milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with Bonded Business Services, Ltd. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month XXXX XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX   who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from XXXX XXXX XXXX XXXX XXXX for {$1400.00}, XXXX XXXX   hasn't even validated nor responded to my initial dispute from XX/XX/XXXX2017. As you can see, they won't respond to the XXXX XXXX XXXX of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Account opening, closing, or management

Complaint: I have previously made a complaint to the CFPB about Citibank not honoring their commitment to give me XXXX Thankyou points ( see CFPB complaint XXXX ) They agreed to give me the XXXX points within 30 days. of their letter of XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and they have still not given me the points even after six phone calls and no return phone calls.

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 06-08-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Good afternoon, I need your assistance please, I 've tried in good faith to dispute and request a refund for the faulty workmanship, substandard shoes and not the shoe size I ordered and I 'm unable to wear. I purchased two pair of shoes from XXXX in XXXX 2016, the shoes appear to have been made in a substandard factory still reeking of a horrible smell and the appearance of grease ( pictures attached ). It took approximately one month later for me to receive my order, I began initiating correspondence to them approximately two weeks after processing my order. After receiving the shoes, I attempted to resolve the dispute prior to engaging my bank. XXXX offered to refund only {$15.00} and later {$30.00}, which both were unacceptable for a {$150.00} purchase. I later contacted XXXX and I could not reach a resolution. XXXX determined that I was eligible for a refund ; however, I would need to return the shoes to do so. The cost to return these shoes to XXXX was {$170.00} more that the amount I had paid for the initial purchase - which was not an economically wise and equitable decision. I contact and submitted all required documents requested for the credit union representative. I later learned from another Navy Federal representative that the time to process a refund had expired.
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After failed attempts to resolve the matter with XXXX, XXXX  and Navy Federal I found your information to file a claim. It 's so upsetting for a company - XXXX to attempt to defraud me. After submitting my payment and not receiving my shoes timely, I began researching the company and noticed a number of unsatisfactory customer complaints. It is my personal opinion that this customer is defrauding others as well. There are no derogatory complaints on their website but noted on many other sites.
<P/>
I am hard working mother of XXXX and do not have money to give to anyone. Please assist me with obtaining my money for this fraudulent issue.
<P/> XXXX XXXX XXXX XXXX XXXX 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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent multiple certified letters to Transunion about inaccurate information on my credit report. They say I hav e 9 bankruptcies ( which I think is impossible ) and a multiple tax liens, but they say its " verified ''. I ask them to validation of these ( physical proof with my name and signatures ) and they just tell me its verified. I called them to today because now they are saying they have no records on me and then the same day I get a 500 page report with mine and a bunch of other people 's mixed together and it shows they multiple bankruptcies that are not mine. The supervisor was kind of shock with the 500 page report and said i have more than one credit file and he was confused why that was. I need this resolved and they just keep giving me the run around and playing dumb, i.e., we ca n't find your file ... we have it mixed with others ... you did n't give us enough information to verified your identity ... blah blah blah ( I sent them certified copies of my drivers license, social security card and utility bills but I still get the run around. Is n't this a major violation of fair credit act or something. My next move is to contact a lawyer which I want to avoid if at all possible so your my last result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One Platinum Master Card Account Ending in ... XXXX. Account closed by the creditor XX/XX/XXXX. 
XX/XX/XXXX Remaining balance of {$12.00} paid, a {$.00} credit remained on the account.

Payment Due Date XX/XX/XXXX.

XX/XX/XXXX account charged a {$6.00} finance charge, minus the {$.00} credit a remaining balance of {$5.00} remains. 
Called Capital One on XX/XX/XXXX to dispute this finance charge, was told I was responsible for the fee. 

Complaint : Closed account with a XXXX  balance continues to generate finance charges with the expectation that I need to pay each time. 

