milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OR).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Hello - I opened an account with BBVA Compass bank on XX/XX/XXXX under a bonus offer to receive a bonus of {$200.00} in exchange for doing at least {$300.00} in direct deposit, which i fulfilled two separate times on XX/XX/XXXX and on XX/XX/XXXX - i was told that i would receive the bonus within 60 days of meeting the bonus requirements. I did not receive any promotional bonus as of this writing, and after submitting my case to BBVA compass several times via secure message, they have told me twice that it was under internal review, only to not respond any further - once on XX/XX/XXXX ( representative XXXX ) and then again on XX/XX/XXXX from representative XXXX - both promised a 24-48 hour response with no avail. I am very unhappy that this process has been so difficult and that BBVA Compass has been so poor at responding to my requests. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this company has been calling me 3 times a day. I am not well and have not answered the phone. They then have been calling my mother, whom I have asked them twice not to contact again since she is old and ailing. They continue to contact her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit report to purchase a home last month. I never checked this prior to now as I was n't getting any loans. I found that XXXX was reporting a credit card I have never opened nor used. I have disputed the charge with XXXX of the reporting agencies twice now. On both occasions they reflect updated. I have yet not been provided with any proof that I in fact was the opener of the account. The only history is the total amount due and a few dates. There are discrepancies on each report in dates and payments. My lender suggested I offer to pay this fraudulent debt to have this negative account ( I have zero knowledge of ) removed from my credit reports. XXXX refused to accept a payment to satisfy the account while still refusing to provide any information to prove in fact that the account was opened by myself. When this account was open I was also the victim of bank fraud with my local XXXX. I had airline tickets purchased in my name without my consent. I never imagined someone would have been able to open a credit card as well. The TransUnion Report reflects that in XX/XX/2014 a payment of {$35.00} was made. All the other reports show zero payments. The TransUnion Report also shows last payment made XX/XX/2014. XXXX shows a contradiction with a date of XX/XX/2014. The XXXX Report shows account closes/charge off on XX/XX/2014 TransUnion Report shows date close/charge off on XX/XX/2014. XXXX has a duty to to give me a written response within 30 days to prove validity of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cascade Collections, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off my Home ownner Association dues before a left the home.That was approximately 5 years ago. The Home owners association confirmed the debt was paid. Over the years I have told them numerous times that their records are wrong and it is effecting my credit rating. They refuse to correct this and keep sending me demand notices. The name of the agency is Cascade Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The name is XXXX XXXX account # XXXX Re : XXXX HOA in XXXX XXXX. I live at XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/14/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: have been trying for over a month to get a 5 yrs payment history, finally received one last week but XXXX was for some other person. I have talked to supervisors but because of my bankruptcy in XXXX they give me to another dept and sy it will be 10 to 20 days but nothing happens. This week they said a fax was sent to my place I am trying to refinance with, to get some info and when I ask my rep they never received anything. Now I am in danger of loosing my locked in loan rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was in active review for a loan modification since XXXX/XXXX/XXXX ( see attached, email receipt from M & T Bank acknowledging a packet has been received ). I had complied with all of the document requests ( see email chain between my counselor XXXX XXXX and M & T Bank, XXXX XXXX was sending the documents through the portal on my behalf ). As you can see, M & T failed many times to respond to XXXX requests for updates on my loan, and when she tried physically calling to M & T bank since she was n't getting written responses, M & T Bank told her they did not have authorization on file, when it was faxed to them once on XXXX/XXXX/XXXX and again it was sent with the packet submitted through Hope Loan Portal on XXXX/XXXX/XXXX. There were so many delays on M & T Bank 's part that XXXX XXXX had to get a 3rd party involved to try to force M & T Bank to respond ( those emails are also attached ). 
XXXX XXXX had to refax the authorization form twice in XXXX XXXX after trying, but failing to get an update on my file. She refaxed the authorization form to M & T on XXXX/XXXX/XXXX, and they said they did n't get it, which caused another delay. She then tried emailing again though Hope Loan Portal to no avail ; then refaxed it on XXXX in desperation. M & T finally received that one ( I have an acknowledgement letter attached ) and then told XXXX XXXX the house had already sold at foreclosure auction on XXXX/XXXX/XXXX. 
My house sold because I did not have a copy of my pension award letter ( you can see that was the last thing they wanted ) - I could not get it that fast because the award letter had to be mailed, my pension benefits department would not fax it to me. M & T did nothing to help stall my foreclosure sale date even though they were only waiting for ONE document, and they had plenty of time to try to stall the foreclosure to help me get my documents to them. They also caused numerous delays, as you can see, by not responding to update requests in any sort of timely manner. My house would not be sold if they were doing their job in helping me delaying the foreclosure by a few days to allow me to get a copy of my award letter. I complied with all of their requests and unfortunaltely I could n't make my pension benefits department " hurry up ''. Even though they did n't have the actual award letter, I did send them the pension statements I get in the mail each month and the amount clearly does not change ; also my bank statements I sent to them every month show the same pension deposits every month - unchanging. Despite all of this, M & T kept moving forward with foreclosure because I did n't have the ACTUAL award letter even though they see it stays the same every month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cooling & Winter LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Twenty two years ago when I was XXXX XXXX XXXX I signed a Retail Installment Contract with XXXX XXXX XXXX to finance a gym membership with XXXX XXXX XXXX in the amount of {$1000.00}. Four years later my wife was served at our home at XXXX XXXX XXXX XXXX GA XXXX with Civil Action 98-CV-1308 in regards to this unpaid contract. A judgement in this matter was filed on XXXX XXXX, XXXX and my wages were subsequently garnished until the judgment was satisfied in full. Please see the attached documentation showing the garnishment on this matter was satisfied in full on XXXX XXXX, XXXX. I never heard anything further regarding this matter. We were never informed of any liens on our property pertaining to this matter. 

