milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Bankruptcy

Complaint: Okay I put my son on my credit card years ago as an authorized user only. I recently had to file bankruptcy and we both ( myself and my son ) where shocked to see it show up on his credit report. He has file a dispute concerning it and I contact the credit card company. The credit card company told me there was nothing they could do about it and that it would remain on there for 7 to 10 years. I feel like this is very wrong. He was added only as an user and the credit card company agrees with that. I told them they never tried to contact him or bill him and they actually closed his card before I filled but the 3 late payments and termination of his card effected his score. Is that not a law to protect him from this? If not anyone could be put on someone card and get hurt by them being late with a payment. It sure was n't disclosed to me that the acts of me would hurt him. Would you please let me know if there is anything I can do about this. Also please info any other parents that may add there children to there cards that it can later show up on their credit report. All my payments I made over since 2008 did not help his credit score though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reviewed my most recent Transunion. I observed several inquiries that are being displayed that I do n't recall giving the authorization or consent. I have made Transunion aware of this situation is XXXX 2016 and they continue to not conduct a proper investigation. Furthermore, I have informed Transunion that if the inquiries are found to be legitimate to please mail me the documents so that I can determine its validity. Transunion actions are having a negative impact on my credit worthiness and credit score by its failure to comply with the FCRA.

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 02/26/2018 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: Old information reappears or never goes away

Complaint: I filed Bankruptcy onXX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX. It also listing XXXX XXXXXXXX as a closed account when in fact it was paid off by XXXX XXXX inXX/XX/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 07/17/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: Citizens Bank sent me a letter stating they were closing my account. No reason was given, so I went into my branch to ask why. Again, no reason was given and the manager advised me to call the XXXX number on the letter. When I spoke with this department again, no one would give me a reason for closing my account, they just simply said it was " according to metrics and that I made my deposits and withdrawals on the same day '' ( is n't this the point of a bank ) I feel like this was unwarranted and someone in a back office who does n't know me is trying to make judgments about an account based on daily transactions ... .no phone call was made to me to try and inquire about these transactions and no effort was made to remedy the situation by the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: DIVERSIFIED CONSULTANTS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX they are trying to collect money from that I already paid with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I do have a letter that the gave me and did fax it to DIVERSIFIED CONSULTANTS. I would like this removed from my credit report. if you have any questions feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Clarity Services (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I ordered a copy of my Clarity report. I do not know who this company is but I 'm denied for loans etc due to their reporting. I ordered my file from Clarity and i have noticed many items that are being reported incorrectly on my file. 

I 'm being reported as having XXXX accounts ( XXXX & XXXX ) I do not know who these companies are and have never had accounts with them. I have never signed any agreements with these companies dated in XX/XX/XXXX and XX/XX/XXXX. Its XXXX other accounts reported that have no names next to them. How can a company report an account with no name? These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court in which they stated that they were not interested in home loans and should be between the lender and borrower. The court would become involved if mortgage increased. The modification was approved, but after making my first modified payment the modification was withdrawn due to no court approval. The attorney in my case verified the courts position.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to prove to me that the XXXX account for $ {$3900.00} belongs to me since it was verified through Transunion that this was my account. I did n't receive a response so I sent another letter to Transunion disputing the account on XX/XX/XXXX with proof showing that this account did not belong to me. They still sent back a letter saying verified. I sent a final attempt letter with proof again on XX/XX/XXXX to resolve this issue to Transunion and once again they sent back that the account was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: THEIR ARE XXXX FRAUD CREDIT CARD COMPANIES. IN XXXX 2014 THEY STOLE ID REQUESTING XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. THEY WANTED IT MAILED TO THEIR OFFICE CAPITAL ONE BANK NA XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX THEY STILL HAVE ON ALL THREE CREDIT REPORTS. 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT : XXXX XXXX THEY IN XXXX AND XXXX XXXX ARE KNOW AS SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, XXXX XXXX, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans. 
XXXX XXXX XXXX, is committing violations to the FCRA. They also are involved in or party to what is considered, " double jeopardy '' where this account has previously been with multiple other collection agencies that were removed from my credit files only to be purchased by XXXX XXXX XXXX and falsely reported the same account with the same " Original Creditor-XXXX ''. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this account was previously with other collection agencies and removed from my credit files, only to learn that now the same account is being falsely reported to XXXX and XXXX   credit reporting agencies. I am still trying to understand how XXXX XXXX   was able to just report on the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies, of the same account previously removed.I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not  XXXX . So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Hello, I currently have a savings account open with Wells Fargo and reached out to them a few days ago regarding a credit transaction to my account ( direct deposit ) that occurred on XXXX. I do not recognize this transaction, I am unaware and unsure of where this money is coming from but it is NOT mine and need to close off this account effective immediately, however Wells Fargo said they would leave the account open until they finished an investigation as to where this money is coming from. 

This is the transaction : XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX, XXXX {$97.00} I have checked my account once more today to see if the funds have been debited once more and they are not only still there, but also I have received yet ANOTHER credit to my account from the same source, listed below : XXXX/XXXX/16 XXXX XXXX XXXX {$130.00} I have tried reaching out to Wells Fargo, numerous times today unsuccesfully. Their customer service support line keeps dropping me despite their service saying it is 24 hours a day 7 days a week. 

