milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was checking my credit report and found that there was a civil claim that does not belong to me. When I contacted Experian they said that I had to file a dispute which would take up to 30 days. I decided to back track and found that the debt belong to my dad ( we have the same name, he 's XXXX And I 'm XXXX XXXX. I called Experian and told them that I contacted the original company which is XXXX and when I gave XXXX my ssn # they was no account linked to me when I gave my fathers ssn # the debt was linked to him. Then I contacted the debt collector XXXX XXXX XXXX and gave them the same info my ssn # was not linked but my fathers was. When I contacted Experian they said I need to send them proof I told them that neither company would send me a letter stating this was not my account. I went to XXXX XXXX they said they could n't either as they have nothing to do with the credit. I contacted XXXX and XXXX and they also said there was no public record on their report. I have spoken with different people from Experian and I keep getting mis lead information. The first one said to dispute. Then another said the computer was down but if I had the ssn # to call back and they would be able to run it and if nothing shows up they could clear it, when I called back the other person said he did n't know why they said that cause they ca n't do that it has to be disputed. I do n't understand why Experian can not run my ssn # when I was able to trace it back to my father with my ssn # and have those companies tell me that they have no account with me. I do n't know why it 's difficult. Why ca n't Experian call the debt collector to get the right ssn # that it 's associated with as like I did. By having this on my report it 's messing everything up I have talked to the companies and I do n't know why Experian can not call them to see if the ssn # linked to this debt is not me. I do n't know how they can just go based off the name as I 'm sure there 's other people out there that have the same name like me and my father. It 's very frustrating just knowing it 's not me and they want proof and all I can provide them with is that I contacted the companies and they say it 's not me yet they can not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2016 about Debt collection (Medical) with Medical Recovery Services, LLC (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received medical treatment at XXXX XXXX Medical Center in XXXX, Idaho. Used a Veterans Administration Patient Card. Assumed VA paid the bill. Now getting served with papers from Medical Recovery Services with 20 days to respond. Papers are dated XXXX. XXXX, 2016 brought to my door on XXXX XXXX, 2016 at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 05-03-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: On XXXX XXXX, XXXX, my wallet was stolen containing credit cards and my Macys American Express card. I notified all my card carriers including Macys Customer Service of the stolen card on XXXX XXXX after my purse was stolen. XX/XX/XXXX, statement with fraudulent charges of {$410.00} and responded with a letter dated XXXX XXXX, XXXX disputing the charges. Since I sent the letter of dispute, the fraudulent charges have not been removed from my account and I have no explanation of when they will be reversed. Numerous times I have called Customer Service to ask for an explanation and been transferred by a customer service agent many times to various phone numbers seeking someone to explain the situation to me. The phone numbers I have been given are XXXX, XXXX, XXXX, XXXX, XXXX. Please assist me in removing these fraudulent charges from my account. Thank you.

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 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I just received the attached letter on XXXX XXXX, from Chase suggesting I look into Short Sale of my home of nearly 27 yrs. I take this letter as a threat to sell my home out from under me!! like the already filed complaint ( CFPB ) referenced the phone call I received from Chase Collections dept in my previous complaint with CFPB whereas the caller told me that they could sell my home out from under me and I would not know anything about it until I got an Eviction notice from the local sheriffs dept. I am extremely concerned that Chase is about to do this to me, I feel extremely emotionally abused and threatened. There is a deadline date of XX/XX/XXXX on this letter attached. I am still awaiting to hear from Senator XXXX XXXX office if XXXX gave up to them the audit that XXXX did on this predator loan in XX/XX/XXXX. I am presently looking into a possible court action against Chase for Blackmail ( Chase previously tried to rope me into a XXXX modification or face possible foreclosure etc ... ), fraud and etc .... on this matter. I believe that Chase is trying to ignore the wrongs they are and have been doing to me causing enormous duress and extensive financial and emotional, strain and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (I do not know) with Nelson Cruz & Associates LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " Nelson, Cruz & Associates '' for an outstanding balance unpaid to " XXXX XXXX XXXX ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from Nelson, Cruz and Associates. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by XXXX and then mentioned it was somehow related to a XXXX through XXXX XXXX. He also refused to give me any contact information for XXXX. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted XXXX immediately and they had no record of my social, account or name. The XXXX rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the XXXX account number was not referenced in the collection. XXXX recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for Nelson, Cruz and associates and it appears I am not the first they have attempted to scam. I am attaching the scam letter from Nelson, Cruz & Associates to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested my credit report from annual credit report website - and received my credit reports. I found several additional names on my experian credit report and tried to use their online site to dispute. However, instead of taking my request to dispute, their website told me to call a experian number. I called the number and their prompting told me to go to their website to get further information. I found instructions on their website which told me to follow the instructions for disputing that are contained within my credit report. I read the credit report and it instructed me to submit a dispute complaint to consumerfinance.gov. I am stuck in a loop and want to get these references of other names off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Delinquent account