On XXXX XXXX, XXXX I received a letter from XXXX in regards to a judgment in the matter of XXXX XXXX XXXX in the amount of {$770.00}. On XXXX XXXX, XXXX I called and spoke to XXXX XXXX with this firm and discovered that this was the XXXX judgment. I informed him that this judgement has been satisfied twenty years ago when my wages were garnished. I also requested Validation of the Debt and followed up this call with a letter ( see attached ). I never heard anything back from this firm nor received any Debt Validation. 

XXXX XXXX, XXXX I sold my property at XXXX XXXX XXXX and a law firm handled the paperwork pertaining to that transaction. Subsequent to the sale of my property I was contacted by the law firm because they had been contacted by Cooling and Winter regarding an unpaid lien on my property in the amount of {$820.00}. After researching this matter I have discovered that it is in fact in regards to the debt that was collected by XXXX XXXX XXXX and XXXX back in XXXX. After the satisfaction of the debt by garnishing my wages they subsequently filed not one but two liens against my property. One in XXXX and one in XXXX, both on a debt that had been fully satisfied back in XXXX by my wage garnishment. The firm who handled my closing unfortunately paid them the money and are now trying to recollect it from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax believes my data to have been compromised in the recent hack. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (IN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I took out a car loan with Chase Bank on XX/XX/XXXX through XXXX. I paid {$3000.00} cash down. Payments of {$260.00} began XX/XX/XXXX. I have been paying in cash most of the time, but lately, pass few months some times I have been asked to show my ID to pay in cash. When I did n't show my ID on XX/XX/XXXX, the payment was accepted. On XX/XX/XXXX the teller refused to accept my payment without my ID stating '' The process could not be completed without my ID. because I was paying with cash. I ask " why, she replied that Chase requires an ID to be shown to complete a transaction with cash.I stated that I paid the bill last month without showing an ID. She stated '' they must know you there or you have an account there. I replied, NO, I just have a car loan through Chase Bank. She apologized for not being able to accept my payment. I took my money back and contacted FDIC over the internet and filled out a complaint about Chase but it would n't go through. I then contacted FDIC through their XXXX number to be told '' Chase is no longer affiliated with FDIC and was referred to CFPB.
I just want to pay my bill the way I want to pay it without any hassles as I have done in the past. I looked at my receipt from Chase and it states that '' JP Morgan Chase Bank, N.A. Member FDIC, Equal Housing Lender. Please explain what the person meant by Chase not being affiliated with FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Consumer Loan (Installment loan) with Allied Interstate LLC (WA).
Issue: Problems when you are unable to pay

Complaint: Allied Interstate has been calling my cell phone from an automated dialer several times a day several times a week, and even after making contact with me, they still call me back to back. They will not disclose any information about their company when asked very specific questions such as : 1. What is your phone number so I can call you back? They will provide an XXXX that does n't come up on caller ID and outsourced in XXXX based on the little info I could get from them. 

2. Would not provide a website to confirm who they are? They are asking me for all this info and not disclosing themselves properly and giving false info. 

3. Will not identify themselves and the nature of their business when asked.

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 04/17/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Delinquent account

Complaint: My creditor is using abusive collection tactics. I told them I am in the process of filing a bankruptcy as recommended by a consumer credit counseling agency. The company then tried to demand payments and told me they would potentially refer me to their attorney for further collections. The lady I spoke to was very rude and very much not understanding of the situation. She made several threatening and intimidating statements during the call including that calls would possibly even continue while I am in bankruptcy and that they may conduct a review of my income and assets for dealing with further collection of this {$800.00} debt. I informed this person I barely had enough money to pay for my food and prescriptions and that my income had been greatly reduced. She kept pressuring me to make a payment. I told her my bankruptcy would be filed in the next two days and I did not have money and she just kept pressuring me to pay her. She really frightened me to the point where I was afraid she was going to keep calling during a time when she should n't.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I went to XXXX for free annual credit check today which is oX/XX/2018 about XXXX. I got to review all the reports from all three which is XXXX, XXXX, and transunion. Now the transunion was asking for my credit card number so I gave them my debit card assuming it 's to prove who I am before they give me my information. They charged me {$19.00} twice which is a total of {$39.00} today. I thought this annual report is for free? Why are they charging me? They later email me a number to call but, nobody is there to answer your call.