Please assist with the resolution of this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my report and offending my score

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with Assigned Credit Solutions (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector trying to collect for a hospital XX/XX/2010. My husband has never been associated with this hospital for medical. We live far away from XXXX. Collector claims there are XXXX bills totalling less than {$300.00}. My husband is XXXX yrs. old on XXXX and XXXX for Life as an XXXX veteran. We rarely pay out of pocket for medical expenses as are fully covered by his military service. I was phoned this past week by the collector. Friday is the deadline if he does n't pay. We have no idea what the procedure was for or by whom in the hospital. We always pay our bills on time, so perplexed why we were never billed if legitimate. I wo n't pay this without not knowing what it is for itemized. Can you help us in finding out if this is legitimate? We do n't really know what to do without proof. We would gladly pay the bill if we knew what it included. Thanks.

Company response to consumer: Untimely response
Consumer complaint received 02-11-2016 about Consumer Loan (Installment loan) with SCOTT FETZER FINANCIAL GROUP INC (WA).
Issue: Taking out the loan or lease

Complaint: While I was XXXX XXXX my spouse open an installment loan contract for a vacuum cleaner in hers and my name. Upon returning home from XXXX I was informed of this contract. This contract is a fraudulent contract because my spouse did not have power-of-attorney ( POA ) to open installment contracts in my name. After reviewing the contracting it shows that my spouse signed my name as co-buyer. The salesperson should have deleted the contract because he never witness me signing the contract and never obtain a POA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with MARINER FINANCE, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses

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 07-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: For three months XXXX XXXX - XXXX XXXX Citi has claimed my bank has returned my payments as NSF. I was not informed until XXXX about the issue. I called and spoke to someone who stated payments take XXXX5 days. I scheduled a payment for XXXX/XXXX/16. I called again on XXXX/XXXX/16 and was hung up on. I called back and the person I spoke to said the bank had returned NSF, even though I was paid the day before the payment was set. She then told me they had resent it and it had been accepted and they had received the funds from my bank, and that she would request a supervisor to contact me in XXXX48 hrs. I never received a call. I received an email on XXXX/XXXX/16 that it was returned NSF. However, I had a minimum of $ XXXX {$500.00} in my acct for the past week, over {$1000.00} the previous week. The person I spoke to said a request for a supervisor to contact me had n't been made until XXXX/XXXX/16. Because of this continued issue, my credit score had take a substantial hit, making it impossible to get the home loa I was going to go after. When I told this person I was upset and wanted to speak to a supervisor about getting refund on the return fees I was charged, and getting my credit score issue addressed, she told me that Citi did n't report to credit bureau. She also said that there was no supervisors available. The person also put me on hold a couple of times while I was attempting to explain. She finally told me that if I did n't stop talking she would n't make a note of my complaint. At this time I became very angry, hung up, and made this complaint.

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 12-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My account # XXXX at Bofa was charged a NSF fee on XXXX/XXXX/2016 for {$35.00} when I noticed on the account activity a merchant deposit being made the same day so I am not sure why the account was charged this fee. I believe there were enough funds in transit that should have been sufficient enough to take care of this fee. The Bank charged this fee unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..

