milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Debt collection (Mortgage) with E*TRADE BANK (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from E*TRADE and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the E8Trad loan. I never received the Capitol Gain, but did pay taxes on it. XXXX XXXX XXXX XXXX has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you

Company response to consumer: Closed
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT. THEN THEY LIED AND SAID THE ACCOUNT WAS NOT ON MY REPORT. CLEARLY IT 'S STILL THERE AS MY DOCUMENTATION SHOWS. LIARS.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: In 2016 I contacted XXXX XXXX listed as XXXX XXXX to assist me in opening a small business.We had a number of issues and I was charged for services I did n't receive. I left XXXX XXXX and they have apparently hired XXXX XXXX XXXX a collection company to collect funding from me. They have also added this account to a collections acct on my Equifax credit report. I can not dispute this because no one will give no the account number which shows up as XXXX. So I can not dispute this without a number no one can give me and they are trashing my credit after they have done bad business with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Defendant-Nationwide Biweekly Administration, INC. 

comlplaintant- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX a lawsuit was filed against defendant by you. i have been using their service for several years and my account was suspended on XXXX/XXXX/2015 without my knowledge. i would appreciate any information available to you and if I am included in this suit. I would also like to know what my rights and responsibilities are.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Auto) with Byrider Franchising, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I had an auto loan that I signed XX/XX/XXXX with CNAC. XXXX XXXX my income decreased by XXXX my car payment is {$390.00} for a XXXX Kia Rondo with a total balance of {$13.00} left ( Way over priced ) I have been late the past few payments and have explained myself multiple times to multiple people from this company but they are not willing to refinance. I tried to get another car through another lender and they called to get the pay off balance from CNAC and decided the amount is too much. I received a call from CNAC asking me if I ca n't pay for this car how will I pay for another one. I have asked them multiple times to stop calling me and to just come pick up the car but they continue to call multiple times a day asking the same exact questions and at first I would explain it over and over again but if I say one word different than the previous call they interogate me. For example " It shows right here that you make 3 times the amount of the car payment so why ca n't you pay for it again? I do n't understand because it shows here the last rep you spoke with you told them '' ... .etc.but continue to call multiple times a day asking the same questions from the beginning. It 's becoming harassing and I am now being told okay we will come get the car but the contract I signed I 'm still gon na pay them the full amount regardless so I might as well keep it. They call up to 10/times a day and if myself or my wife do n't pick up the phone they will call all of our references and disclose to them that we have n't paid our car note and are n't answering our phones. I am a XXXX veteran on a fixed monthly income who suffers from XXXX and this has really caused me have my XXXX with terrible XXXX. I am a victim of predatory lending and harassment and would like this nightmare to end. They say the program is here to help but the fact is I came to this loan because my credit was n't great and I really needed a vehicle. But the loan is predatory and the car is n't in good condition I had to drive XXXX miles multiple times to take it to get " fixed '' by the service center right after I got it. And if the program was here to help they would be willing to refinance and not try to force me to pay for something I ca n't afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed my account with them XX/XX/XXXX. I contacted their customer service department to figure out why my account was closed. They confirmed that because I had reported my card lost, they had to open a new account. I was angry and told them I did not wish to open a new account. I was left without a bank account for a while. Was unable to deposit/cash my work checks and I was unable to pay my bills. This caused me so much stress and decided to start with a new financial institution. 
XX/XX/XXXX, I found out Wells Fargo had gotten into serious trouble for opening accounts without people 's consent. I inquired on it and they sent me a form ( see attached ). I filled out the form and demanded {$800.00} for damages and time lost. XX/XX/XXXX I was contacted by their mediator by the name of XXXX XXXX. She said they were able to settle for {$400.00}. I accepted on XX/XX/XXXX, and was told I would receive my check within 20 business days. XXXX also said that the new account had a check deposited from my credit union account and later the money was withdrawn. She sent me a copy of the check and as I expected, it was manufactured. On XX/XX/XXXX I contacted XXXX once more, asking her about the check. She said I would receive it within the following two weeks. Two weeks have gone by and I have not received anything. I called her on XX/XX/XXXX and she did not call me back until XXXX/XXXX/XXXX saying the check was sent on Monday XX/XX/XXXX. I contacted Wells Fargo mediation department to confirm the information XXXX had given me and I was told the check has yet to be processed. The rep told me she would submit a request to have someone call me back with the correct information. I received a voicemail today, ( XX/XX/XXXX ). No one knew who contacted me so I was then transferred to a rep who said they could help me track the check. This person was unable to help me and was transferred back to their customer service department where I was told my request would be escalated to someone who would have the right information for me. This was the same person I spoke with on Monday ( from Mediation dept ). I am sick and tired of wasting valuable time from my day to deal with Wells Fargo. They have messed up with my finances XX/XX/XXXX closing my account without a valid reason authorized by me and opened a new account without my consent. I am extremely upset and demand {$1000.00} for the time wasted going back and forth with them XXXX and now.

