milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Approximately one year ago we started a short sale of our home with or mortgage holder Wells Fargo Bank. We have had a constant turn over in paperwork all the while meeting out our obligation and turning over all of the requested documents. During this time we have been harassed by Wells Fargo 's so called field agents. These field agents have come to our home at all hours of the day and evening without prior warning and have refused to show identification upon our request, saying that they are not required to so. They have taken pictures of our home on several occasions without our consent and have violated our privacy. They are very unprofessional in their appearance and often come to our home with several other unidentified persons riding in their vehicles. In our attempts to file complaints with the bank the Points of Contact have been unresponsive. The Points of Contact who I believe are designated by Wells Fargo to be our intermediaries, lack the most basic of customer service training skills. We have had numerous XXXX as Wells Fargo refers to them and they are totally " useless '' in this process. Either they are ignorant of what items they are asking for or they do n't ever call the customer back to answer questions and concerns. 

Finally on XXXX XXXX, 2015, we received a " Letter to Participate '' which is a HUD article and approval to proceed with the short sale. Since that time Wells Fargo 's Loan Adjuster 1/FHA Liquidations-XXXX has been a literal " sand bag '' in the what should be the final process of the sale. It appears to most of the professionals that have had anything to do with our transaction and XXXX XXXX that she purposely " sitting '' on our final approval for short sale. She has continuously failed to properly communicate with our Realtor in requesting the proper documentation for closure of our sale, to the point of even threatening us with removal from the HUD approval list without documented reasoning. Unfortunately it appears that through time XXXX XXXX may have come to believe that she is above reproach. We have contacted Wells Fargo supervisory staff on several occasions without any direct result. XXXX XXXX XXXX has been the latest to attempt to intervene for us even though he is not XXXX XXXX 's direct supervisor. We understand that XXXX XXXX is a important person to Wells Fargo. We have been made well aware of her role in representing Wells Fargo Bank, but she works for the bank, she, herself is not the bank. 
We are now on our XXXX, buyer. This buyer has been given excellent treatment by it 's lending institution and has offered " above the Fair Market Value '' for our home. Yet again we just re-sent documents that were requested by XXXX XXXX, items that were sent on several other occasions. The Buyers are anxious and frustrated, as we are ourselves. Please assist us in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with Stellar Recovery, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has placed a collection item on my credit report with the credit bureaus. That collection item showed up suddenly and does not belong to me. The name on the debt is not my name, yet was the debt was still attributed to me and placed on my credit report. This is deeply problematic as it prevents me from getting a home loan. 

On Wednesday, XXXX XXXX, 2018, I contacted XXXX XXXX ( through XXXX XXXX ) and informed them that the collections placed on my credit report with the credit bureaus represent a debt that does not belong to me. I informed them that the name on the account is not my name and I have never gone by that name, in fact, the surname is not my surname. 

XXXX XXXX refuses to remove the item from my credit report. I need the assistance of the CFPB with getting this wrongful collections item removed so that I can move forward and be able to secure a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i am a victim of identity theft and someone open and bill for XXXX in my name. i have sent the police report to this company for proof that the account isnt mine and it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with U.S. BANCORP (NC).
Issue: Credit line increase/decrease

Complaint: Elan Credit Card was issued through a bank I have other accounts with. This bank merged with another bank and the automatic bill payment that I had setup did not process on time. I received a late fee and called Elan to explain to have resolved. The representative told me no problem you have never been late and we will refund. I explained, I can get the amount credited by Bill Pay as I have proof that it was Bill Pays error, not mine. She said not to worry and I left it at that. the next month, the new bank that has the Bill Pay who told me it would be setup did not make the payment again and I have another, higher late fee. Also, received a letter in the mail that my credit line is cut in half. I called Elan to explain that the first time was not my fault and if I had been told that not fighting to have Bill Pay held accountable that it would effect me in this way then I would have done so. I asked what I could do to get this corrected now. They told me I would have to ask for a credit line increase. Really! You just lowered my credit score because you cut my credit line in half and want me to let you run my credit report. No way! They told me there was no other way. I will pay the remainder of the existing balance and cancel this card. No way I should be inconvenienced for what was not my error and they should restore things to where they were before. I also had received a letter in the mail asking me to upgrade my card by XX/XX/2017 or they would inactivate it. Possibly the reason they lowered my credit line is because I did not respond to their offer.

