milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Being under state care my emergency room bill was paid at XXXX XXXX XXXX Hospital of XXXX and verified by myself and hospital. I sent in proof multiple times and even once had actually drove to the hospital and had the billing department call. They just ignored all of this never responded to any letters and now added the charge to my credit report and keep adding a dollar increase. This is a second and possible third violation this company is performing. I disputed with the credit bureau but feel they need to stop hurting other people with illegal tactics. This is ongoing since XX/XX/XXXX and hospital bills doctors are all clear I suffered a XXXX XXXX in XX/XX/XXXX so this bill is so wrong. They now are claiming XXXX and keeps going up. Wakefield and Associated which has numerous complaints all attempts to call them ended in them hanging up pretty much saying someone would look into it and obviously never did.

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 05/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing/Cancelling account

Complaint: I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: equifax violates my right XXXX XXXX XXXX inaccurate information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Student loan (Non-federal student loan) with MOHELA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: For nearly 8 years, I worked for Branch Banking and Trust Company, who held the XXXX Mortgage, and a XXXX lien ( Equity Line of Credit ) on my primary residence home. I quit my job with BB & T in XXXX XXXX, and became unable to afford making further payments on the loans. I was divorced from my ex-spouse in XXXX XXXX, and my ex-spouse did not offer any assistance in repaying the loans or settling the outstanding debts. I requested as part of our divorce proceeding that my ex-spouse agree to allow me to market and sell the home ( she moved out in XXXX XXXX ), but she refused to authorize the listing of the home with a Realtor, and she never signed a Separation Agreement. I became delinquent. and then defaulted on the XXXX Mortgage, and the Line of Credit. 
I agreed to deed the house back to BB & T in a Deed in Lieu of Foreclosure transaction, and the deed in lieu was completed in XXXX XXXX. The bank purchased the house for {$430000.00}, and applied the proceeds toward satisfaction of the XXXX Mortgage, which had a balance of {$380000.00}. BB & T sold the home about two months later for {$450000.00}. I believe that BB & T converted the surplus proceeds from the Deed in Lieu to its own use. Nothing I signed contained a waiver of surplus proceeds, and I never agreed to release any claims on the surplus -- I was assured by an Officer of BB & T that the Line of Credit had been charged off due to " lack of equity and accounting standards '' in XXXX XXXX, and the bank officer assured me that the Deed in Lieu of Foreclosure did not need to reference the Line of Credit to insure that the proceeds from the house would satisfy all my accounts at the bank, including the XXXX Mortgage, and the Line of Credit. 
On XXXX XXXX, XXXX, I was served with a lawsuit brought by BB & T on the Line of Credit loan stating that the full amount {$92000.00} was in default and due. But with the credits that should have been applied to my account from the Deed in Lieu of foreclosure, the actual outstanding amount is no more than {$32000.00}, and if the profit from the sale of my home ( an additional {$15000.00}! ) been applied to my account, I would owe no more than {$18000.00}. 
I believe that I was defrauded by BB & T and its officers in the conduct of the Deed in Lieu of Foreclosure transaction, and that I have been damaged by BB & T 's conduct. I do not owe BB & T {$92000.00}, yet they are seeking the full amount from me. I used to work as an attorney for BB & T, and I believe that BB & T is discriminating against me, as compared to similarly situated debtors.

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 05-09-2017 about Debt collection (Other debt) with PNC Bank N.A. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. 
The full text of my complaints are in the attqached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Auto) with Riverwalk Financial Corporation (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Credit decision / Underwriting

Complaint: We applied for a mortgage and were preapproved XX/XX/XXXX. All required documents including 2 years tax returns were submitted at that time. We put our house up for sale and got it under contract and made an offer on a house and got it under contract. The house we want to purchase is XXXX below the amount we were approved for. My Quicken Loans rep called me today to inform me that after looking at my returns more closely they would not be able to move forward with the loan. We are now going to be homeless. We have XXXX+ credit scores and have XXXX % to put down. This is wrong. These companies should not be allowed to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXXY XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Other