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 11-06-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Macy 's American Express account was compromised resulting in approximately XXXX of fraudulent charges being made on the account. Even though these charges were flagged by fraud protection, they allowed multiple charges to be made to my account. Following my immediate response to fraud protection identifying the fraudulent charges, I was assured that I would be sent a fraud claim for processing and to not pay on the fraudulent charges. I never received the fraud claim. Upon following up on the claim form, I was provided XXXX different scenarios by XXXX different Macy 's American Express fraud department personnel about what action to take regarding the balances and how they would be reported to the credit bureaus. I am on call number XXXX and on hold again waiting for a supervisor to give me what I hope will be correct information. I simply need to know if I have to pay interest and fees on the fraudulent charges to avoid being reported negatively to credit reporting bureaus until the issue is cleared up. XXXX different people gave me XXXX different answers. None seemed to independently be able to explain what happens in terms of credit reporting on my account in regards to this issue. That is just unacceptable. They recommend that I do not pay the fraudulent charges but can not explain the credit reporting scenario associated with me not paying those balances. It is unconscionable to me that Macy 's American Express would allow flagged charges to proceed and then - not mail me the fraud report timely - or explain what transpires with the associated credit reporting scenario. I have excellent credit and find their level of incompetence unacceptable for an agency that can report damaging financial information to my credit report after they allowed obviously fraudulent charges to be made to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Debt collection (I do not know) with Allied Interstate LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe no money. This company ( Allied ) XXXX is trying collect on a debt by looking for information about an individual not known to me. They will not stop calling. I have blocked their number, but they call daily over the past month of XX/XX/XXXX and nowXX/XX/XXXX. They call and receive no answer, but they continue to call. They called also inthe past several months ago. When you call them to complain, they do not seem to know what you are talking about. It is harassment for a debt that is not mine. This is not acceptable.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX has reported on my credit report for XX/XX/XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address XXXX XXXX fl XXXX City XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) & Account Number ( Blank ) I ( blank ) on this XX/XX/XXXX Day of XX/XX/XXXX do hereby request a complete copy of my payment history from XX/XX/XXXX to XX/XX/XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. ) Please Mail this information ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Company is trying to collect on Capital One Credit Card XXXX that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a XXXX credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt to Wells Fargo is a checking account and credit card which is well past the 7 year period a person has to contact them. The company, as of recently, trying to collect the Wells Fargo debt for pennies on the dollar is : From address : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Return address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I had already sat in a Wells Fargo branch, with a customer service specialist, and spoke over the phone with another customer service specialist regarding this debt collection stretching past the 7 year period which I have proof of from a 2006 credit card statement. 

