milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. 

XXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. 

Something criminal is happening here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Settlement process and costs

Complaint: Wells Fargo foreclosed and sold our home at sheriffs sale despite the fact we were not delinquent - apparently due to the results of a class action resolution they undertook with the Justice Department related to " pick-a-payment '' financing by XXXX, our original lender. Despite our being aged almost XXXX, my wife suffering from XXXX, after full compliance with all of their demands, we were strung along with a myriad of, what they later described as " mistakes ''. These would include, but not be limited to : 1 ) failure to refund to us, some {$16000.00} of hold back funds when required work was completed, 2 ) a Sheriff 's Sale of our home when we were not delinquent, 3 ) Post said sale, revealing that we had XXXX dollars of credits posted to Escrow " suspense '' and " unapplied '' accounts ( said monies not listed in paperwork leading up to the sale ), 4 ) Stringing us along for almost three years during which we received phone calls and letters asking us to be patient and that they needed a little more time to resolve the mess, 5 ) Advising us by letter that the loan was paid off with no balance remaining, 6 ) Advising us that they were sending a Deed which we needed to refinance this and adjoining properties ( which was never sent us ) 7 ) At one stage, requiring us to sign a loan modification, " ... to get the settlement process working ... '', whereon they did not sign their portion, nor send any clarification of status until well after they had communicated in several ways that our loan was paid off. Subsequently, almost two years later, a copy of the completed/signed by them " agreement was sent us, and they started demanding payments, 8 ) When we wrote asking for clarification and providing them with evidence of the communication to us that following adjustments, we owed no money, they again strung us along with phone calls and letters advising they were researching the matter, and expected resolution within the next several weeks, 9 ) Despite these assurances that they were working toward a resolution ( and still so claim ), they again commenced foreclosure ( bear in mind we have yet to receive a deed which shows the property to be in our name ), the date of said sale is scheduled for XXXX/XXXX/16. In light of the other shenanigans that they are involved in, are others suffering such as we are? This matter appears to be clearly beyond our ability to deal with what appears to be a predatory ( admittedly cordial but with devastating results of our continued patience that they request ) action against folk that the Bank has extensive data as to the damages we have and continue to suffer. HELP!

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 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Debit Card was lost and XXXX XXXX has not protected my rights under lost debit card with the XXXX policy. Under Dispute Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Requested a payoff quote from Ocwen loan servicing. The document had almost {$22000.00} in XXXX fees, bill padding and unnecessary charges. 
EXAMPLE ; {$440.00} for " Mailing fees '' EXAMPLE ; " Foreclosure fee '', " Foreclosure expense '', " Foreclosure cost '' EXAMPLE ; " {$7800.00} for 'legal filing service ' '' Calls to the company have been met with stall tactics and refusals to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls to our home, and both cell phones from this number claiming to be ally credit ( my husbands car leasing company ) for a few days and then XX/XX/XXXX they called all three numbers within seconds. 

Gave false information and wanted our loan and or social security number when I returned called them. When I questioned them they gave false information on who they were and I reported them to the fraud dept of Ally bank but they are harassing consumers and need to be stopped. 
They are calling from XXXX and telling me their call back number is XXXX both numbers are NOT ALLY bank numbers. The supervisor game me false information XXXX ID # XXXX. 
I called them back to stop the harassment. These numbers are now blocked from my home and cell phones but they are trying to scam.

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 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I would like to file a dispute for the following on the grounds of financial hardship. I was unemployed for an extended period of time while living abroad for work. 

I have since returned to New York and not missed payments and am working to rebuild my finances and return to good standing with my creditors and the credit institutions. 

If possible to forgive these I would be so very grateful. 

XX/XX/XXXX Late fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Hello I have a auto loan with XXXX XXXX XXXX THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. 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 04-11-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They said the ss number belongs to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ive initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed Experian that the following addresses are not mine or never been mine : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Please have these addresses removed from my credit file.

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 06-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit line increase/decrease

Complaint: I requested a {$5000.00} increase to my Bank of America visa card. I receive XXXX in retirement from XXXX XXXX, CA and XXXX in social security yearly. I have in excess of XXXX in an investment account at XXXX XXXX bank and just closed escrow on a home I owed without a mortgage for {$630000.00}. My husband has an investment account valued at somewhere over XXXX. 
This is banks and the credit reporting agencies using debts to deny credit and lower FICO scores while at the same time denying other bank assets. They falsely lower your FICO score to gain higher interest rates. To me this is racketeering!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have received a letter from Diversified Consultants on XXXX/XXXX/2016. I responded to the letter on XXXX/XXXX/2016 with a delivery confirmation date of XXXX/XXXX/2016. I have sent the collection agency ( Diversified Consultants ) multiple letters via XXXX certified mail, stating that this was not a valid debt, and requested all information related to the alleged debt. But, I have not received any correspondence from them. Also the collection company is in direct violation of the FDCPA ; they have reported inaccurate and incomplete and non-validated information on my credit report to ( XXXX, XXXX, & XXXX ). Its very frustrating that someone can willfully ignore your request, and damage your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company did not accept forms of payment besides a debit or credit card. A relative had a debt that was collected through this company and in order to assist them in paying it off I made an arrangement with the company to contact me prior to running my credit card for any amounts due. The debt was not mine, however, an arrangement was made such that my relative would give me an amount of money to pay for them on their debt. The company will call me and ask the amount to run on my credit card. The representative took it upon herself to run my credit card without my permission nor approval for an amount on XXXX separate occasions. When confronted about running my credit card without my permission she then proceeded to be very unprofessional and rude when the mistake was made on her end. She told my relative that they needed to " just put the money in their account because she had already ran my credit card anyway. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached and my information, according to the website, " may be impacted ''. They failed to disclose this in a timely matter and are leaving the protecting of my information in my hands rather than actively protecting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I get so many inquiries who was not required by me and I really need to get removed from all XXXX credits bureaus this inquiries is hurting my credit score and my ability to applied for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (HI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX 2017 - XXXX XXXX - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door asking for me and if I lived there. Friend told him to leave. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door, striking it forcefully and loudly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my safety ). My friend, who was likewise concerned, asked this person to identify himself.
Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My friend ( a law enforcement officer ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold. 
XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy. 
XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Medical debt) with TekCollect Inc. (NC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I spoke to a man at Tek Collect inc. that said " May I speak to XXXX ''. I did not identify who I was, I asked him who was calling.. He said XXXX were calling to collect on a debt. I told him that I had not identified myself. He yelled did you pay the bill or not. Then he hung up in my face. He was rude and condescending.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WY).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. XXXX and Transunion continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the  debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days

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 04/28/2017 about Debt collection (I do not know) with U.S. BANCORP (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  Phone nu mber :  XXXX .     I have been receiving phone calls from this company stating that I am being sued for an old debt with  US Bank. I contacted US bank direc tly after the first phone call and they stated that I do not owe a debt with them & to ask the company for a validation of debt.     I received a phone call from a blocked number, when I answered the woman on the phone was from   XXXX   XXXX   XXXX   XXXX   claiming to work at a law firm. When I asked her for a validation of debt, she declined. She stated that I would not receive that from them, I would receive that from the bank and that she is going to push a button and place t his $ 4,000+ debt to my credi t report, where it will stay for 15 years. She went on to say that if I did n't pay her with in the next couple of minutes that there would be no way to resolve the debt. This woman was very rude, she would not answer any questions that I had asked. She cut me off multiple times and threated me by saying she has my social security number, birthdate, address and information about my personal owned business. She stated that she has many avenues on which she can take to collect the money owed. When I told her I needed a little more clarification on the situation, she hung up on me ... twice.

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