Complaint: Hello, my credit score and report has and is always perfect. I never pay anything late and always pay early the full amount I owe. Never a minimum balance and never had any issues with any credit cards. On XX/XX/2014 Macy 's put a delinquency on my account which I did dispute. They never send me the bill and explained to me that it was not my fault. They got the payment as soon as I called them and let them know I did n't get the bill. I paid in full a week later. They admitted they had issues and said it should not effect my credit report. Yes they did put the account in delinquency. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with DISCOVER BANK (TX).
Issue: Taking out the loan or lease

Complaint: I co ntacted Discover Card to g et a debt loan consolidation. I was quoted 11.99 % and 10.99 % with direct deposit. I decided to shop the loan around for a few days and called back to accept. When I called back, I was again offered the same rates, but I inquired about getting something even lower than 10.99 %. After speaking to a supervisor she ensured me that 10.99 % was the lowest rate they could offer me. I decided to accept the offer and when I received the paperwork I noticed they kept the rate at 11.99 % and did not lower to 10.99 % as promised with direct deposit. I have all of this on a recorded line and they are refusing to honor their initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Nelnet is inconsistently reporting XXXX student loan accounts on all XXXX of my consumer credit reports for account # XXXX. Each report shows a different " status. '' These loans were sold or transferred and are now consolidated. I demand that Nelnet deletes these XXXX negative accounts. I do not have a balance with this company, so I do not understand why they are reporting that my current status is 120 days past due. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Ballybunion Enterprises, Inc (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, XXXX I got copies of my XXXX XXXX XXXX credit report and noticed that XXXX XXXX XXXX was on my report. It says that I owe {XXXX. I never opened an account with this corporation. I sent them a letter asking to validate the debt and they sent me the contract with a signature thats not even mine. It shows no proof that the loan was mine besides my name and my new address that they got from my credit. Also it says that my XXXX from the XXXX was on XXXX/XXXX/XXXX but my XXXX was XXXX/XXXX/XXXX so that tells you right there that information isnt mine. Plus I never had a XXXX phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: For the last year I have received Email messages from Wells fargo Bank about my online account but never opened them believing they were spam. I have no online or any other account with Wells Fargo. Since the action was taken against Wells Fargo for fraudulent consumer enrollment in various services, I thought my problem was included as part of the resolution until I received an Email this morning from Wells Fargo about my online account. I believe Wells Fargo has engaged and remains engaged in fraudulent activities that need to be addressed.

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 08/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: on XXXX-17 i received a letter from Diversified consultants inc. informing me : XXXX XXXX is the new owner of this account and DCI is working for them to collect this Debt for {$170.00} for an ancient ( over 18years ) ago Account I had with XXXX XXXX? Which should have been resolved 20 years ago! Numerous times in the past 15 years, I have had this Removed from my credit history and yet it somehow it comes back every 4-5 years? What is the point of going through all this reporting to the credit companies and fuss if they can just bring this back anytime they feel? then we go through the same process off contacting XXXX then wiping it off my credit history. is there any Legal recourse is this? how do i get this to stop once and for ALL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian Credit Agency keeps sending me letters say that my information does not match ; my Social Security number does not match my name. I 've done everything in my power to prove that is does. I 've sent a copy of my Social Security Card, my photo ID, my XXXX, a utility bill with my address. I also went to Social Security Administration Building and had them verify all of my information. Social Security Department wrote a letter to Experian stating that my name matches my Social Security Number with notarizing it. And yet I 'm still receiving the same letter from Experian stating that " The Social Security number you gave us does not match the identification information in our database. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Overdraft charges with my bank chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The house is supposedly has a Sale Date. I 'm using agency to help me. But I do n't understand neither the Agencies or the Bank with Mortgage. I 've turned in all the paper requested. But I 'm very confused not getting any help or answers. And at this point I 'm desperate do n't know what else to do!