According to " XXXX XXXX XXXX , XXXX '' they will take 50 % of the money owed and it will be paid off. From other people online who have fallen for similar debt collection agency tactics it does n't work. XXXX pulled that on people and they are now in a class action lawsuit. These are not fair debt collecting practices, especially regarding the recent climate of the jobs market 4 to 5 years ago.

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 02/13/2016 about Credit reporting () with CORELOGIC INC (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for an apartment and was turneddown because renters report said unlawful detainer ( landlord tenant court search ) I have never been evicted and have never been taken to court by landlord. There are XXXX names on my crefitreport that are not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: In the month of XXXX, I was unable to make the full payment to my charge account with Goodyear/Citi. I called Goodyear credit which is Citi and attempted to make some type of payment arrangement. This was today, in the late afternoon. The first time I called, Citi disconnected the call when I was in mid-sentence. I called back and asked the representative if the hang-up on the prior call was an accident or intentional. I was told by the representative that they were very busy today but there was no trouble on the lines, that she was aware of. She said we would never hang up on you ; we want to talk to you. Then she proceeded to disconnect the call. I attempted to contact Citi a XXXX time and I had the same results. I gave up since I did not want to become further frustrated. 
I then called a few other places to make sure that it was not my line that was cutting off the phone calls. I had no trouble with any other call, so the problem was initiated by Citi. I was going to just let this go, but the more I thought about it, I became concerned that this is some type of tactic that is used on people that are late on their payments, which should not be allowed. I have currently have an ongoing complaint with CFPB regarding Home Depot which is also Citi.that XXXX blocked me from accessing my account online because I was late. That was followed by blocking a payment I was attempting to make today online. Both of these incidents were verified by their own representatives. Not having enough for the full payment is difficult enough for the consumer, but having to deal with their tricks on top of the original problem is wrong. I would appreciate your checking into this matter. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: I am trying to deposit to my BoA checking account ( BoA branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that BoA enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Sallie Mea 's total amounts are inconsistent. Each time I called on XX/XX/2017 I was given a different amount that I owe. I called and spoke to agent XXXX and was told I had a past due amount of {$290.00} with a total amount of due of {$580.00}. I had to hang up to get missing information to complete my transaction because I was doing a forbearance and was given an amount by agent XXXX. Who then told me I owe a total amount of {$290.00} and owe {$580.00}. 

I checked my online statement and the amount that was past due on my online balance was {$290.00} with a total past due of {$580.00}. 

After I refreshed my computer the total amount was then change to {$590.00} and the past due remain to {$290.00}. 

I called back and spoke with XXXX agent XXXX and told him what happened and he said that the amount I was originally given was not reflecting late charges of {$15.00} which gives me a total of {$590.00}. While he said this the amount on my online statement reflected {$590.00}. I told him I needed to speak to someone who could fix the amounts so that they reflected the amounts they were giving me he gave me the number ( XXXX ) XXXX. I thought and he said they could fix it. This number redirected me to agent XXXX who then said that my late fees were {$14.00} and on his end he saw a total past due amount of {$580.00} with out the late fee of {$14.00}. This would make more sense due to the reflected amount, but at this point Sallie Mea should be audited. It seems like every time someone calls the amounts keep changing. I would like a full audit of this loan bank and your agency should keep eyes on them for inconsistency in fees and loan amounts that other customers may be having. Also, all conversations were recorded on there end and I have screen captures to prove their inconsistency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Almost impossible to reach anyone on phone. HAVE NEVER RECEIVED MONTHLY STATEMENTS BY MAIL. No one seems to be able to get our zip code right. Have not received our tax form. Somehow threatening letters, however, get here. Can not ascertain payments due to sloppy customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card was used to make a purchase at Macy 's store number # XXXX. The initial attempt of $ XXXX was declined. The XXXX attempt of {$80.00} was approved. My bank alerted me of this and canceled my card. My fiance 's debit card was also compromised and she 's handling this with her bank. The only location we used our cards in the same place was in the XXXX XXXX in XXXX, GA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief