milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (OH).
Issue: Taking out the loan or lease

Complaint: A loan was taken out in my name from a company called Avant in   XXXX   XXXX  . I have previously sent them my police report an d two n otarized identity theft affidavits. I sent the first notarized FTC Identity Theft Report and copy of my police report via certified mail on  X/X/XXXX . They then sent an email on   XXXX   XXXX   XXXX  , stating in bold lettering that " An FTC Identify Theft Report '' is not acceptable ) and requesting I fill out and have notarized a new form which I sent back to them on   XXXX   XXXX       I have since received an email from their fraud department ( on   XXXX   XXXX   XXXX   ) stating their investigation was closed and the account would be removed from my credit reports.     I am currently being sued by a debt buyer,  XXXX   XXXX  in relation to this account. I 've requested via email th at Avant  notify  XXXX   XXXX  and  XXXX  's attorney,  XXXX   XXXX , of the findings of their investigation. They did not agree to notify  XXXX   XXXX  or  XXXX   XXXX , and instead directed me to handle the issue with them on my own. I informed Avant I had already sent my police report and affidavits to  XXXX   XXXX  and  XXXX   XXXX  and have not heard back from either company, and the lawsuit has not been dropped.     I have requested  a manager or supervisor from Avant 's Fraud Department contact me by phone on multiple occasions, both in writing and over the phone. The phone reps at Avant insist it is impossible to speak to anyone in the Fraud  department because " they only do business over email ''. I also contacted the company I believe is their owner, or funder of their accounts, called  XXXX   XXXX , informed them of the situation and request a call from a manager or supervisor.   XXXX   XXXX   informed me they have no way to intervene on Avant accounts but the  XXXX   XXXX  rep stated she was sending an email to Avant 's fraud department requesting a manger call me asap. That was several weeks ago and no one from Avant or   XXXX   XXXX   has contacted me.     I have also requested a letter of clearance stating the results of Avant 's investigation and that the account would be removed from my credit reports. Although they have replied via email since then, this request was never addressed in their response.     Since I have provided all the requested documents to  Avant  and they have determined the account was opened as a result of identity theft I believe they should have the responsibility of notifying the debt buyer they sold the account to of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VT).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank was selling at auction a repossessed house located at XXXX XXXX XXXX, XXXX, VT. I was the winning bidder on XXXX XXXX through XXXX. I was given a settlement date of XXXX XXXX, 2016, signed the required contract, and submitted the required earnest deposit. Each stage of the operation was handled by a different contact. Starting 5 days before settlement, I contacted my contact and asked what was needed to settle -- I received silence at first and then was told Wells Fargo had not downloaded the title and they could not settle. I asked where that left us and they said they would settle as soon as everything was in place. As soon as I asked if this was a breach of contract, I no longer received replies to my emails or phone calls. Then on XXXX XXXX, I received an email from a new outfit -- XXXX, telling me they were ready to settle but I needed an attorney. I hired an attorney, she contacted them and has received NO response and is frustrated herself -- at XXXX per hour! They are well over a month from closing date and -- nothing!

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am having trouble with getting this account off of my credit. I believe there was a mistake with an account that I had previously with XXXX XXXX. I purchased a comforter for about XXXX. At the time I was going to buy a computer desk, and book case. I cancelled everything but the comforter. I paid off the comforter already. There is this balance for XXXX, which should not be on my credit. I have written XXXX XXXX several times to obtain any paperwork to validate and show the errors, however there has not been any forthcoming information. I want them to remove it right away, because it is interfering with my credit score and rating. 

Enclosed is the last letter that I sent to XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jacob Law Group, PLLC (MS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Today i contacted Jacob Law Group in regards to a debt they stated that i owe. I spoke with a rep name XXXX. XXXX was extremely rude, told me that i need to stop being like " other XXXX people in america '' and take care my responsibility. She cursed, called me all type of racial names, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Transaction issue

Complaint: We attempted to use our credit card at a hotel. The card was denied and we left the hotel without checking in. The charge was later applied to our account. We asked the hotel to reverse the charge ; they refused to talk to us. We asked USAA to reverse the charge ; they have now denied it twice after we followed all of their procedures. USAA provided an invoice from the hotel with no signature or card holder address ( because we did not check in to the hotel ). USAA cited that we did not reply to a request to offer a rebuttal to the hotel manager 's false statement about our stay at the hotel and applied the fraudulent charge to our account. However, we did provide a written electronic explanation ( two times ) as well as a signed statement mail to them in a business reply envelope they provided. Neither USAA or the vendor provided a signed invoice or receipt for this charge and despite the many written and signed statements we provided saying that we did not authorize a charge from the hotel ( because we did not stay there ) USAA charged us for this fraudulent transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (I do not know) with SIMM Associates, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they are calling my employer and my extention at work on a daily basis. i spoke with XXXX XXXX and told her to stop calling my employer

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a letter to Experian disputing an account that is currently listed on my credit report. The account I disputed is for XXXX XXXX. I received an alert through my email that the investigation was complete. According to their site in which I am uploading proof my investigation started on XX/XX/XXXX. Experian sent me the results of their so called investigation on XX/XX/XXXX.  There is no way an investigation was completed in this short amount of time. I have writtten several letters prior to this and I get the same results. This is causing me so much trouble with my credit due to their unfair credit practices.