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 12/22/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX creditors reporting on my credit reports XXXX, Experian. Target and XXXX XXXX. I disputed these companies as fraudulent since discovering in XXXX or XXXX. Even though these were not my debts they refused to remove. They have had these on my credit reports 9 or 10 years which they should have been removed any ways. But what they the companies keep doing is going in and updating the date opened, which is fraud. They went and said XXXX or XXXX as opened when again, I have been battling this since XXXX or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Money transfer, virtual currency, or money service (Money order) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: I am writing this complaint in order to address a major issue I had with the US Bank. I fell victim to a scam after I had deposited a check and withdrew money orders which was initially cleared from the bank. It turned out the check was faulty and now the bank claims that I owe them the money I withdrew. 

My issue initially began on XX/XX/2017, when I took a trip to my local US Bank and was told that my account was frozen. The problem was a check I had recently deposited. 

Two weeks prior to this, I received a call from the number ( XXXX ) XXXX, claiming I had won a sweepstakes. The man on the other end had said that I had won {$850000.00} in cash and a XXXX XXXX valued at {$60000.00}. He had instructed me to wait for a check in the mail in order to claim my prize. A week later, I received a check of {$2700.00}, which I deposited to my US Bank account. 

After the deposit had cleared, I headed off to my local post office and purchased four money orders of {$500.00} each. I began to mail out the money orders to the respective sweepstake addresses needed to claim my prize. Two of them were mailed out to an XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, NC XXXX, and the other two were mailed to a XXXX XXXX at XXXX XXXX XXXX Wy, XXXX AL, XXXX. 

However after this was done I was told by the US Bank that the check had declined and that I owed them the {$2000.00} that I had previously withdrawn from the money orders. I attempted to call the original number again to fix this. However, I received no answer. I am extremely distraught by this issue and how the US Bank allowed me to send out money I did not have to a scam.

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 11/23/2016 about Debt collection (Medical) with Advantage Financial Service LLC (Idaho) (ID).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This is in regards to case Number XXXX. I have sent you another letter about Advantage Financial Services. I have proof, and will present it at a Schudule hearing on XXXX XXXX. I have already informed you about it in the past. 
Advantage Financial Services signs their own complaints. No attorney signs them. I have found that to be so in our case and I am in connect with another person that it has happened to. The signatures on the Complaints are not AFS 's attorney. I have seen the XXXX signature, the signature on our complaint, and the signature of this other person. I am telling the other person to also file a complaint. I am not including her name here because I do not yet have her permission to state her name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: My mortgage was sold to a new company that uses a servicing company called Shellpoint Mortgage Servicing. I tried to call them to get details for paying my payment. I tried every option but all ask for my ten digit phone number on file. I tried every phone number that I have had for the last 30 years. It will not let you speak to someone without the correct phone number. I mortgage payment is due in less than fifteen days and I am not sure where to send the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Auto debt) with Riverwalk Financial Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was removed do to failure to send me verification. This agency has now put this debt back on my credit report without sending me any notification or verifying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: #NAME?

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 04/25/2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (GA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: My wife and I opened a new checking bank account with Charles Schwab. T o do this we provided our  XXXX  expecting that this would be used for a identity verification and result in a soft credit file hit.  Ch   arles Schwab has done a hard credit file hit. We did not apply for any credit and we do not want any credit with Charles Schwab.
We have requested Charles Schwab to remove it and they refuse. We have disputed it with  XXXX . The hard credit hit is only with Equifax. Charles Schwab has done soft credit hits with  XXXX  and  XXXX . Soft credit hits for identity verification are fine.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a fire at our home ; received the check from the insurance company and it was made out to my name and Wells Fargo. The local branch said we had to sign the check and send it to Property Loss Dept. in Ohio, they also said that we had to furnish them with a pay off quote from the home equity dept. and sign it ; the local branch overnighted the check but we had to wait to send the letter because a payment was due so we had to wait again to submit the info so I had to call home equity again to get a pay off figure, I faxed it to property loss and they told me it takes 2 days to verify a fax! another week I called again and they told me they ca n't honor the verbal quote I need a fax from home equity dept. I 've had numerous phone calls placed and the loan is still not paid. It is XXXX XXXX and the last call was that the fax was forwarded to the dept. that will expedite this but I still do n't have answers as to when this will be paid and when we will receive the rest of our money that they are holding in an account. Can you please help us?

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