milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I wrote and mailed a debt Validation certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. They responded with a contract that was not signed by me. As you can see they forged my signature and copy and pasted on the form attached. The address they have listed for me I never lived at that address and was with XXXX in XXXX. So this is not proper proof saying this debt is mine. I reached out to the company twice on XXXX and XXXX to remove this from my credit reports and was denied both times. My next step it to star litigation against XXXX 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 12-07-2015 about Credit card () with CITIBANK, N.A. (KS).
Issue: Billing disputes

Complaint: My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I requested an escrow waiver agreement from my mortgage provider and learned there would be a {$510.00} fee attached if I no longer wanted them to collect the monthly escrow fee. When I questioned XXXX XXXX at Aimloan ( XXXX ) I was told this is standard procedure. Is this truly the case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Called to try and settle debt and the agent that was speaking to put a coworker on the phone to pretend to be the operations manager and started yelling and getting rude and demanding that I pay today or else so I ask to speak with his boss and he refused and told me that only person I was going to speak with was him and because of how I 'm going about things to be prepared to pay more money and begin to laugh and then he hung up in my face.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: Experian has continually reported a false chapter XXXX bankruptcy on my credit report that ALL their agents have acknowledge the bankruptcy being reported is under a DIFFERENT name! Experian will not remove the listing even though it's under someone else name due to they keep saying " their '' source verified the information? Experian will not provide me with the name of the source to dispute this directly with them. Under Federal law, any INACCURATE OR INCOMPLETE information must be deleted. How can a company verify information under a different than mine? Easy answer, they are not verifying anything! Over 30 days ago I submitted a written request for Experian to provide me with physical evidence of this chapter XXXX bankruptcy, as XX/XX/2018 they have not. Approximately on or about XX/XX/2018 I called Experian with the Federal Bankruptcy court on the line, Experian reps realize that a officer from the courts was on the line and stated they could not discuss that issue further and stated they would need to end the call if the court ( who they claim is reporting this ) did not disconnect. Experian is a fraud, the CFPB is supposed to protect Americans from these types of companies. They are ruining my life and has caused my great financial harm! I have been fighting with this company for over a year! CFPB, what are you going to do! Experian is breaking every Federal credit reporting law on the books! I am prepared to use every legal recourse available to me to fight this!

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 04/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is : XXXX XXXX # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX. XXXX, CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. In a typed response please list all Corp Advance fees, including property inspection fees. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, 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 03/25/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: COLLECTIONS my ss # XXXX i disputed thi before 30 days XXXX XXXX  Last reported : XX/XX/XXXX- {$430.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$430.00} Highest Balance {$430.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX  See an error?

DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete.

CHECK DISPUTE STATUS Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 07/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: To whom it may concern, I do think their loan statement is misleading the change of interest rate. Their statement is saying new interest rate is effective on XX/XX/XXXX every year. However, new interest rate has been applied on XX/XX/XXXXevery year. For the XX/XX/XXXX payment, {$580.00} was applied to interest ( {$240000.00} * 3.25 % / 12 ). If New interest is effective from XX/XX/XXXX, new interest rate shall be applied from XXXX payment. So the interest payment for XX/XX/XXXX pymt ( which was interest accrued during XX/XX/XXXX ) should be {$530.00} ( {$240000.00} * 3 % / 12 ). They may charge correctly based on Note I agreed. But the monthly statement is misleading the new interest effective date. I have asked them to correct but they refused. Plz review if the statement is accurate or not. I contacted Wells Fargo in XX/XX/XXXX thru their online bank. Thanks

