milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: on the year 1995 I when to the bank wells fargo bank to make a deposit for XXXXand the person who help me with my money he tell me that I need to leave mymoney for one year so on the same year I have a problem with XXXX theytook my XXXX to come back to XXXX XXXX so I stay in XXXX for one yearso the next year I come back to XXXX XXXX so I lost my XXXX my letter from the bank orany information about the acct so I do n't have any information I when to the bankand I ask for my money they tell me is nothing or any record with my money or my namedor social security number I leave the bank very mad because no body tell how I can getthis money back so the time when on and move from XXXX about 5 years agoand I was going truth my paper and I was take out all the trush and I found informationfrom the I rs information about my money and I have XXXX also my old checking bookI star wirh the company XXXX company they said they do n't have any acct with thewells fargo bank I need to call them about my money and I have a bout 5 monthsand they said the state have because after 7 years they use the money they sand to thestate the state said the bank have a number or when they send to the state I fieldthe no body whan to tell me happen with this acct but I know I make this deposit and I was in here to make any decision on this money so I need the some body have torespond me about this matter I need to find where is this money I know is going to be 20years ago but the matter is the I make this deposit I have a person who when with mewhen I deposit this money and when I ask for this money she was with me at the timeso I need my money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent letters to Midland Funding seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion did not address my issue and claims they ca n't find the collection that is as clear as day on my credit report. This collection has been handled directly with the creditor and was removed from XXXX, however, TransUnion is still showing it on their credit report. It needs to be removed completely not showed as a " paid '' collection. I used Divorce paperwork from court to show that this debt was not mine and XXXX XXXX XXXX cleared the debt and had it removed completely from my credit as a collection. TransUnion is still showing it as a collection for some reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

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 03/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.

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 08-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I went into a local Chase Branch around XXXX to open an account. I found out there had been an open account under my information that was not mine. I disputed the information with Chase and sign all their affidavits etc - they had promised me that once I had fullfilled all there request that I could then open a checking and savings account. Finally back in XXXX I got a letter from chase telling me that I was not liable for the account and all the fess and information would be deleted. ( please refer to the second page of the attachment for this information. ) On the second page of the letter they sent me they stated I could open an account again. I went into a branch today XXXX/XXXX/16 to open an account. Before the rep even got all of my information she said because there was an open fraud case in the past they would not be able to open a account for me. I explained to her that it was closed - and I was found not at fault and was promised to open an account once it was all said and done .She said there ware nothing she could do.

Company response to consumer: Closed
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call XXXX to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX / XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - Coaf : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XXXX XXXX XXXX - XXXX  XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The lender Navient solutions inc. has been ripping students off on a daily basis and I happen to be one of them.They reported that I owed them outrageous amount of money from school I attended back in 2010 ( XXXX XXXX XXXX XXXX ). They failed to apply my monthly payments to my total account balance and were constantly harrassing me on phone when I dropped out of the program.They totally ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with XXXX and Experian 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against XXXX, Experian and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Making/receiving payments, sending money

Complaint: XXXX of my Citizens Bank checks ; mortgage, energy loan & electric co payments were stolen out of the mail. Though none were made payable to XXXX XXXX XXXX, XXXX of the checks were cashed by XXXX. A thief got my money. 7 weeks later Citizens still ca n't figure out how to help me. Not one person. I 've sent front/back images of the checks. I 've filed XXXX police reports. I 've talked with more than 20 people at Citizens including Supervisors and Managers. Not one knows how to navigate their own system in order to help me. The front office has absolutely no idea how the back office works. And, to make matters worse, they do n't communicate with each other. There 's no training. If there is training there 's no retention of the information. The loan company told me they were going to put me in default. However, they provided real support and information about what should happen. They said Citizens should provide me with a Provisional Credit so I could pay the companies who did n't get my money. Citizens never told me anything about their obligation to provide me with a Provisional Credit. Citizens initial consul was that I should pay the companies again from a different account. I told a Supervisor at Citizens Online Banking I was going to contact the Attorney General to report this abuse. He ended the conversation and escalated my complaint to the Office of the Chairman. Maybe they can make something happen? I 'm suppose to hear from them in 24-48 hours. It 's been over 24 hours and I have n't heard from them. Plus, I received a threatening letter from XXXX, XXXX with a case #, XXXX # and threatening language : " this is an attempt to collect a debt ..., '' signed by XXXX XXXX A Citizens Branch Mgr said it was a fraudulent letter. Turns out it 's Citizens Bill Pay service. Bottomline no real help from Citizens in solving their longtime customer 's banking problem caused by a lax banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Other

Complaint: Synchrony bank, samsclub Commercial Credit Card is reporting a commercial credit card on my personal credit report. The account is past the 3 year statute of limitation of debt collection in Louisiana and over 7 years old. I 've disputed this account several times and they refuse to delete the account. Synchrony bank is n't the original creditor issuer of the the commercial credit card.

