milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me PHOENIX FINANCIAL SERV XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Personal Statement : MY WALLET WAS STOLEN BACK XX/XX/2010, I HAVE ALREADY TRIED CALLING ALL 3 CREDIT BUREAUS SEVERAL TIMES, SENT IN POLICE REPORT, AND RECEIVED NO HELP. I CONTACTED THE POLICE AT THE TIME IT HAPPENED AND WAS TOLD THERE WAS NOTHING THEY COULD DO SINCE I DO NOT HAVE THE NAME OF THE PERSONS RESPONSIBLE. I HAVE CONTACTED THE COMPANIES PERSONALLY FOR ALL THE INQUIRIES ON MY CREDIT REPORT ANS ALSO NO HELP. I HAVE DONE MANY THINGS TO TRY AND CORRECT THE MISINFORMATION ON MY CREDIT REPORT, AND ALL THE INQUIRIES ON MY REPORT. THIS IS VERY STRESSFUL AND HAS CAUSED A STRAIN ON MY FUTURE FINANCING ALL BEACAUSE SOMEONE STOLE MY IDENTIY. IT'S HENDERING ME FROM PURCHASING A HOME AND I HAD TO GET MY MOM TO HELP ME FINANCE A CAR. PLEASE HELP ME CLEAR THIS MATTER UP IF YOU CAN THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recently pulled my credit report and there were several fruadulent account on my report that dont belong to me and nor did I authorize. 
1. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Also the following are fraudulent names, addresses and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX Ct, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, MD XXXX XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 04-09-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Wakefield and Associates began contacting around mid year of XX/XX/XXXX in regards to a medical debt originally from XXXX XXXX Hospital. I informed the company at the time that the debt had been paid directly through XXXX XXXX Hospital. I informed Wakefield and Associates that the amount that they had was also the incorrect amount. I then contacted XXXX XXXX who stated that the debt should take care of itself since I did pay it directly through XXXX XXXX. Since then Wakefield and Assoc. have been increasing the debt by {$1.00} every so often. I have contacted them again and asked for them to remove the debt as it has been paid. I have a receipt that requested from XXXX XXXX as proof that the payment was made on XX/XX/XXXX. XXXX XXXX billing even stated that this company should not be collecting on this debt.

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 03-08-2017 about Debt collection (Auto) with Westlake Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mom got a vehicle under my name why I was away in college without my knowledge from some shady automobile seller. It was a XXXX XXXX with a loan amounting to almost XXXX. Fast forward the vehicle was stolen and was insured under the auto loan facility and was damaged by the convict. There were no notice of the insurance being cancelled because they kept increasing payments to my moms awareness. The vehicle is now in there custody and they keep requesting payments from me and the vehicle was not mine and I just found out it was under my name and is bringing down my score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Trouble during payment process

Complaint: On   XX/XX/XXXX   I filed a complaint  XXXX  about  Wells Fargo.  I sold my home on  XX/XX/XXXX  and was not provided with any breakdown regarding the payoff.     On   XXXX   XXXX   XXXX    Wells Fargo provid ed me with a breakdown for the mortgage payments starting in   XX/XX/XXXX  . The is a column called "  Unpaid Advance Balance  ''. In   XX/XX/XXXX   the amount started at  XXXX , at time of sale the amount was {$700.00}. They are deducting this amount from my payoff, however, they have given no explanation what this amount was for or why they would add this amount to my mortgage?     I called  XXXX   XXXX  at Wells Fargo to get an explanation to the charge, but they did not return my call. I called on Friday,   XX/XX/XXXX   at  XXXX   XXXX .     Thank you,  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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Due to a change in employment and a move, I had to short sell my house. Bank of America was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high XXXX. 

I contacted Bank of America and was told that because my account was closed, they couldn't fix any errors on my credit report.

