milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (CA).
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: Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to XXXX XXXX that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX XXXX into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with XXXX XXXX but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my XXXX XXXX reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: as of XX/XX/2018, XXXX  XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed 6-7 times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. XXXX XXXX XXXX is the same company as LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )

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 08/31/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled an account with XXXX in 2015. I have disputed it 3 times with Equifax and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Phone service was suppose to be disconnected. Because I was lied to about services offered. They waited longer period of time to disconnect and then wanted to charge me more.

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 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have this security XXXX XXXX prepay card ( XXXX XXXX ) for year I always pay in full and in time but in XX/XX/XXXXwhen the hurricane Irma pass to XXXX where I live now I was out my job for half the month and it was impossible to me to pay that month them the report to my all credit report do n't care that was my own money now I do n't want to closed this account and i want speak with them but is impossible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgage in question began on or about XXXX the XXXX, XXXX. I wondered how I was approved for the loan from XXXX with my credit the way it was and my debt to income ratio ; and they told me my wife at that time did not have to sign the note. Bad decision. Went to XXXX XXXX/XXXX/XXXX to what I might could do to stay in my home. Had to apply for a modification, after that had to file bankruptcy ( chapter XXXX ). I was discharged XXXX XXXX, XXXX. There was a class action lawsuit against XXXX during this time that I never could get the true facts of who and what it included. I basically heard nothing from XXXX after the bankruptcy except for a monthly statement that was as stated on it ( for informational purposes only ). But did not receive this statement every month. This went on for about three years. Next thing I know I receive a letter from Caliber Home Loans on XXXX XXXX, XXXX that stated that the prior owner had sold the loan to XXXX Master Participation Trust on XXXX XXXX, XXXX. Not long after that, well about 3 months I received a mortgage statement dated XXXX/XXXX/XXXX from Caliber Home Loans saying amount due {$70000.00}. Of course I was floored. Wow. So I started wondering what to do since work had been bad and basically my only source of income had been unemployment.. Found a job not long afterwards but not enough income to afford the payments without a major adjustment to something concerning the mortgage. Went back to housing Counseling on XXXX/XXXX/XXXX to look at options to prevent foreclosure and stay in my home. On XXXX/XXXX/XXXX sent a Qualified Written Request Letter to Caliber Homes Loans. I received a response letter back on XXXX/XXXX/XXXX, some requested information was answered other requested information was tagged as ''PROPRIETARY INFORMATION ''. I sent back a response letter on XXXX XXXX, XXXX requesting any and all options for LOSS MITIGATIONS that might be available to me. To date I have received a response from Caliber Home Loans, but no answer to the Loss Mitigations Question. I also sent a letter of REQUEST FOR INFORMATION on XXXX XXXX, XXXX. The last letter that has been sent to Caliber Homes Loans c/o XXXX XXXX was sent on XXXX XXXX, XXXX also requesting again Loss Mitigations options available to me and Documents of Legal Transfer of Property from Household Finance. Have not received a response to date except for the 5-day acknowledgement letter. However on XXXX XXXX, XXXX went to my foreclosure hearing in XXXX County North Carolina and the XXXX XXXX XXXX granted the foreclosure sale to be XXXX XXXX, XXXX. I am now in the process of trying to appeal the decision because I found in the paperwork given to me at the hearing that XXXX XXXX XXXX XXXX, XXXX changed the SUBSTITUTION of TRUSTEE to XXXX XXXX XXXX, XXXX XXXX days before the Court Date. Is that legal in North Carolina? Or is it legal to have XXXX substitution of trustees on the same Deed of Trust?

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as XXXX XXXX. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.

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 07-10-2017 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an anonymous call at XXXX XXXX on XX/XX/XXXX which I ignored. The perpetrator ( who said his name is XXXX XXXX or XXXX? ... ) left me a voicemail claiming that he wanted to send a notice out to me and he wanted to advise me that it had to be signed for upon delivery. He left a number to call back XXXX and told me to use reference number XXXX, when I called he claimed that I was going to have my paychecks garnished by TD Bank. I do n't owe TD bank any money and my account was closed for inactivity back in XX/XX/XXXX/XX/XX/XXXX. I do n't know what is going on but this must be some kind of scam. Attached is a copy of the voicemail audio. Thank you for your time and anticipated assistance. <P/>Note : This is the third time I 've been contacted by someone about this bogus TD Bank debt over the last three years. <P/>Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed complaints with the BBB on this company. It continues to report an unvalidated account on my credit reports. I have tried calling them but they wont discuss this over the phone. They kept asking for payment. I sent them a debt validation letter certified mail, in response to their initial demand letter but they ignored it and continue to report negative on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have called and tried to lower my payments or find ways to help me because I wanted to try and make payments. Their concern was about pay due owed and if they did offer to help I had to pay something which I did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Credit decision / Underwriting

Complaint: i want to refinance my mortgage, but the mortgage company, ocwen, will not adhere to the terms of the modification agreement. in that they will not forgive the deferred princpal balance and keep adding it to the payoff figure ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I met a man on an online dating service who broke into my XXXX account deposit the checks in the amount of {$7000.00} requested me to send the money back to them in XXXX and then cancel the checks leaving my account - {$7000.00} I agreed with this stuff cue to pay them them back but they kept taking my whole check each time leaving women no money as a single mother I had no monthly income so I had to stop paying somebody please help me I 've also know that somebody has broken into and has my Social Security account there 's a name that frequently comes up XXXX XXXX I get lots of his emails

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (I do not know) with Nationwide Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved into a house from XX/XX/XXXX and moved out of the house XX/XX/XXXX. My land lady forward the washington gas bill with an established account servicing the house. I paid off XXXX XX/XX/XXXX and inform them i no longer reside at the residence since XXXX. i move on with my life. XX/XX/XXXX. XXXX XXXX sent my information to collection agency in the amount of over {$300.00} with a new established account number trying to make me to pay them for service i dont know anything about. 

