milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at Discover. She declines to return my phone calls and will not respond to my letters. 

Discover is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. Discover card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted Discover and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with Oxford Law, LLC (DC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Struggling to pay mortgage

Complaint: Hi my name is XXXX XXXX I been have trouble with Wells Fargo home mortgage every year I send them a copy of my receipt and then they said old it went to someone else 's account it will be fix so now they send my money back foe the month ofXXXX of XXXX so I just been put the mney on the side and I apply for a modification and I send the mortgage a copy of everything they ask me for a copy of my award letter from my XXXX XXXX and a copy of a award letter for my sister she stay with I and so they call on XX/XX/XXXX and told my sister that they could not get an copy of my XXXX XXXX from thr IRS and I told them I do not file tax my sister do n't file taxs allso the man name XXXX XXXX XXXX IS IT ALL RIGHT THAT U GAVE ME A VERB STATEMENT THAT U OR YOUR SISTER DONT FILE TAXS SO THAT was find XXXX XXXX call on XX/XX/XXXX and Said the modification was not approved and I ask why XXXX said something was wrong with the document and I ask what and he told I he could not said so I call the XXXX XXXX and ask them can they send the mortgage company the verification letter of how much I received and they told me they can only send it to me so I send it to them again and my sister is Waite for her verification letter from her social security I received {$1200.00} and my sister received {$1500.00} a month and after they take of she received $ XXXXand my month mortgage payment is only XXXX and I no THAT more then enough I did some reach search on wellsfargo and they are very prejudice they gave XXXX XXXX a hard time and they like to take XXXX XXXX HOME I all so ask can I pay the regular note and a half note and XXXX XXXX said they can not do that and went u look on the web about what kind of hardship they have they one of them so can u all PLEASE HELP ME TO SAVE MY HOME MY BALANCE IS ONLY {$41000.00} thank u very much XXXX XXXX every thing they ask me for I gave it to them

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 05-12-2016 about Mortgage (Other mortgage) with Seterus, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. 

Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.

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 09-09-2017 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 did not protect my credit information and sensitive personal information was compromised in the hack. I need to pay money to freeze my credit reports for a mistake I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Auto debt) with TRACO INVESTMENT CORP (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX   XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB : On XX/XX/XXXX, I received employee instructions for a garnishment/ earnings withholding order from my HR department from an attorney out of California representing XXXX XXXX , XXXX. , much to my surprise. After freaking out about my livelihood being threatened, I called the attorney of record and spoke to XXXX XXXX at XXXX. She said I could modify the amount that is to be taken from my paychecks but I told her this was not my debt, I did not know who the company was nor did I know that the debt/ judgment existed! I have lived in Nevada since XX/XX/XXXX so I was never served any paperwork on this debt nor have proof that the suit was ever published in any newspapers to notify me of the debt. 
There are a few issues that need to be raised : 1. I never received debt validation, as I was unaware of this judgment until a few days ago, so I request full debt validation with original application signed etc. 2. This judgment is not on my credit report nor has it ever been so I was unaware of its existence. 3. The judgement /garnishment order was served across state lines without proper domestication of said judgment in Nevada from California , which is illegal. See NRS 17.330-17.400 attached hereto. 4. XXXX XXXX refused to provide debt validation as I kept telling her this was not mine I had not idea what it was. 5. Upon a phone call to the attorney about violating the above laws, they sent a termination of withholding to my HR department. 6. I would like to file as many complaints as there are issues with this situation so that they do not do this illegally to anyone else! I want them to be fined and that they be held accountable to the maximum limit of the law and the judgment to be thrown out! 7. I want monetary compensation for the illegal activity on their part and my rights that they have violated. 
XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I would like to file more complaints but was unsure how to choose more than one violation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a mortgage refinance loan from PenFed credit union in XXXX 2016 via the internet and gave them the requested information they sought, which included income from my wife and myself, past credit experience etc. About four days later I received an E-mail from their loan broker in XXXX, Oregon stating that he had my application from his home office, and that it appeared I would not qualify for the loan because of my income level, even though it all had not been verified. I therefore ask the loan officer to cancel my request, which he agree to do. In the loan application they requested a bank card to cover expenses in processing the loan. I believed they have incurred no expenses but they have charged my credit card with {$84.00}. Why? 
I called the PenFed office and asked that they remove the charge of {$84.00} since they have incurred no expense except for the on line application. They refused my request. I argued that the only information they had for the application was the info I provided for them on my online application. 
I would like to have the PenFed charge removed from my credit card or the amount of their charge be returned to me.