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 11-03-2017 about Debt collection (Other debt) with NORTHLAND GROUP INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Northland group sent me a letter attempting to collect a debt. I sent a debt validation letter that they received on XX/XX/XXXX,2017 asking them to validate the debt. Legal debt validation is a complete payment history, an agreement that bares my signature, letter of sale or assignment from original creditor to their company, a signed agreement that bares my signature with authority to collect on this debt, information relating to the purchase of this debt is not proprietary or burdensome. Under FDCPA section 809 ( b ) Northland Group is not allowed to pursue collection activity until debt is validated. Courts ruled that reporting a collection account indeed is considered activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with Home Servicing LLC (GA).
Issue: Credit decision / Underwriting

Complaint: We have been approved for a Loan and three weeks later still do not have it ( see below ). We did supply all of the requested documents. 
Please help! 
XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to me Hi XXXX and XXXX Your loan is approved! We have the following conditions in order to clear the file for closing. Do you think you might be able to provide by close of business tomorrow? 
Letter from XXXX stating your intent to retire XXXX/XXXX/16 Can you access the gmbenefits site and get an update printout on pension benefits? Underwriter is looking for something more recent than XXXX Copy of account statement reflecting earnest money has cleared your account/copy of the cancelled earnest money check would be sufficient Letter from estate attorney explaining the deposit of XXXX from the sale of property Name and number for insurance agent Signed attached form XXXX XXXX XXXX XXXX Mortgage Loan Officer HomeServices XXXX LLC XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX Office ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX | Fax ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX If this email was sent to you as an unsecured message, it is not intended for confidential or sensitive information. If you can not respond to this e-mail securely, please do not include your social security number, account number, or any other personal or financial information in the content of the email. This may be a promotional email. To discontinue receiving promotional emails from HomeServices XXXX LLC, click here : XXXXXXXXXXXX HomeServices Lending, LLC does not offer loans in all states. 
Licensed by the Department XXXX under the XXXX Mortgage Lending Act. XXXX XXXX Mortgage License Number : XXXX. Regulated by the XXXX XXXX XXXX XXXX XXXX. Licensed by the XXXX XXXX Bank XXXX to engage in business XXXX, License # XXXX, Expiration XXXX/XXXX/16. XXXX XXXX Mortgage Licensee XXXX. XXXX XXXX Mortgage Company, License Number : XXXX. XXXX Mortgage Loan Act Certificate of Registration : XXXX XXXX ; XXXX Mortgage Broker Act Certificate of Registration : XXXX XXXX. XXXX Mortgage Lending License XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 2016 HomeServices Lending, LLC. All XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: My XXXX account was closed XX/XX/XXXX ( see attachments ) and XXXX had no authority to charge anything to my credit card. In fact they memorialized the fact that it was closed in the email attached. 
Regardless US Bank allowed them to make XXXX charges without my consent and refused to investigate my request to charge them back XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They never should of allowed these items to be charged to my account and want the monies refunded.

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 04/28/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Medical bill from XXXX years ago was just posted to my credit report this month. I have no way to dispute this account because my personal records and bank records only go back XXXX months. How can someone wait XXXX years to report an unpaid bill and only be required to provide my name, SSN, and address, effectively putting the burden on me to prove I did pay or that the account is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax have copy of police report and so does they company i am disputing. I 've requested equifax to send me copy of contract, proof of validation and they failed to do so several times been back and forth with equifax sine last year i 've sent the letter to the several times every time i dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Unable to log in as 2FA code was lost. Filed initial ticket on XXXX XXXX 2017. Case ID # XXXX. 

Issue still not resolved. Keep on receiving the same automated responses and instructions, despite me continually telling them that they do n't apply in my case. 