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 01-04-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I fully expect Wells Fargo to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Wells Fargo. Well, I have read many other CFPB complaints against Wells Fargo and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by Wells Fargo does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at Wells Fargo? When is the CFPB going to hold Wells Fargo accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 


There are Debt Validation issues with this loan. Instead of addressing these concerns, and providing an itemized statement of account, Wells Fargo is running to f/c on an elderly woman. The homeowner has opened up complaints to address those issues, but Wells Fargo has pushed response date for these complaints out past her foreclosure date in order that they dont have to give her a response before pushing her out of the property. This has happened multiple times. 

Wells Fargo claims they have not received monies since XXXX. However there was a XXXX in XXXX in which Wells Fargo was paid each month out of those XXXX XXXX payments. What happened with the dispersal of those funds? 

We are asking that Wells Fargo not foreclose on this elderly person until her concerns are addressed. The questions and concerns she has are straightforward and fairly simple. Most recently, Wells Fargo has delayed responding for over 90 days. Why is WF intent on not responding until after the property is foreclosed on? Is something being hidden from her?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this unknown account with both the creditor and tge credit bureau and it keeps coming back as verified. I have never had an account with chase, this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Delinquent account

Complaint: I have an XXXX XXXX XXXX Aviator Red Master Card that was closed due to a {$14.00} charge that went 90 past due. I was not aware that a {$14.00} charge was posted to my credit card as I made a {$1400.00} payment to this card account in XXXX 2015 to bring the balance to zero. All communication to me by the bank was sent electronically and was never received. I incurred and paid {$120.00} in late fees for the {$14.00} charge. The Bank never notified me that my account was past due and that it was being reported to the credit agencies. On XXXX/XXXX/15 I was mailed a hard copy letter informing me that my account was cancelled and that the delinquency was reported to the credit agencies. No communication of this issue was made known to me by mail before XXXX/XXXX/15. Customer service at the credit card company/BANK is unresponsive. Promises to remediate have been made with no follow up. The credit card company has admitted to me that proper notification procedures were not followed. No follow up or further communication by the card company has been completed. Principal and late fees totaling {$130.00} have been paid even though the original charge in question was only {$14.00}. The primary problem is email communication including bill delivery that likely never reached my inbox due to spam filtering. Lesson learned, do not select electronic bill payment and presentment. Stick with snail mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a 'permissible purpose ' I am writing this letter. 
I do n't recall applying for credit or several COMPANY'SYou state it yourself on my report. Unspecified I did include some definition of Unspecified. I did not authorize to run my creditFrom the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] '' ( : D Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Caliber Home Loans, which calls itself a collection agency rather than a bank. On two recent occasions, I made my regular monthly mortgage payment to Caliber and they did not deposit the payment, claiming that it was not associated with my bank account properly. They charged a late fee on both occasions. I fought to have the first late fee ( XX/XX/2016 ) reversed, but they have refused to reverse the second fee. The payments were made using my personal checking account, which I have had for many years and which has not changed in any way. Other payments from that checking account were cashed routinely without a problem. I suspect that Caliber is using the claim of " no account '' to add late fees to my, and perhaps other accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I checked the do not owe box, because it was best option, according to Michigan ( 6 years ), I should n't owe this debt. The only information I have on this debt is on this writ that I uploaded. XXXX XXXX XXXX. Not sure if this debt is an installment loan or credit card. Either way, I think it was a debt that was incurred somewhere between XX/XX/XXXX and XX/XX/XXXX. I live in Michigan where the statute of limitations is 6 years. It is now XX/XX/XXXX, about 15 years later, and this attorney, is still garnishing me. I noticed this writ is dated XX/XX/XXXX, 3 years ago. Hmmmm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Our office has been attempting to have a short sale reviewed on this property. Every time I have called in to the main Loss Mitigation number at Ocwen, I am advised that there is a specific person handling the file, and the main department is not able to help me out. I have attempted numerous times to reach my " single point of contact '' but have not gotten a call or email back. This short sale was submitted in XXXX and there has been no movement at all despite contacting presidential escalations.

Company response to consumer: Closed with explanation