These deposits are NOT mine. I need to close off this savings account. I DO NOT RECOGNIZE THIS MONEY. I want it pulled out of my account and I need help with closing off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I would like Diversified Consultants, Inc. to stop all collection activity and close the file for account number XXXX. My intentions is for Diversified Consultants, Inc. to withdraw from any further collection activity on a bad debt that is n't mine to start with. I am demanding that they cease and desist from any future collection activities and not sell this debt to any other debt collection companies. I further demand that Diversified Consultants, Inc. is to NEVER insert this incorrect bad debt onto my credit records ( XXXX, XXXX, and XXXX ). Furthermore, this debt is to never be transferred or resold to any other debt collection companies for any further collection efforts and to stop all collection activity and close the file with account number XXXX. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started XXXX/XXXX/2015. XXXX/XXXX/2015 the buyer was countered to $ XXXX. XXXX/XXXX/2015 we faxed an offer matching their counter offer. XXXX/XXXX/2015 We were told that the negotiator made a decision to decline the file last week. 

1. We spoke to Wells Fargo last week and no one bothered to tell us that the short sale was cancelled. 
2. Wells Fargo could not give a reason as to why the file was cancelled. 
3. The purchase price and fees on the HUD match the fees the negotiator told us would be approved. 

Why is Wells Fargo countering buyers, then cancelling when they get an offer that meets their countered price? 

It is obvious the negotiator is lazy or cancels files purpose to cover the fact she is too lazy to do her job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received demand letter from law firm stating I owe them XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX I responded to an ad on XXXX to rent a one bedroom apartment and got a respond back about the apartment from a person named XXXX XXXX and confirmed he and his wife were the owners of the apartment but needed to move to a bigger place and was rentin this apartment out. 

He indicated the rent was a {$1000.00} with a security deposit of {$500.00}. He called and I spoke to him and he assured me everything was OK. I made a deposit ( into his wifes Wellsfargo account which he gave me the account details of ) of {$500.00} on the XXXX of XXXX XXXX with the anticipation of paying the remaining balance on the XXXX of XXXX and move in on that same day. I made the deposit on the XXXX and called XXXX and he informed on the call that the apartment was being cleaned, after about an hour and no call back from him I called him and he wasnt picking up my calls and eventually my calls were blocked. I realized I had been scammed. I then went to the XXXX XXXX police department to make a complain and also called XXXX Fraud line where I was informed to stop into a branch to make an official complain. I went into the Wellsfargo balance on XXXX XXXX XXXX # XXXX where I spoke to a representative named XXXX to see how I could recover my account and was told there is nothing they can do and the fraudulent account had been flagged. All I want is to recover my {$1500.00} from the fraudulent account that Wellsfargo opened.I have information of so many other accounts that Wellsfargo opened for these scammers. I have all the details of all the transactions, account information, police report and lease that XXXX sent to 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 non-monetary relief
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over. 
The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right. 
I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NJ).
Issue: Trouble during payment process

Complaint: Almost month and half ago I got an Annual Account Disclosure Statement from Statebridge Company. Me and my husband noticed an error in calculating of a shortage of my escrow account.   Statebridge wrote d own   XXXX   XXXX    you - {$2800.00} twice i n  XX/XX/XXXX  and  XX/XX/XXXX  in  st ead once only. This error has been corrected a few days ago, but we have gotten bigger problem now.   Statebridge wants us to pay a cushion of {$2000.00}. We spoke already with Statebridge representatives and sent numerous emails to  Escrow  Department, but they did n't want to remove it.   The cushion is big difference for us, it is {$170.00} more than our monthly payment. We can not afford it, because we have to pay a shortage of {$460.00} and Anticipated Payments to escrow of {$1300.00}. In addition,  in  XX/XX/XXXX  our princip  al payment will be raised to 4.75 %, so our monthly payment will go up to {$3200.00} - {$500.0 0} more than we pay now. We would never apply for such loan or be accepted by a mortgage company.   Under RESPA Statue a lender is not required to maintain a cushion. We have never paid a cushion in the past. This is a modification loan, issued by  XXXX  and transferred to  Statebridge for servicing only. Also, we called Statebridge to pay off  our current escrow balance - {$460.00}, but the representatives did not want to accept it.   We would like to make payments on time like before, and in our opinion the cushion is not necessary. Our property tax fo r  XX/XX/XXXX / XX/XX/XXXX  will be low er than previo us one. Enclo sed a letter from    XXXX   XXXX   XXXX  ,  signed by the mayor of  XXXX , that our city tax rate will be much lower than current  one. It goes down to 3.29, so 2.6 % lower than current 3.38 one. Also  you can see our tax assessment fo r  XX/XX/XXXX . Acc ording to our calculation, if  Statebridge  does not set up a cushion, we should get a credit for next period.   We would like to be good customers, pay our monthly payments on time, this is good for a mortgage company too.   We think there is no reason to set up a cushion for us. It seems that Statebridge Company wants to collect extra money from us.   But we hope, we can solve this problem together.   Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm in a 30 year fixed rate loan with Nationstar mortgage. For the last few years the payments have been relatively similar. Suddenly my statement indicates that my monthly payment will be going up by almost {$400.00} per month. I called them to see if I could get some explanation and was told that my escrow was short due to an increase in my property taxes or insurance. I asked them to tell me what had gone up and was told I would be transferred to the escrow department. I waited on hold for 45 minutes to an hour and just got the same recorded message over and over ; " they are experiencing a high volume of calls at this time, please continue to hold ''. I believe I was deliberately blown off so that I would hang up in frustration as it appears there are many people who have had a similar experience with Nationstar. I just want to talk to somebody in the escrow department to find out the reason for the sudden increase in my monthly payment, and to talk about other options for my home owners insurance ( if it turns out that this is the reason, as I suspect it is ), but I do not feel that they are being honest with me. I find it ironic that while I was on " hold " with the escrow department and never able to talk to anyone, Nationstar was still able to leave an automated message on my cell phone to let me know that they " urgently need to talk to me about my account ''. I would really appreciate any help I can get to deal with these clowns.

Company response to consumer: Closed with explanation