4 days sometimes goes by with no communication. Unable to access my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (AL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: XXXX XXXX sent me an offer via mail for the XXXX XXXX XXXX XXXX XXXX an 8.99 % fixed APR on transfers made within the first XXXX billing cycles. The cards are issued by First Bankcard. I was provided a " XXXX XXXX '' & the option to apply online at the following web address : yourbankcard.com. 
I applied online & never received any information stating that I was approved, much less the credit limit I was approved for. I was never sent an email confirmation or anything similar. 
Not too long after that, I received credit cards in the mail in my & my husband 's names w/ instructions on how to active them. On XXXX XXXX, I called the phone number listed on the card to get more details & it was then that I discovered the card 's limit & that the card was already assigned to me - as in tied into my credit. I talked to a rep & informed him that until my call, I was unaware of the credit limit assigned. Had I known, I would have declined the card. I needed to transfer more than twice the amount XXXX XXXX  assigned as the limit. He & I went back & forth on the difference between " applying for '' an offer & " accepting '' an offer. I find it hard to believe that someone 's application process serves as an agreement to terms that are n't provided. I do n't believe it 's moral to provide partial information to lure someone to apply for something & use the application as a binding agreement to unstated terms. 
The XXXX rep I talked to on XXXX XXXX said the terms were provided during the application process, yet when I asked for a copy of the terms he was referencing, he nor his supervisor were able to supply them. Furthermore, I was told that " if the terms were n't provided during the application process, they would have been sent with the credit cards. '' However, that 's my point : I do n't want to discover the terms after I 'm already committed to it. I want to know the terms ahead of time so I can decide if the offer fits my needs. I want this card removed from my credit history all together, not just closed. 
In addition, my smartphone will not clear data from the website " yourbankcard.com. '' I 've even conducted a hard reset, yet that website retains the same amount of data. I applied for the card on my laptop, & my phone is n't synced to the laptop. Any insight on removing this data would be appreciated as well.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the daughter of XXXX XXXX XXXX, an XXXX XXXX XXXX senior that has XXXX and who is unable to XXXX and care for herself. She does not drive and has to be transported by XXXX at all times. 

I currently have an Order for Guardianship of my Mother, who I have been denied access to her health and medical records and visitation as of XX/XX/XXXX. In the court of XXXX. Case #, XXXX XXXX XXXX, Probate court. I have been going to court every month, driving from XXXX, Illinois to go to court because as daughters, we should access to our mother. My sister, XXXX XXXX who has been living with my mother, since I moved away, in XX/XX/XXXX.to XXXX. I never left my mother, but my sister, due to my Mother 's inability to understand manipulated my Mother and constantly fought against me to have a relationship with my Mother. My Mother was denied access to outside of her home, she was held a prisoner in her home and has had multiple XXXX. As of XX/XX/XXXX, XX/XX/XXXX, my Mother became severely ill due to neglect of my sister and then my sister denied access to me on behalf of my mother. 
I had an illegal order of Protection placed on me by my sister, because I wanted to have the Right to Visit with Mom, as her health began to decline. It has declined drastically over the last 6 months. I had to have police there twice today, XX/XX/XXXX, but because the Order, failed to Allow Visitation, because my Sister, XXXX is failling ot open the door, So that My Mother can be Served by the Court. My mother has no Knowledge of whats going on, even though my oldest sister ( XXXX and I ) tried to tell her before, she got into this bad situation.Health, mental declining. 
My sister had a Salesman to come to the house to sign an AutoContract for this XXXX, by my mother, XXXX XXXX XXXX XXXX who has no Knowledge of what she is doing. This is Fraud and abuse of an Elderly Person, My Mother. 
Please help, I want to see my Mother and I want access to her, before, she leaves this Earth. My Mother does not deserve this, and she thought my sister, XXXX was coming to help her, not Harm Her and other Family Members, Her daughters. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: I am selling my property and my title company requested a payoff balance which was received. However, the payoff balance did not include all of the information that was requested. Due to a home modification in 2014, the title company needed to see the loan balance and the amount modified to ensure payoff included both. I have called Nationstar on several occassions to request such documentation and no one has been able to help. I close in XXXX hours and have yet to be able to get the information the title company needs.

Company response to consumer: Closed
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with Viking Client Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX calls and sends debt collection letters for something that was removed from my credit history due to dispute. It is not my debt that they are harassing me about.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company is trying to collect from a dead man which is my father and his estate in which he has no money if he is dead!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I basically was offered this XXXXXXXXwhich was XXXXXXXXpoints for signing up with Citibank and spending {$1000.00} in 3 months or less after me opening an account. I have repeatedly contact both XXXX XXXX and Citibank for 2 months now and they keep blaming XXXX another. Nobody seems to care to honor their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My bankruptcy was discharged on XX/XX/XXXX and One Main Financial was included in the debts that were discharged.  They sent an email on XX/XX/XXXX about the debt but the email was for informational purposes only ( per their statement ). I called them on XX/XX/XXXX and told them to stop sending me emails because the debt was discharged. 
On XX/XX/XXXX I received a letter from One Main Financial dated XX/XX/XXXX about my accounting activity and having a Principal Balance as of XX/XX/XXXX of {$4400.00}.

Company response to consumer: Closed with explanation