milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (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/XXXXAs 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 on XX/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 non-monetary relief
Consumer complaint received 12-03-2016 about Debt collection (Auto) with U.S. BANCORP (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: US Bank keeps sending letters for a lease vehicle we no longer own. It was turned into dealer one day before end of lease and have threatened to turn into a credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: TD Bank has a {$3.00} fee for using an ATM that is not owned by TD bank. They also charge a {$3.00} fee for balance inquiries on non-TD ATMs. 

On XX/XX/XXXX, I used a non-TD ATM, understanding that I would pay a {$3.00} fee. However, TD Bank charged me both a {$3.00} fee for a withdrawal and a {$3.00} fee for a balance inquiry despite the fact that this was a single transaction. 

I sent a message through their online banking website and received an answer indicating that they had not read my complaint. On XX/XX/XXXX I called the customer service line and gave up after a 20 minute hold time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated robocalls from various numbers asking for XXXX XXXX. I 've spoken with live operators to notify that the person they 're calling is not at this number and have asked my number to be removed several times, but I still receive these calls. They claim they are debt collectors calling on behalf of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MI).
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: XXXX XXXX or XXXX XXXX will not change the status of an account showing to be paid off instead of written off they took the money from my check and for some reason XXXX XXXX, XXXX, and XXXX   will not fix this other then saying they investigated and left it on my report as a negative status, i have the court papers and garnishment papers from my place of employement showing that they received this money also my pay stubs. these credit reporting companies do not care to listen to the consumer it is all about the companies lying to them saying that the status is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank opened an account through XXXX XXXX without my permission or knowledge. This was a reoccuring charge in the amount of {$24.00} monthly since 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 04-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The credit card balance was dispute from my credit report, for more than 7years. Now collectors want to dispute this account. The among is incorrect, the balance was XXXX now their saying is over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX I Contacted a rep on Bank of American regarding a hold on XXXX bank accounts I have with Bank of America. I and my attorney, XXXX XXXX of XXXX XXXX XXXX requested a copy of the Levy, but the Legal Department Representative would not give us a name, phone number of any documentation verifying the validity of this Levy. I told the company Rep that the Personal Bank Account they levied is a bank account that deposited XXXX Income for myself, and the Levy was listed against my XXXX business. The bank Rep refused to let me speak to the Legal Department. I spoke the Rep and stated that this was XXXX XXXX protected form a LEVY. Bank of America is also charging my overdraft fees on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: On Thursday, XXXX XXXX at approximately XXXX a XXXX XXXX XXXX received a second phone call from Navient XXXX XXXX. The first inquiry the person asked was if he knew a XXXX XXXX but did not identify themselves. After XXXX XXXX requested who it was the identified themselves as Navient. At this time, XXXX XXXX asked how they found his number and they eluded they used a software to find his number and noticed they may be related to XXXX XXXX. 

This is the second time they have contacted ( third party ) XXXX XXXX XXXX for a debt in regards to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 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: Account status incorrect

Complaint: On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XX/XX/XXXX. 

XXXX responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXXand XXXX has not responded. 

Equifax responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Application, originator, mortgage broker

Complaint: when I first applied for mortgage at webster Bank in Ct, I had my old house in the market XX/XX/XXXX and prety much a closing date set up. but webster bank broker told me that the only program that I could qualify was XXXX arm flexible rate but after one year in that mortgage I could apply for refinance to get out off. because I had another house on my name even if I had a closing sale date and I was making only XXXX +- a year but my income was good with a XXXX % down payment I would get the house I was applying for. after one year I did apply for refinance and was denied and told to wait another year did again and denied, every attempt I have made with webster bank either for refinance or mortgage modification fail until my house went in to foreclosure and I was forced to file a bankruptcy and after there accept a modification from the bank at their own terms so I could staay in the house even with a high interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: TD Bank is blocking my access through XXXX account. I called TD Bank customer service to rectify the issue but was advised to call XXXX. As per my conversation with XXXX TD Bank is the one that is blocking my account access. TD Bank customer service rep was n't helpful at all and was rushing to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was laid off XX/XX/XXXX. My mortgage at the time was through XXXX and I was on an excelerated payment schedule, I also made a monthly payment towards the premium. In XXXX XXXX, my mortgage was sold to Chase Bank, I was unable to make payment online AFTER scheduling autopay which was never deducted from my account, I fell behind by 2 month in XX/XX/XXXX and XX/XX/XXXX- I made a double payment in XX/XX/XXXX and scheduled an additional double payment for XX/XX/XXXX My XX/XX/XXXX payment came out of my account but the XXXX XXXX payment did not. XX/XX/XXXX, I requested a mortgage modification, I made the trial payments, sent in the paperwork ( I was not nor did this modification LOWER my payments- I just wanted my mortgage to be back on track ). In XXXX XXXX I received notice that my house was in foreclosure. I was told there was an issue with the signature date being different from the notary. I had to reapply for the modification, I started a NEW trial period. Made all my payments- received the paperwork to be notarized at the same time I received another foreclosure notice due to my trial payment 'failing '. I had completed all payments. XXXX XXXX I complete ANOTHER modification agreement and begin my trial period of payments. The 3rd month in- they refund my check stating I paid 'too early ' ( 9 days early ). I resent the payment - which is now 5 days late due to not being aware that although they took the money from my account- they were not applying it to my payment. I receive another final paperwork to be notarized, I send in all the paperwork. On XXXX XXXX, I receive a letter from Chase stating there was a signature missing and I have to AGAIN fill out the paperwork, have notarized, and mail back. On XXXX XXXX, it came to my attention that Chase had AGAIN filed foreclosure on my home. This is a SCAM. I have sent in what they have asked- there is no reason that after THREE times of this and their vague excuses of what is going on is infuriating! I owed XXXX on my home when Chase bought out my mortgage- now, due to 'fees ', etc- I owe XXXX. They have no interest in helping and I was told by the law firm representing Chase that I should 'file for bankruptcy '. The only debot I have is MY MORTGAGE- my credit card balances have never exceeded XXXX and I pay them off once a year- all of my other bills are current. This is insane and unfair to homeowners without a team of lawyers as Chase has. This is MY HOME- I did not have a problem the first 3 years with my other lender. I have jumped through hoops to do what they asked of me and I have nowhere else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with FMA Alliance, Ltd. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wife is XXXX XXXX in XXXX they have been paid min on accounts told not to call and letters sent. Still call our home XXXX her cellXXXX now my business phone XXXX these XXXX are rude abusive XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Frost-Arnett Company (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My daughter had a bill with XXXX XXXX in XXXX tn. She was an adult at the time of service but they put me as a guarantor but i signed nothing. They also disclosed info to me about my daughter and turned the bill over to collections to frost arnett company in which i never received the first bill from the XXXX. I advised them this better not go on my credit because she is XXXX and adult.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended school at XXXX College, SC, in XX/XX/XXXX-XX/XX/XXXX. I received a XXXX scholarship in the amount of {$7500.00}, and the remaining balance of the tuition was paid for by the good graces of my parents. They paid around {$7500.00} of their own money to cover the remaining tuition. 9 years later, in XX/XX/XXXX, I received a notice from debt collector, XXXX XXXX, explaining that I needed to begin paying my loan off or I would be sent to collections. They made threats, saying my credit score would be effected, and that they would start garnishing my wages. They harassed me so often that year, that I began paying them in XX/XX/XXXX or XX/XX/XXXX. $ XXXX.month, for a " rehabilitation '' period of 9 months. Well, i paid them until XX/XX/XXXX, when I felt suddenly something was very wrong with this " loan ''. Sure enough, when i requested a promissory note, they never sent me one. Multiple times. Nothing. I also never received any formal documentation in the mail, not once. I then stopped making payments after XX/XX/XXXX. Then, suddenly, in XX/XX/XXXX, I began receiving calls from XXXX ( XXXX XXXX XXXX ). They too were making threats of wage garnishments and credit hits. I asked them what loan they were even talking about, and they said that I took out a loan from Wells Fargo. I then told them that no, I did not ever take a loan out for school at XXXX College, that i was on baseball scholarship, and my parents paid for the rest of the tuition with their own money. They told me that they dont know anything other than " well, it may have been a small loan, maybe for books or something, and that 's maybe why I do n't remember it ''. Not knowing if any of this was true, I refused to pay them and asked them to put me on the Do Not Call List. The calls persisted, and I asked them again several times from XX/XX/XXXX- XX/XX/XXXX to put me on the do not call list. The gentlemen on the other end of the line had a nasty attitude. He spoke down to me, as if I was a bad person for not paying my loans. Finally, beginning in this month, XX/XX/XXXX, I no longer received any calls. However, my credit has been ruined, I 've paid them $ 400+, and I still do n't have a promissory note ( because it does n't exist ). 
It is my belief that Wells Fargo forged this account without my, or my parents knowledge. I never have set foot in a Wells Fargo in my life, nor has myself or my parents ever banked with Wells Fargo. I am seeking advice/ legal/ financial restitution for this fraudulent act against myself. I believe this is the tip of the iceberg, as I am currently investigating yet another loan, this one through 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 non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have repeatedly asked Equifax to delete this false information from my credit report, reported by XXXX XXXX. They have investigated however the information provided by XXXX is repeatedly inaccurate and is not consistent. They have a delinquency date of XXXX for {$1.00} past due. This account was previously deleted from my account and in XXXX XXXX it appeared on my report as a collection account. I have written and requested XXXX to provide proper documentation showing all payments received as I have disputed the accuracy of their data to Equifax. XXXX has not provided me information or properly reported that information the credit agency. How can a company report past due debt and not report the date of last payment received? The alleged debt has monthly payments of XXXX $ and they reported the amount past due is {$1.00}. This amount would be more if my date of first delinquency was in XXXX. This information is wildly inaccurate. The information is obviously false and has been reported multiple times by XXXX despite several attempts to rectify the situation via Equifax and XXXX. Please has XXXX and Equifx remove this false information from my credit report immediately as it violates the FCRA of reporting inaccurate information. Equifax has failed to properly review the information from their investigation. The information is obviously false down to the dates, reported dates of past due amounts, amounts due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Back in 2015 ( XXXX XXXX ) we had contacted XXXX and citimortage to tell them we needed to do a loan modification. We were denied twice. We tried our best to make payments the best we could. After that we had put the condo on the market to try and sell it. We received a offer for a short sale one back declined or one accepted. We then got a second offer and it was still declined. We filed for a deed in lieu and of course that 's was denied. We have tried to be honest good people and ca n't seem to get rid of this property we can not afford. More fees are being adddd on to thibgs this issue has been dragging on for awhile. We need help these lenders are not willing to work with us. I have had sch appointments with my account manager at XXXX and then after taking the time to behome for them the account manager is to busy. The citi mortgage account manager she never replies to my emails. What are we to do?

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