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 11-03-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: In XXXX when my husband and I at the time were still married, we refinanced our mortgage with XXXX Mortgage. We also had a home equity line with " then '' Wachovia '' who is now known as Wells Fargo. During that refinancing process, Wells agreed to remain in the second lein position on the subordination agreement. Now, in XXXX, when we are divorced and trying to sell our home in a short sale, our sale was denied by both banks because Wells Fargo NEVER recorded the subordination agreement to have our title correctly reflect the lein positions. Both XXXX and Wells are refusing to budge and are fighting over first lein position, even though I have a copy of the actual agreement where Wells agreed to remain in the second lein position! I have been communicating with real estate attorneys, short sale attorneys, XXXX, Wells Fargo, and ALL of my resources continue to point me towards Wells Fargo who made this egregious error. Because they neglected to record the new lein position to the title, I am now in jeopardy of going into foreclosure status on my home ( I assumed all mortgage payments myself as of XXXX of XXXX and my ex completed a quit claim deed ). Additionally, and going all of the way back to XXXX of XXXX, I began attempting to remove my ex-husbands name from the Wells account as well, and they denied my application to refi and remove him from the loan. Since the inceptioon of my communciation with Wells, I have gotten nothing but inaccurate information, been pointed in the wrong direction, did not receive calls back and NOW because of their error back in XXXX I may be at risk of foreclosure. My ex and I did nothing wrong. WELLS neglected to record their lein position on the title, and now are credit histories are at risk of complete abomination! This is unacceptable! I opened a case with Wells on XXXX XXXX, XXXX and they are still trying to locate the subordination agreement which I faxed to them to be able to help me and clear this up. This is a complete disaster based on THEIR negligence, and I should not be left with a home in foreclosure and a destroyed credit rating because of the incompetence of Wells Fargo.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, Equifax publicly made it known that over 145 million consumers had their personal information hacked from their databases. Equifax has illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, Equifaxs mishandling of confidential and personal information which allowed their systems to be hacked, violated all privacy rights. According to the Fair Debt Collection Practices Act, I believe all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are both XXXX reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported XXXX from the old account owner and the new account owner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Customer Service Department, This is pertaining to the package dated XXXX XXXX, 2015. The information included does not address the fact the payment being billed for PMI has increased and does not coincide with the documents signed with XXXX XXXX. Also, it states that Green Tree has not completed an analysis since the service of the account, however, in prior mailings, it indicates otherwise. Additionally, a payment remittance has not been received for the second month consecutively, which further solidifies the mishandling of the account. 
Consequently, on your Green Tree 's own website, it displays how the escrow account is used for various payments and how it could potentially change from year to year. Listed are taxes ( which I pay directly to the county ), insurance premiums ( which I pay directly ), but no mention or PMI. If my PMI has been predetermined based on my refinance with XXXX XXXX and should not be modified, then why is there a change when the factors provided do not apply to my circumstances and or loan? 
Lastly, it states in the same package dated XXXX XXXX, 2015, that all RESPA letters should be sent to XXXX XXXX, SD. Sending correspondences via the mail are very problematic as my experience has shown that documents are either not received and or not annotated not in sufficient properly. I am paying accordingly to what the documents in the refinanced stipulated, therefore, anything additional would constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My XXXX credit card was discharged in a bankruptcy XX/XX/XXXX.XXXX had the financial contract for the credit cards when I opened XXXX in XXXX. XXXX sold to capital one XX/XX/XXXX same year I went BK. Then Capital one sold XXXX credit XXXX XX/XX/XXXX. I was discharged XX/XX/XXXX with no liens for creditors. 
Then Capital one started thru XXXX hounding me saying I had to return my secured debt. That XXXX XXXX had a statement saying everything on the credit card was a secured debt. Even through Nothing from XXXX was mentioned. Then I received receipts which were doctored. Not my signature not account numbers. It also had my grandfathers signature and not his account numbers on the receipts.My grandfather died XX/XX/XXXX but XXXX has all his account numbers. my grand father did not have a XXXX XXXX Card XX/XX/XXXX, XXXX gave me a receipt for a XXXX XXXX card number under his name XX/XX/XXXX. My grandfather opened a XXXX XXXX card XX/XX/XXXX and it was closed immediately because it was a fraud since he was in a XXXX home. My mother was Trustee. He bought my mother a dishwasher and computer XX/XX/XXXX Which he paid for except for {$100.00}. All the receipts are made up. Then they gave me a receipt for for a TV I bought XX/XX/XXXX on a 36 month which as paid. But it broke down XX/XX/XXXX and I had a XXXX warranty policy so they exchanged the Tv XX/XX/XXXX. They want the warranty money back say it is secured and the TV which was bought XX/XX/XXXX and paid not XXXX. I have the original receipt. They keep sending me letters and I keep telling them it is a fraud. Nothing was said in bankruptcy. No complaints. XXXX XXXX was my lawyer and was a recently retired trustee. XX/XX/XXXX Capital one started again and XXXX XXXX office had talked XXXX and then they started again. Capital one does not have the XXXX debt that was sold XXXX. XXXX said not right, ignore. I just got my credit back do not want it ruined. Can you help.

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 U.S. BANCORP (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit information.

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