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 06/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on XXXX/XXXX/XXXX, I received a text message from my Barclay bank asking me if I authorized a cash advance on my credit card for a cash advance from  XXXX XXXX XXXX for {$600.00}. I immediately called Barclay Bank and told them that I did not authorize any cash advance. They also asked me if I made a purchase at XXXX for {$9.00} also on XXXX/XXXX/XXXX. I told Barclay bank representative that I did not make this charge as well. My card was also charged for a cash advance fee of {$30.00} twice for a total of {$60.00}. I was charged a total of {$680.00} that included an interest fee of {$12.00}. I called Barclay bank Fraud department and the investigator told me that they would start an investigation. On XXXX/XXXX/XXXX I received a letter from Barclay Bank stating that I was not responsible for the charges and interest while they were investigating the disputed charges. On XXXX/XXXX/XXXX I received another letter from Barclay bank stating that the investigators concluded I was responsible for the charges. 

on approximately XXXX/XXXX/XXXX I called Barclay Bank fraud department and told them that I did not make these charges and disputed them. Barclay Bank investigators told me that they would reopen the case and perform another investigation. XXXX XXXX, I received a statement from Barclay Bank stating that I owed {$690.00} that included a XXXX service fee and a {$15.00} interest charge. Again I called Barclay Bank and the Investigator told me that the  investigation was still in process. The investigator told me that the chip was activated on the card and  since the card was not reported stolen I was most likely responsible for the charges. I told the investigator that someone must have had a card sent to their house since my card was in my office and I did not make the charges.

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 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BAS Receivable Management, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a debt collection by Bonded Adjusting Service XXXX Co XXXX Local number XXXX for a client XXXX Hospitalists. I have never been in the hospital in XXXX. They are attempting to collect the debt for {$440.00}. There is no record that my health insurance company receive the claim from XXXX Hospitalists. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX    XXXX  , I sent a debt valida tion letter to Hunter Warfield. They responded to my  validation letter within the same month. They provided a lease with a signature and a final statement from the original creditor. I responded to their verification disputing several inaccuracies with the account. The letter that I sent them was dated  XXXX   XXXX ,   XXXX  . I waited a full  thirty days ( plus additional days ) before  I sent them another letter which was dated  XXXX   XXXX ,   XXXX  . The problem is that they are reporting I owe them  XXXX  dollars. I 've reviewed the lease, and there is n't a statement that authorizes them to attach additional fees. Furthermore, on the lease it 's stated {$850.00} was the rent. However, on the final statement it is listed as {$1000.00}. The lease stated there was n't a security deposit paid, however there was a security deposit paid to the original creditor. There is a lot of charges that does n't make any sense whatsoever. According to the FDCPA and FCRA, the company should have responded to my request for an investigation within 30 days. It has been well over that timeframe and all three of my credit reports are still reflecting the same information. Additionally, on my  XXXX  report, they are reporting ter ms ( 1month  ). Every month they have been reporting a payment history claiming that my account was charged-off and past due. I 've never made a payment to this company. I 've never signed an agreement with this company agreeing to pay them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XX/XX/XXXX I initiated a dispute with Experian in regards to a bankruptcy that is listed on my credit report. OnXX/XX/XXXX Experian responded that the information in regards to this bankruptcy was accurate. On XX/XX/XXXX I wrote a letter to Experian requesting what method of verification they used to determine their accuracy. On XX/XX/XXXX I received a response from Experian stating that I should refer to my personal credit report for the furnisher or public records office name, address and phone number. The only entity that was listed was the Bankruptcy court. On XX/XX/XXXX I sent a letter to Experian explaining that I talked to the clerk of courts and he informed me that the court does not provide information to the credit bureaus. I asked Experian once again for their method of verification. I received a response from Experian dated XX/XX/XXXX and once again I was not provided with their method of verification. According to FCRA I am entitled to a description of the procedure used to determine the accuracy and completeness of the information and be provided by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. NONE of this was provided after two separate requests. I have attached a correspondences.

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 05/26/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I own my home through Freedom Mortgage XXXX XXXX XXXX and have since 2007. I am experiencing a hardship with paying my mortgage, presently. I have reached out to Freedom to try and gain resolution to my problem to no avail. In XXXX, I reached out to Freedom to perhaps refinance at a lower interest rate and was handled so unprofessional and rudely, getting nowhere, but further behind. I have depleted ALL finances available and still have no help from Freedom. Freedom has no resolution steps for people who experience the unfortunate situation as me and I regret having them as my mortgage company. I have been a loyal customer since 2007 and feel there should be something in place for times like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by XXXX, Equifax, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient aggreed to reduce the interest rate on my account to .0001 % and take automatic payments of XXXX dollars a month to help pay down my balance. The .0001 % interest rate was supposed to begin after I made XXXX qualifying payments. I began making the payments in XXXX 2015, the reduced interest rate should have began in XXXX 2015. They never reduced the interest rate and although I continue to pay them the XXXX dollars a month, my balance continues to grow. I called the Navient Department handling my loan in XXXX 2015. They assured me that the interest rate would be reduced to .0001 % and that my total loan balance would be adjusted. When I received the statement in XXXX, my loan balance increased again. They lied and mishandled my account. I attended the XXXX New Jersey.

Company response to consumer: Closed with monetary relief