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 01/15/2018 about Debt collection (Credit card debt) with WAKEFIELD & ASSOCIATES, INC. (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Legal action was taken against me by Wakefield & Associates, INC on XX/XX/XXXX and papers were served on XX/XX/XXXX. They 're suing me for a debt dating back to XX/XX/XXXX in the amount of {$720.00} on behalf of XXXX. I disputed this account with all 3 major credit reporting bureaus on or around XX/XX/XXXX. All three bureaus deleted the item from my credit reports after their respective investigations. I filed the disputes after noticing that the amount was incorrect and that they seemed to be charging interest on an old debt. I am now looking into legal aid for what steps to take against them as they seem to buy old debts that are at, near, or past the Statue of Limitations for collections and then file lawsuits to try and collect.

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 08-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: Capital One continues to report inaccurate information on my credit report for account with capital one account XXXX. 1. This is a charged of account from XX/XX/XXXX it should no longer be being reported. 2. I requested you verify the account information several times, and Capital One has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4.Please remove account from my credit report immediately as it past the statue of limitations on which you are able to report. In addition you continue to report inaccurate account information and have failed to provide me with valid account information. Remove account from my credit report or I will seek legal action. Attached is proof that the account has been sold to a collection agency, there should be a {$0.00} on capital one 's file due to the fact account was sold and no longer collectable by Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The collection company by the name of " MCM '' or " Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I applied for a job and the employer did a background check. In that report it shows that there is a judgment under my previous name, which was XXXX XXXX XXXX. I changed my name since XXXX, when I became a XXXX XXXX. For the past XXXX years I lived in XXXX XXXX XXXX XXXX California and had no relationship with Discover Bank or Discover Bank XXXX XXXX XXXX company. I initiated my relationship with Discover Bank on XXXX/XXXX/XXXX, when I obtain my current credit card with them. The judgement shows case number XXXX, case name Discover Bank vs. XXXX, XXXX XXXX. The report also shows a match with my DOB. When I pull the case # from the XXXX XXXX XXXX XXXX XXXX is shows the same information but includes a principal balance ( Line XXXX ) of {$4900.00}. I contacted XXXX Customer Service XXXX. on XXXX/XXXX/XXXX, the representative who took my call did a research and stated that when she entered my XXXX only XXXX account shows ( my current credit card with a zero balance ) ; However, when she search by the name and the principal amount she stated that there was an account showing the matched that description. This information was later on confirmed by the representatives XXXX. I requested to have a letter that will clearly state that I only have XXXX account with them ( Discover Bank XXXX, with a XXXX balance and that there are no other account ( XXXX ) with them for the aforementioned principal balance link to me, my SSN, and previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FLAGSTAR BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX, I received a letter from FlagStar Bank stating my re-modification application was " complete '' for loan # XXXX filed in XXXX of XXXX. I would then receive a " written notification '' in 30 days which as of today, I 've not received. I have made numerous attempts to contact my " point of contact '' XXXX XXXX leaving multiple messages never getting any calls returned. 
I did received a phone call on XXXX/XXXX/XXXX from the " Underwriting Dept. requesting a copy of a lease I issued to a new tenant which was confirmed received by the default dept. the following day. 
I then called the " Default Dept. on XXXX XXXX and spoke to " XXXX '' and she stated my modification of my loan has been " approved '' and I should be receiving documents within 30 days. On XX/XX/XXXX, I received a letter from XXXX XXXX of FlagStar Bank stating she will be my new " point of contact. '' Unfortunately, the same problem continues never any return calls from messages I 've left. 
The only calls I get is a " recorded message '' after hours stating its " urgent '' I call which I do the following day to XXXX XXXX leaving another message requesting a call back. 
On XXXX/XXXX/XXXX, I called again and spoke to XXXX of the Default Dept. stating I 've not received my new documents only to be told " my modification '' was finally approved. 
Now we are moving into XX/XX/XXXX and still not documents or returned calls by XXXX XXXX XXXX. 
Obviously, FlagStar Bank has shown " no urgency to modify my loan '' and thus being an " interest only '' loan plus with the market crashing the value of my home has taken a severe drop in value.

Company response to consumer: Closed with explanation