/XXXX.

Company response to consumer: Closed with explanation