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 01/18/2018 about Debt collection (Other debt) with M. G. Credit, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''. 
Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX  Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX. 
Also there 's no social security number identifying that this debt even belong to me. 
Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Mortgage (Conventional fixed mortgage) with GOLDMAN SACHS BANK USA (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We have a couple additional questions for Goldman Sachs to answer truthfully as long as Goldman Sachs answered all of the previous questions truthfully and under penalty of perjury. 
1st, Is Goldman Sachs a member of XXXX? 
2nd, Does Goldman Sachs have their own investor number? 
3rd, Does Goldman Sachs use other investor numbers for assets they purchase, such as our home that Goldman Sachs purchased from XXXX in XX/XX/2006? 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (KY).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have an XXXX card issued through Comenity Bank. I told them ( XX/XX/XXXX ) to close my account, which had a XXXX balance and is never used - and I received a confirmation email from them that it had been closed. A few months later ( XX/XX/XXXX ), I received a promotional email encouraging me to use my card. When I logged into my online account, it still shows the card is open with {$2000.00} available credit. I emailed customer service and told them again to close my account. They sent me a letter stating my account had been closed as I requested in XX/XX/XXXX. A month later after getting another promotional email, I told them to close my account. They responded that to resolved the issue I had to call them. On XX/XX/XXXX, I received another promotional email encouraging me to use my card. I logged in again and my account is still active. I emailed customer service again today ( XX/XX/XXXX ) that I wanted my account closed immediately. I should not have to call and argue with an account rep who is going to use a strong-armed sales pitch to get me to keep the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: It has become more apparent that Capital-one could not provide a cogent reason why i got the short end of the stick '' interns of XXXX on my credit card, This conclusion perhaps based on their response, and the conversation with " XXXX XXXX '' an incompetent CAPONE rep. who said in our earlier conversation that, the reason for APR hike is on my account primarily based on my credit worthiness, but after refuting this claim by pointing out to her that my credit scored " A '', that this information on my credit is available on CREDIT TRACKER '' which is being offered by CAPONE.. she then say their decision is proprietary.. 
This proves to me that the Company is a complete FRAUD, The reasoning behind this decission seems absurd, and its an insult in every level.. I think as a consumer, i have every reason to know why decisions that affects my credit card and my finances were being taken.. it appears the reason behind will always be a mystery ... this just another way of swindling and using deception to defraud consumers.. I 'm looking forward to an amicable and favorable resolution, and i wo n't hesitate to expose this company " CAPITAL-ONE on a social media '' to every consumers feeling the pinch in silence.. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Savings account) with BB&T CORPORATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XXXX I collected a security deposit from a tenant and opened a new account at BB & T as required by Florida Statute 83.49 and deposited the {$500.00} collected from the tenant. The account was an interest bearing account and I reported this to the tenant and advised that should the deposit be returned to him, it would be returned with interest. My tenant continues to occupy the property so the deposit has not been withdrawn. I received a statement from BB & T charging an inactive fee on XXXX/XXXX/XXXX in the amount of {$7.00}. Also the statement shows a prior balance of {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Email : 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 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i can not verfiy my identy on the question so i need to get that fixed

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 11/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Regarding account XXXX, reported by XXXX XXXX as the listed creditor to TransUnion LLC XXXX 
I spoke with the reporting creditor employee # XXXX XXXX/XXXX/2015 XXXX, and specialist # XXXX XXXX/XXXX/2015 XXXX in recorded and saved phone calls requesting them to verify and send copies of the information they 're reporting to the CRA. XXXX XXXX XXXX representatives stated they have no records of this account and could not supply any information on what was being reported because it was created by a different lender that no longer services. XXXX XXXX has stated they are not the original creditor but is reporting as such. Account is missing in all variations on annual reports pulled XXXX and prior but is reporting an open date XX/XX/XXXX. The alleged debt buyer identified by XXXX XXXX has made no claims to the account, nor has it sent any records of validation to justify the reported balance. TransUnion verified all account information with the reporting creditor despite admitted missing records, and has not complied with dispute requests to remove or XXXX ( a ) ( XXXX ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. ().
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: My complaint is recording my XXXX XXXX XXXX XXXX account. 

For the past four years I have lived overseas because of my husband 's job. For three of these four years, I have been able to go onto the XXXX 's website to see my account statement and pay my bill. However, this past year XXXX 's updated their website and required users put their account/credit card information into the site as if for the first time. This was a problem because I do n't have a current XXXX 's card - XXXX 's never sent it. The only card I had was expired, which would n't work on the site. I called customer service several times about this and was told that XXXX 's will not send either a credit card or a paper statement to an overseas address. In an attempt to compromise, I asked if I could give them my son 's address in Virginia. He could get the bill and send it to me by email. He never got anything. 

On XXXX XXXX XXXX, I wrote letters to both XXXX 's billing and their credit departments for a solution. XXXX 's reply ( XXXX XXXX XXXX XXXX came in the form of an email saying to go the Document Center online to see a very important letter that could affect my account. Please note that this is in response to a letter saying that I have no access to my account online. 

I contacted a customer service representative on XXXX XXXX XXXX site on XXXX XXXX, again to try and get a result. The response I got today ( XXXX XXXX ) by email categorically stated that XXXX 's will not send a paper statement to an overseas address and suggested that I call the customer service center if I had any further questions. I do not want to do this for two reasons : 1 ) this is not just a long-distance call for me, but a trans-Atlantic call and 2 ) the service center has proved unhelpful in the past. The email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did contain this month 's statement. When I looked at the address on the bill, it was indeed my son 's address ; however, XXXX XXXX failed to put c/o [ my son 's name ] in the address line. The address simply had our names and our son 's address. I 'm assuming that the post office has returned said mail as not living at this address. That said, I do n't think it 's fair to put the burden on my son for me to get my bill. 

Over the past 6 months or so, I have been paying my bill blindly through my bank hoping that I was at least paying the minimum amount. As we were in the process of moving from XXXX to XXXX, I did n't really have the time to deal with it, which is why it has taken me this long to file a complaint. I do n't want to be issued credit, I just want a bill so I know what I am paying. 

Please note, the account is in my husband 's name but I am an authorised user.

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