milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: REF : Case No : SERVICE OF COURT DOCUMENT - CASE NUMBER XXXX foreclosure auction is being conducted illegally as the plaintiff, BB & T has violated Federal Law regarding Dual Tracking. 
I was not given ample time to come to an amicable agreement with the plaintiff and their services. I was not given time torefinance or use the HARP program or Short Sell. 

Furthermore, the plaintiff took the case out of the hands of the civil circuit court saying they were unable to judicate thecase and proceeds with the auction. 

I will be persuing several agencies regarding the legal conduct of BB & T and suing for damages unless this auction is cancelled and I am givenample time to pursue my other options. I will sue for damages. 

The judge did not approve the Plaintiffs or my own motions. 

This is a motion for a new trial by a FEDERAL court who can judiciate such a case. 
The plaintiff has been unable to give me a payout amount or provide orignial documents. The plaintiff did NOTProvide a loss mitigation package when XXXX was requested even though they have my request on file and no record ofsending XXXX. 

I am a XXXX mother of XXXX children who has been actively working on this for over a year with NO assistance from the plaintiff, despite my MANY attempts to work with the lender toward a mortgage modification and a hardest hit package. 

Sincerely, XXXX XXXXCASE NUMBER XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (CT).
Issue: Charged fees or interest you didn't expect

Complaint: I bought furniture from XXXX XXXX XXXX.lady working there told me that i can get finance without any interest so i signed up for it.lady did not tell me that i have to pay within a year.i signed agreement without reading condition.i did auto payment for it so i do not have to worry monthly payment.At the end of one year wells Fargo sent me a invoice and they charged me XXXX interest charge .when i contacted they told me that i had to pay withing year otherwise they charge me interest for entire amount which they finance.i asked them if i had to pay within year why they allow me to do automatic minimum payment.they said i signed up for it and i signed agreement.This case is confusing and misleading advertising. date of purchase-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 04/15/2016 about Bank account or service (Other bank product/service) with First Data Corporation (TX).
Issue: Account opening, closing, or management

Complaint: A former employer opened a retirement account in my name for {$100.00} in 2012. I have watched as quarterly fees have steadily reduced it to {$76.00}. I received notice that my former employer was switching retirement companies and that i had the option to cash out the amount. I took the cash out as it was would be unwise to just let it dwindle to nothing with the fees. The rep said numerous times on the call that I recorded that I would receive a check for {$76.00} and never once mentioned any fees. However, once I received the check it was only for {$36.00}. I have the recorded call I can provide you.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My sensitive private information ( including SS number, DOB, name, and address ) was hacked due to Equifax 's insufficient measures taken to protect this information. I now must incur substantial fees and lost time to make sure my identity does not get stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received letter last week from XXXX a law firm which states they do n't have any attorney personally evaluating my account however Midland Credit Management is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have no knowledge of said debt, other than XXXX and XXXX, and I would like it removed as it 's reporting to the CB and negatively affecting me

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 01-04-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to view my credit report by going to www.annualcreditreport.com and once again just like in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ; I still can not view my Equifax and XXXX credit report. This is due to corporate greed ; a manipulative way to divert people from purchasing their credit reports on their site instead.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have encountered several incidents of financial identity theft dating back since XXXX 2014. A credit card was applied for around XXXX 2014 using my personal information. I did not apply for the credit card. I do not know where this card has been used. I was made aware of this credit card by letters regarding non-payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: I had a savings account with Capital One ( ending in # XXXX ) .This account was titled in .my trust. On XXXX XXXX, I saw on their site there was a higher yielding rate. I called and asked if I could get the new rate. The gentleman said yes. He transferred the funds to the new account. 
I never received a written monthly statement subsequent to the conversion. I went online, and to my shock, I see that the newly established account was in my name and NOT TITLED IN MY TRUST AS THE OTHER ACCOUNT WAS. I called in several times and they informed me they do n't open up new trust accounts. I explained that their person NEVER informed me of that and on his own changed the title of the account. 
I have called back on three separate occasions and have not received an answer. They claim that the department I am speaking to does not have the authority to deal with this problem, nor do they have the ability to contact directly the department that has the authority, they merely send an email to the other department. The other department allegedly gets back with me. This changing of my account title, done without my consent, I believe, is illegal and done without my consent. I told Capital One to listen to the recording of the conversation of XXXX XXXX since they inform the customer that they record every conversation. 
This has been a bad experience, and the bank has not made a decision regarding their error.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On Sunday,XX/XX/XXXX, I received a phone call from someone identifying themselves as a representative of Synchrony Bank. The representative stated that my account was past due, and that I needed to make a minimum payment of {$100.00}. I explained to that person that I would not be making a payment, and hung up. <P/>On Monday, XX/XX/XXXX, I reviewed my payments through my personal bank, and saw that I have made {$40.00} ( minimum payments ) onXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and my recent payment was done on XX/XX/XXXX. I also checked my files, and saw that I have not received a bill since XXXX ( shows a due date of XX/XX/XXXX ), which I am set up as a Paper Bill Recipient. The XXXX bill reflected aXX/XX/XXXX due date, thus showing the due dates to be on or about the XXXX of each month. <P/>When I called the bank, they explained that my account was past due, and a {$37.00} late fee had been assessed. They stated that no payment was made for theXX/XX/XXXX due date, nor did they show the two payments I made in XXXX. The payment I made onXX/XX/XXXX did not reflect on their system as of yet. <P/>When I explained that I made a payment on XX/XX/XXXX, they stated that the payment was made before the billing cycle, and did not apply as the XX/XX/XXXX payment. When I asked them why they show that I owed {$100.00} instead of a minimum payment, they just stated that the past due payment, the current payment, and the fee is the amount. <P/>When I asked why they do n't reflect the two payments in XXXX, they would not provide an answer. <P/>My complaint is, this financial institution is failing to record payments on accounts, and they are failing to record payments as that of the minimum monthly payment. Also, they are failing to send out paper bills advising the customer of the due dates. This practice is clearing a fraudulent activity and is done for the purpose of collecting additional money in the guise of late fees.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same  Student  loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.  XXXX  has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   XXXX  . I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   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 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: there refusing to let me speak to the underwriter i asked for an increase since this is my longest account opened they only raised me to XXXX when they gave my wife XXXX who has no credit and i always pay in full on time and i want my limit to be at lease XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX, I sent a letter to Experian stating that they were not reporting a credit card that I 've had for about a decade, which has been used every month and which has been paid in full every month. <P/>Last week I received a letter stating that they have resolved the issue. However, on the form they sent me, the credit card ending in XXXX still does not appear. I assume that this will continue to effect my credit report with them, as it would suggest that I have n't had any credit history in several years.