Complaint: I applied for a Wells Fargo credit card online around XX/XX/XXXX. I received the card in the mail and activated it. Immediately after activating I attempted to set the account up online. I could n't get it set up so I called customer service and they indicated that the card was deactivated by the fraud department. I called back to talk to someone else because it did n't make sense. And this time the customer service rep told me I would need to go into a Wells Fargo branch to confirm my identity and then it would be reactivated. I went into the Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, the next morning XX/XX/2016 and the branch manager ( XXXX -- not sure of the spelling -- -XXXX lady ) was on the phone for at least 20 minutes and afterwards told me that the card could not be activated and she kept the card. I asked her why it could n't be activated and she said I would need to call customer service. I called customer service and they just said it was a business decision. Yesterday, XX/XX/2016 I received a credit card statement dated XX/XX/2016 in the mail indicating I have a credit line of {$8500.00} with a {$0.00} balance. I called Wells Fargo customer service again and they told me to disregard the statement as it was a mistake and the card was never opened. I decided to check my credit report with XXXX and noticed there were XXXX credit inquiries on my account on XX/XX/2016. I put a fraud alert on my credit. Additionally, since I do n't have the original credit card I can not be sure that the account number on the statement is the same account number as the card since the branch manager took the card from me. I 'm confused as to why there were XXXX credit inquiries on XX/XX/2016. This also lowers my credit score!!

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 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have re-applied for a Barclays Bank, L.L. Bean credit card, twice. I was told, that their records indicate I had a previous credit card with Barclays Bank Delaware that experienced charge off, bankruptcy, severe delinquency or other negative performance. In XXXX, I bought a new home that had a large mortgage. At that time I had several open credit cards, with L.L. Bean, XXXX XXXX and XXXX. These companies cancelled their credit cards with me and upon inquiring, I was told because of my current credit status, it was decided they were cancelling my cards with them. I now have a good credit rating. Because I continue to purchase at L.L. Bean, they are trying to promote their credit card and asking everyone to apply when you make a purchase. The notification I am receiving from them states, a credit bureau report was not used making this determination. I have asked them to look at my credit report, which they did but again I received another letter stating, we are unable to approve you for a L.L. Bean card.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my Transunion XXXX and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX XXXXInquiry XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Name of Company XXXX XXXX XXXXXXXX I -Date AddedXXXX XXXX XXXXXXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry 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 04-11-2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, this mediCal debt was given to me without my ok.this Dr showed up to my room and looked at me. I asked him if he accepted my insurance and he said he 's not sure. And I told him do not examine me if your not sure. He examined me anyway. This happened well over XXXX 6 years ago at the XXXX hospital. I have tried to contact this Dr XXXX and I receive no response. Please respond to this message as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: The company refuses to remove late and the account is 7 years old. I would REQUEST REMOVAL OF THIS ACCOUNT FROM MY REPORT. 

Overview You've paid off 100 % of your student loan amount. 

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 9 mos ) Term 120 months Payment History Youve made 33 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX 2013

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 02/18/2017 about Debt collection (Credit card) with DISCOVER BANK (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am filing this complaint against SYNCB/CARE CREDIT. 

I joined XXXX last year 2015 and saw this company listed on my reports as a charged off account that was sold to another lender. I have never done business with this company and have reached out to them several times by mail in the year 2015 to current with no success, requesting them to validate this debt/account by providing me with prof of contract bearing my signature. 

None of my letters that I mailed to this company were ever returned to me, so this year I decided to mail my letters certified mail with a return receipt to see if someone signs for my letters and they did. 

All though they signed for my letters they never responded back to my dispute and failed to report to the credit bureaus that this account is being disputed by me within the 30 day time frame. 

I feel that I have made every goodwill attempt to reach out to SYNCB/CARE CREDIT to correct their records by removing this negative incorrect listing from my credit reports, so I feel that I have no other choice but to file a complaint with you in the hopes of getting this problem resolved. 

My good name has suffered do this and my last resort will be small claims court, however I 'm hoping that you all can assist me with getting this problem solved once and for all. 


Thanks in advance.

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 08-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX months ago we submitted a complaint against Nationstar ( case number : XXXX ). They claimed we missed a payment that was automatically withdrawn from our bank account. We provided bank statements to prove the mortgage was paid and with your help, they acknowledged it was their error. 

Last month we got another email saying we missed a mortgage payment. When we called them up and told them CFPB had helped resolve this issue they said it would be fixed. 

Now I got another email telling me we have n't made our mortgage payment!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Late fee

Complaint: I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. As soon as I noticed that the payments were not getting applied to my acct I immediately called and paid the past due balance as well as set up the new automatic billing. The late payments are greatly effecting my credit. This was no fault of my own. I never had a late payment with Orchard Bank, and have not had XXXX late payment with Capitol One sense I discovered this issue.

Company response to consumer: Closed with explanation