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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (OH).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Okay, I have a credit card through XXXX XXXX. Had it over a year and all was fine until now. We are doing work to the house and I use this credit card. I pay it off as soon as the charges appear on my statement. I went to use it and it was declined. I checked my account online and it showed my entire credit line was available. I called to find out why it was declined. They told me the payments were still being processed. My bank statement shows they were paid, the credit card statement shows they received the money. I have called 5 times and talked to 9 different people. I have written four letters. I got a letter back stating all my credit is available and there is no restriction on the account. The phone calls the representatives told me, yes they have the money, yes it is posted to my account but the system is still processing the payments. None of them can explain how the payments are posted to my account but still in process. So now I have money taken from the bank account that is not available to me and a credit card that I can not use through no fault of my own and they are telling me it takes about 21 days to process the payments. If they post to my account to acknowledge they received it how can it still be processing?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax 's incompetence led to my social security number being exposed via a security breach and they now ask for money from me to put a security freeze, literally profiting from putting me at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: A Wells Fargo savings account was opened without my authorization on XX/XX/2009. My personal information, address and social security information was used to open a bogus and fraudulent account ( " Goal '' savings account ) in my name with my personal information. Evidencing this is the letter dated XX/XX/2009 calling for my signature. 
How can an account be opened without my signing for it? Where did the initial funds to open this account come from? I kept the letter because I thought at the time if I ever needed proof in the future that I did not authorize the account or the funds that were transferred to it, the letter would be proof enough. 
In sum, a fraudulent account was opened using my personal information without my authorization and with unauthorized funds. If I were to commit an egregious act such as this, I would be put behind bars.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting XXXX it 's not mines I ca n't utilize that service in my area, Experian and XXXX are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX now XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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 disputed a collections account from XXXX XXXX with Transunion on XX/XX/2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

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 02/14/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Someone stole and used my personal information to apply for a payday loan. I never applied for a payday loan. I keep receiving harassing and threatening phone calls from National Credit Adjusters representatives in regards to a debt that do not belong to me and is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with FBC MORTGAGE, LLC (ME).
Issue: Application, originator, mortgage broker

Complaint: I talked to a loan officer in Florida where I am trying to relocate to. He advised me that the only way to buy a house there before moving was to buy it as a second home. He knew from the beginning that the intent was for it to be a primary home. He advised us to give all the money we had saved to a XXXX party to " gift '' to us, as no funds would have to come from our account. Every thing was going as he said it should until 2 weeks before closing. Underwriting told him that 5 % of the funds had to come from our account, But we had already gave all the money to the XXXX party as he told us to. We told him we could put the money in there but it would be cash, Then he advised that I sell a vehicle or other valuable item so the money we need could be sourced. He admitted that it was his mistake and when it seemed he could not fix the problem he found another item underwriting had an issue with to try and blame his mistake on. Lost all the money we had invested for appraisal, inspectors ect. We even had yard sale and sold half our belongings on the assumption we could close on the house and move in a few months. My wife who is pregnant is seeing a doctor for all the stress that was created from the situation of losing the home and loan. As I was filling out this form tried to get copies of good faith estimate and other documents the website wont allow me to veiw them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by XXXX XXXX. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My score on Equifax is totally wrong!! It says I have late payments. I always pay my bills on time. Can you please help me get this corrected???? 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with Resurgent Capital Services L.P. (IL).
Issue: Customer service / Customer relations

Complaint: The company XXXX XXXX XXXX has been harassing me for two years now demanding payment from me even thought I have paid off this account as agreed and have file bankruptcy a few years ago on this account they keep trying to collect from me. Now they have contacted another collection company to called LVNV to try and collect monies from me and have violated my rights under the Fair Credit Reporting act-they have put this inaccurate information on my credit report which has caused my score to drop XXXX points which has made it difficult to by a XXXX unit building. The current company that has been harassing me is XXXX XXXX bank in XXXX XXXX NV. I have also looked online for information regarding LVNV most consumers state that the company is a scam. I have contacted LVNV and they are not pleasant to talk to and they have not done their due diligence regarding if this was a valid debt. They just sent negative information on my credit report which has affected my life tremendously, XXXX XXXX XXXX has been harassing me also for the last two years I paid the credit card off and on my credit report from Equifax in the year XXXX/XXXX/2014 states that XXXX has been paid as agreed and they close the account and now trying to get more monies out of me. I called they customer service number and they state their is nothing they can do about it.

Company response to consumer: Closed with explanation