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 02/17/2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (GA).
Issue: Taking out the loan or lease

Complaint: In XXXX I went to a so called friend who has a dealership cause i was in need of a car. They used a XXXX XXXX XXXX XXXX as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they XXXX.I was mad and upset they lied and was stuck with this car but i paid on it 2 yrs.It was way overpriced!!! XXXX for a XXXX car? I still owed XXXX and i just could do it anymore so I did a volunteer repo. I notified co several times to get car.My landlord had car towed off property.I notified finance co letting them know where car was, the tow company notified them by phone and certified letters and noone came to get car. Now Im being still charged full amount plus interest and late fees. The process was suppose to be they sell car at auction and any money left is what I could be responsible for but that is not what happened. The tow company salvaged the car because finance company never came to get the car. Now I am trying to buy a home and this one thing is stopping me from my dream of home ownership for my family. Please I need help to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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 have XXXX inquiries on my credit report that do not belong to me. I have contacted all the credit bureaus to inform them and to ask them to please remove as I did not authorize or give these people permission to pull my reports. XXXX and XXXX removed the fraudulent information after their investigation. Equifax has refused and is asking me to contact the companies directly myself. I am filing a complaint because after sending them a police report they still refuse to remove. I need the following fraudulent inquires removed from my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XX/XX/17 XXXX : XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17 XXXX XXXX XXXX XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is concerning Complaint XXXX and another XXXX. I disputed this resolution, because they said they could n't verify a debt, and asked for proof of letter. This resulted in a related claim XXXX. However, I got an email stating that the CFPB could not send the complaint because they could n't find the company. I find this hard to believe, since this was just a dispute for the complaint they answered to. 




I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt. 
I sent all information that was asked of me, and they are still saying they did n't get it. Therefore, I am writing it in this message. 


XXXX XXXX XXXX Account # : XXXX Convergent Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through th e Dept of Ed an d that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.

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 06-08-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have repeatedly asked Synchrony bank to no longer contact me directly since the account is being handled by XXXX and all communication should go through them. I am still receiving XXXX calls a day from them and now they are calling my parents house where I have not lived in over 15 years. I do n't even know how they got their number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have recently found a collection from you on my credit report. Under my rights under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt with the creditor and balance listed below : Medical Facility : XXXX XXXX XXXX XXXX Balance : {$37.00} Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the above medical provider to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Payday loan () with Delbert Services (ME).
Issue: Received a loan I didn't apply for

Complaint: Western sky, Delbert, and XXXX, called my sons cell nand threatened to take me to court if I did n't call them back. I immediately called back n spoke with a guy named XXXX XXXX. He was so rude and threatening. They lied about calling my son and I asked him for their license info and address and what XXXX stood for. He was screaming at me and said it stands for nothing. I told him that if he would send a validation letter thru the mail, I would see what it was about. He said one had been sent. He would n't give me a license number just kept saying we are suing you. The address he had was not mine, I explained that and he proceeded to insult and degrade me. I told him that my son was XXXX and to give me the info I requested. He hung up on me so I called back and he kept degrading me n hung up again. I called back and a woman answered and she hung up on me.

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 05-12-2015 about Debt collection (Medical) with Innovis (SD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CBCINNOVIS reported my XXXX year old Father 's unlisted # as mine. This # is never given out for any reason except to close family members. XXXX. I was forced to remove the # and get him a new XXXX! Now we have no way to advise the new # to family members that we ca n't reach. They also have my Daughter 's address listed as mine. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX SD.XXXX. They have been told XXXX in last 8 months to remove the information and have refused. These have never been and are not mine! They are giving this info to hospitals. I have XXXX and have bills that I am not able to pay.

Company response to consumer: Closed with explanation