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 08/24/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Calvary Spv I, Llc has filed a lawsuit in the XXXX County Municipal Court in XXXX Ohio onXX/XX/XXXX, Case No. XXXX. This lawsuit cause of action is contract/note in the claim amount of {$3000.00}. Since XX/XX/XXXX I have sent multiple letters in correspondence to the plaintiff in the case requesting for proof of a contractual obligation to pay said company. During this correspondence I was never provided the requested documentation and was never advised of a pending lawsuit prior to receiving the notice that a complaint had been filed. After receiving the notice of complaint I responded onXX/XX/XXXX with a request for production which was sent to the plaintiffs assigned counsel, XXXX XXXX at XXXX XXXX XXXX, XXXX, KY XXXX. A copy of this request was also sent to the XXXX County Municipal Court for filing. To date I have not received any documentation showing a contract/note in place with Calvary Spv I, Llc. I have responded to all letters from the plaintiff within 30 days of receipt of all letters which requires them to provide a response to my verification request. Calvary SPV I, LLC is listed as a creditor on the most recent letter that I have received from the plaintiff. If they are a creditor that means that they would have offered me credit in exchange for some product or service. If this transaction did take place they should have a signed contract or note bearing my signature with terms, conditions, and a itemized listing of what product or service was exchanged for the extension of credit. I have not received any such documentation to date and now I am being sued and this information is also still listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My home was damaged by a hail storm on XXXX/XXXX/2016. My insurer XXXX XXXX sent an adjustor and issued a check for {$34000.00}. The check was payable to my wife and me as joint owners and Roundpoint Mortgage Servicing Company who services the mortgage on the property. Round point required we endorse the check and send it to them along with a long list of documents. Having no choice even though we anticipated trouble, we endorsed the check and sent it to them with many documents. The work is now complete and the contractors have been paid. We have sent Roundpoint a copy of the insurance adjustors report, notarized affidavits from both the roofing and the painting contractors affirming the existence of a contract and waiving their rights to liens on the property, XXXX for both contractors, quotes for the work from both contractors, and paid invoices for both contractors. Nonetheless Roundpoint refuses to release the funds. I am sufficiently upset with them that I will pay off the mortgage when this issue is resolved and have asked them to apply the funds in question to my outstanding balance. They have refused to do that as well. The whole problem smacks of a scam to hold the money interest free for as long as they can. Their requirements are completely unreasonable. Anything you can do to get these funds released will be much appreciated. Round point 's address is XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number is XXXX. Thank you for your assistance.

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 06/18/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX 2014 I cancelled my credit card with barclays bank. I just received a collection notice from XXXX wanting XXXX. I called Barclay bank they say that a bill was paid over a month after the card had been cancelled for XXXX. They never contacted me about the bill. I asked them for the phone # and address they had and it was correct, I asked them why they never contacted me, they did not know. I said i would pay the XXXX, they said they could not deal with me that I have to deal with the collection agency. The collection agency wants XXXX and will not deal. I asked if I pay the XXXX would they take it off my credit report they said no. First I believe barclays had no authority to pay the XXXX and should have had the store contact me. Second Barclays should have at least tried to contact me about the XXXX dollars. Now they have destroyed my credit. I am willing to pay the XXXX but they must remove it from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2015 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX I lost my job, the account became delinquent in XXXX of XXXX. In XXXX of XXXX I contacted Flagstar in an attempt to bring the account current. Flagstar instructed me to contact Loss Mitigation, which I did in XXXX of XXXX. At this time I submitted the requested information to XXXX XXXX XXXX as instructed by Loss Mitigation. Flagstar contacted me and informed me that they were no longer working with Loss Mitigation. I believe that this is the point in which the account became entangled with multiple departments. Loss Mitigation instructed me to continue making payments, which I did. In XXXX of XXXX my payment was rejected and foreclosure proceedings were initiated. I continued to contact Flagstar to try and remedy the account. I was now dealing with Flagstar and XXXX, XXXX, XXXX, XXXX and XXXX, LLP as the foreclosure representative. I retained an attorney and neither my attorney nor I were able to get payoff information from Flagstar or XXXX, XXXX, XXXX, XXXX and XXXX, LLP after repeated requests. I finally got a payoff amount and paid the loan and legal fees in full. 

I believe that at the point that Flagstar ceased working with XXXX XXXX XXXX my account became entangled in Flagstar system and therefore foreclosure proceedings began. Was I able to complete the home retention program then the foreclosure would not have been initiated and it would not be on my credit report. My attorney requested a refund for over payments totaling {$20.00}, XXXX and got no response. I repeatedly requested a refund for the over payments and received a partial refund of {$5400.00} on XXXX XXXX, XXXX. I repeatedly requested an accounting of the account and all I ever received was a letter that stated they applied payments to my account. They refunded the {$5400.00} as a " good faith '' effort. 

I am requesting that due to the circumstances described above and that I was working in good faith with Flagstar as instructed that the negative foreclosure information currently on my credit report for Experian, Equifax and TransUnion be removed. I am also requesting that I am refunded the additional {$14000.00} ( {$20000.00} - {$5400.00} ). I would also like to be awarded damages from the settlement announced in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQUIFAX has been pleasant to deal with for the most part but the keep reporting a dept from XXXX that was from 2005 and I am pretty sure it is passed the statue of limitations and should have been removed by now. 

There is also payment history from XXXX XXXX XXXX and XXXX that need to be removed for the same reasong ; they are too old to still be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (I do not know) with ERC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX just reported a {$120.00} collection account on my credit report. Prior to the appearance of this account on my file, I did not receive a notice of my right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Baxter Bailey & Associates (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: 1 ) XXXX XXXX has used Thug Like Measures - Demanding ( without Surety discussing with me ) Has aggressively asked my Surety Bond Company Cancel my bond for XXXX/XXXX license that had direct impact on XXXX XXXX License XXXX ; which I have had for nearly 4 years. Dated XXXX/XXXX/16 a. We have a written agreement XXXX/XXXX/16 ; XXXX & XXXX & XXXX Baxter Bailey with 4 payments ( two made already ). 

b. Our Surety cancelled both bonds, I was under the impression since we had an agreement with BB that this would not impact the bonds. 

c. Am reapplying for new bonds, IF I AM NOT ELIGIBLE or am denied I can be forced out of business that will impact XXXX-XXXX employees. 

2 ) BAXTER BAILEY XXXX XXXX - Collections Associate and the company have multiple legal and complaints 3 ) XXXX XXXX Baxter Bailey VP Sales has placed a XXXX website posting on XXXX/XXXX/16 ( EMBARASHING and placing information out there that needs to be removed ). 

4 ) XXXX XXXX and XXXX a XXXX business is NOT AWARE OF THE " harassment, online doxing ( shaming ), and the failure to resolve the claim once it was settled '' CAN YOU ASSIST ME XXXX - XXXX XXXX ( USA ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA. XXXX Ph : XXXX Fax : XXXX Cell : XXXX

Company response to consumer: Untimely response
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in constant contact with Transunion to address this problem and they are not cooperating. I have 19 hard inquiries on my account and they do not belong to me. 

I have THREE on my XXXX report, so how can that even be right? I have told them numerous times they do not belong to me, and that I've put a fraud alert on my account and they still refuse to delete them, at this point I feel as if they are allowing fraud to take place on account, and are not concerned about it, which is now affecting my credit.

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 11/27/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Navient Solutions is reporting multiple items on my credit report that I did not receive from them nor did I agree Navient to pay. I contacted both Navient and the XXXX credit bureau which are reporting these fraudulent items and neither will send me the contract with my signature which I requested. I have asked numerous times and received nothing. By law these items must be removed. I will be filing a complaint with the XXXX as well as filing a lawsuit against Navient and XXXX if these items are not removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: Originally submitted a fraud claim to Bank of America ( BofA ), through identitytheft.gov, XXXX XXXX, 2016, in which they settled a portion of the claim and have yet to settle the latter portion.. The second portion was resubmitted XXXX XXXX, 2016. BofA stated it could take up to 90 days to complete their investigation. I have not received any correspondence from them. The second portion is of similar transactions as the first portion and should be an obvious conclusion. Supporting documentation is available as needed.

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 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was to file bankruptcy and pulled credit report. In XXXX 2014, XXXX XXXX and XXXX reporting I owe them. Called to get original bill and also called XXXX XXXX XXXX where original bill is. XXXX states I only owed {$76.00} which I paid. I went into office and they stated my credit report would be cleared. Called Experion XXXX 2014, and I was told XXXX XXXX is reporting correctly stating I still owe them {$110.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by the end of XXXX, but no points have yet been deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On
XX/XX/XXXX 2017, Chase Bank NA sent me three separate letters saying that my three chase consumer credit cards ( all with balances of {$0.00} ) had been closed due to : 1 ) Rapid Increase in revolving balances 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit.
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They have refused to re-instate my cards, and what is more of a problem for me is that on one of my accounts the Chase XXXX XXXX Credit Card ending in XXXX they have refused to pro-rate a refund of the annual fee of {$450.00} which was paid in XX/XX/XXXX of this year, since I have barely gotten 6 months of use out of this card I do not see it as being fair that they refuse to provide me with a pro-rated refund of the annual fee OR to re-open that account so I can enjoy the card benefits for the full 12 months.

Company response to consumer: Closed with explanation