I called XXXX XXXX and they said the reading meter for that high bill started XX/XX/XXXX and someone actually paid {$400.00} in to that account but still owe them. Clearly XXXX have information of a check name or creditor name that paid and owe them but i dont know why they are harassing me and they also told me they cant remove my name from the account because the landlord never assumed responsibility for the account when i left in XX/XX/XXXX. This is not true because the accounts numbers from when i lived there to this ridiculous charges are XXXX different account numbers. This is a fraud against consumer. A manipulation to make someone else pay for bills of another. 

i emailed the land lady to call washington gas more than once and she never returned my emails. 

In the nutshellmy duration at the serviced house was 2 months XX/XX/XXXX- XX/XX/XXXXi paid them XX/XX/XXXXsent them all the documentation of moveout and payment XX/XX/XXXX after harrasement phone calls. 

they sent collection agency to me XX/XX/XXXX with new establishedXXXX XXXX account number with my name listed on it. My previous account number was different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: My debit card was hacked and the perpetrators racked up over {$500.00} on my account. I immediately called and reported the unauthorized transactions to the card issuer the same day and was told I needed to wait until the transactions posted. I called the next day when they posted and was told I would qualify for a provisional credit if I sent a written statement disputing the charges. I sent the statement via email that day which was a Saturday and also advised I would be filing a police report with local law enforcement. When I called to file the police report, I was told by the XXXX XXXX XXXX XXXX XXXX that I needed an affidavit from the card issuer to prove I disputed the charges. I called the card issuer back and requested the affidavit and the customer service representative said he would send it to my email. After waiting over 2 hours for the email, I called customer service again and they said they have to finish their investigation before sending any documents or crediting the provisional refund and their investigation can take at least 10 business days. They are obstructing justice and hindering my right to prosecute the criminals that stole my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX XXXX, 2016 I sent my third and final request to Experian for a Security Freeze, along with the letter I send a copy of my drivers license, social security card, police report and proof of address ; per the certified mailing receipt Experian received my request on XXXX XXXX, 2016. To date I have yet to receive a confirmation letter form Experian stating they have placed the Security Freeze on my credit file along with my PIN number.

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 03-07-2016 about Mortgage (VA mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Dear CFPB ... .My complaint is with Cardinal Financial Lending , XXXX XXXX XXXX or Sebonic Financial ... XXXX XXXX ... after applying to this lender for refinancing a mortgage I decided to cancel the loan. The loan was not paid off and did not close. When looking at my bank statement, XXXX I found they charged my account an " Expedited Payoff Service Fee '' without my permission on XXXX/XXXX/16 and XXXX/XXXX/16 ... {$30.00} each time ... they could have gotten this info for free but because they " Expedited '' it I was charged {$30.00}. This was done without my permission and I am requesting a refund of these charges ... thank you for your help ... XXXX XXXX, XXXX, CA. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On Tuesday XX/XX/XXXX I received the first phone message from Trans World Systems Inc., ( these are calls to my home number, that I do not answer, allowing calls to go to voicemail. ). The message was from XXXX XXXX at XXXX. I returned the call, XXXX XXXX was not available, they asked for my phone number and was told that I do not have an account with them. They must have dialed the wrong number. After receiving a call on XX/XX/XXXX I spoke with XXXX XXXX XXXX explaining that this is not my debt, please do not call again. I was told that my number would be removed. On Wednesday XX/XX/XXXX. I was called twice at XXXX XXXX and XXXX. I returned the call, explained previous conversations, and was told they were calling for a XXXX XXXX. I again said that there was no XXXX XXXX living here and to please remove my number. This same conversation was repeated again on Thursday XX/XX/XXXX.at XXXX XXXX, Saturday XX/XX/XXXX. at XXXX XXXX., Sunday XX/XX/XXXX. at XXXX XXXX., Monday XX/XX/XXXX.at XXXX XXXX. On Monday XX/XX/XXXX at XXXX XXXX.I again asked to have my number removed from their calling list. I was then given the names of two other people on their call list. I repeated to please remove my number and also asked for an alternate number to call if I received more calls.I then called XXXX at XXXX XXXX. and was assured that my number would be removed and I would not receive any more calls after 24 hours. Tuesday XX/XX/XXXX I received a message to call them giving me a ID code number of XXXX.Again calling on Wednesday XX/XX/XXXX. at XXXX XXXX. and this morning at about XXXX XXXX, I just deleted the message without bothering to return the call. At XXXX XXXX.I received another message .Every time that I call them and ask to speak to XXXX XXXX XXXX which is who I am supposed to talk to, they say he is unavailable. I explain that perhaps XXXX XXXX is not getting the message that he needs to stop calling me. I am not returning their calls, it is pointless to keep going through the same song and dance on a daily, sometimes several times daily with them. This is total harassment considering that we have had this same conversation so many times and have repeatedly requested they remove my number and stop calling me. Trans World Systems Inc. 
XXXX. XXXX XXXX XXXX DE XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have had a credit card with Capital One since 2001.
Payments have always been made on time and in full for past 16 years. 
Applied for another credit card on line to take advantage of a promotional offer. 
Application was denied even though my credit score is in the high XXXX 's. 
Also credit rating is XXXX. 
Ask bank for re-evaluate application about three weeks ago. 
Have not received a response regarding re-application. 
Called bank, refused to account for their denial.

Company response to consumer: Closed with explanation