milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company placed a debt from XXXX on my Credit Report on or around XXXX. The only way I knew it was placed there was through monitoring of my credit report. No mailings or phone calls were sent or received at all! I immediately phoned them to tell them that this was a XXXX claim involving an Attorney. I provided the name and number of the Attorney and requested the accounts be removed from all XXXX ( 3 ) credit reporting agencies immediately! It is now XXXX/XXXX/XXXX and they still have not removed XXXX of the accounts - XXXX. In calling this morning, XXXX/XXXX/XXXX, I was given to a Supervisor, XXXX. He was rude, and told me that they did n't have to remove anything. I asked XXXX who they report to, and he advised " No one! '' I asked to be transferred to someone else, so he transferred me to an empty line which hung up on me. In calling back, I asked to speak with a Supervisor, other than XXXX, so XXXX XXXX answered the phone. He advised that he was the General Manager and would process a XXXX form to the credit bureaus and send a copy to my email. I advised him that I 've been told before by his company that this would be taken care of and it still has not! I advised XXXX XXXX that this company is hindering me from moving forward, as my credit report is marked with something that is NOT my responsibility and legally can not and should not have been placed on my report. This needs to stop immediately! There are consumers out there that should be protected from companies such as this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Equifax in this regard for the past XXXX months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: I had suggested to Bank Of America that they should add Airlines to their categories of their debit cards. I asked them if they had received it and they gave me a inappropriate answer.

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 05-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, XXXX, I checked my Wells Fargo account and found out I had a recurring charge on my Debit Card from XXXX. I called XXXX and explained I had a recurring charge on my Debit Card for {$24.00} a month. This charge started in XXXX. 
They said someone by the name XXXX XXXX open an account with XXXX for Credit Card Service and the charges were going to my Debit Card. I explained I never authorized these charges and I did not know who XXXX XXXX was. XXXX then cancelled the account. The account number that was open was XXXX. 
I asked if I could be reimbursed for the {$24.00} month charges to my Debit card, and they said no, I would have to contact Wells Fargo to be reimbursed my money. 
I contacted Wells Fargo and they said they could only file claims for the last 60 days. I am told them these charges were occurring since XXXX. They told me to contact XXXX. I contacted XXXX and they said they could not help with these fraudulent charges. I asked if they could provide me the name of the person who opened up the account with my Debit Card number, and they said they could not provide that information. 
I am looking to have XXXX reimburse me for all of the recurring charges on my Debit Card since the account was first open in XXXX. 
The Debit account that was charged, is not my primary account that I used for daily transactions. It was account that was first opened after my father died. I never received a paper statement detailing the account status. I never logged on to the account because I never used the Debit Card for any transaction.

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 10-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cash advance

Complaint: Hello, when I tried to go to XXXX XXXX thru their drive thru to ATM Machine to withdraw money by using my credit card Capital One cash advance for XXXX dollars in XXXX dollar bills but instead received {$15.00} in singles. A XXXX employee witnessed the transaction. They then called Capital One fraud department to report the transaction and they said they well reverse the transaction and only charge me {$15.00}, but then when I got the Capital One statement of bills, it is not showing the reversed transaction and still got charged of {$300.00} with {$3.00} transaction fee. I am also a XXXX customer with checking account. XXXX XXXXshould also be held responsible since the ATM machine is giving out wrong amount of money. I have been following this incident several times to both Banks, but until now it is not resolved. This happened on XX/XX/2015. If this could be resolved it would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received call from IQ Data debt collectors claiming I owed {$1200.00} in fees from apartment lease. I moved out in XXXX of 2014 and they claimed there were fees racked up in XXXX of 2014. Another person took over the lease and I had nothing to do with it from XXXX, 2014. I received a call from a lady with IQ and she was very rude and insinuated that she 'd heard this type of claim before, insinuating that I was lying. I told her that this debt was not mine and I had nothing to do with it, she threatened If i did n't pay it, it would report to my credit. I told her again it was not mine and she said she 'd notate on the account that i was disputing but that i had to call her back and make arrangements. I sent a certified letter to their headquarters stating I disputed the charges and to not report anything on credit. I also called the apartment complex, and was told that they never once sent anything to collections regarding my name, only the lease holder that took over my lease. They must have researched the previous lease holder, which was me, and tried to collect the debt from me. I called them again to let them know of the information I would be sending over and again they were very rude on the phone, rushing me off and instead of giving me an address to where I can send the docs, telling me to call back to speak w/an account manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with Crown Asset Management, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector from Crown Management XXXX XXXX keeps calling me for a magnolia schmit but I already told them I do not know her 3 times. They said she gave them my name and number for a references which was not true, they said they were actually looking for my ex and asked for his number at first and his brother I did not authorize them or anyone of them to even have my number. I have repeatedly told him and his supervisor to stop calling my phone looking for her. I have called them back and asked for their address so I can send them a letter to stop calling me and he still insisted on asking me to tell XXXX to call him, and would n't give me the address.

Company response to consumer: Closed
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is an issue I have disputed several times with Experian regarding items listed which are past the statute, unverifiable and authorized user accounts only. Experian is the only agency listing this inaccurate data. Nothing is being done or even address or verified. I need 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 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My wife is a surviving of a   XXXX   XXXX   XXXX   and she has no ability to make decisions on credit, nor does she have an income. I recently discovered that she had a balance of $  XXXX  with Citi and I wrote them the following letter. I think they are a predatory lender, preying on the mentally  XXXX  by offering them credit cards that have no hope of being repaid.     The following letter explains the whole situation.     **********************   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  Dear Citibank, It has come to my attention that your company issued a credit card and extended credit to my wife,  XXXX   XXXX . Her card number ending in  XXXX .     Her contact details are ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX  This is an unfortunate situation as my wife has no mental capacity to contract with you for a lending product, especially a credit card.     In  XXXX , my wife  XXXX  fell out of a third story window in  XXXX   XXXX , and suffered life threatening injuries, including a  XXXX  (  XXXX   XXXX   XXXX  ), and mentally she has no capacity to enter into legal contracts.      One matter that concerns is that she has no material income, s o I am curious how you could have possibly underwritten her for a card. There are many technologies for verifying income, such as  XXXX   XXXX   XXXX  offered by  XXXX , the ability to review bank account details for obvious paycheck deposits, or as a last resort manually verifying paystubs. You not only contracted with someone without the required mental capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the mentally  XXXX .     I feel very strongly that you have taken unreasonable advantage of a mentally  XXXX  person, while earning a great deal of interest, and I will be reporting this to both the CFPB and the California Department  of Financial Institutions as this is frankly unsettling and outsid e reasonable lending practices.     I will give you the benefit of the doubt that this is a clerical oversight, and if you provide documentation releasing her from these obligations, I will not report your organization to the CFPB and   XXXX   XXXX  . If this matter proceeds in a negative manner, I will be hiring legal representation for my wife and reporting your bank to the regulators mentioned.        XXXX ,  XXXX   XXXX , husband of  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 06/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: Recently TD Bank change the way they process transactions. I am a customers that lives check by check. My work checks are direct deposit on fridays each week. I pay my car every other week and now I have incurred in more than XXXX overdraft fees of XXXX. They said this change was because customers wanted it like that. What customers rich customers? I ca n't not afford this and certainly I ca n't not afford loosing {$35.00} dollars just like that. The only reason why have n't close my account is because I have to many payments linked to my account. I feel this NEW thinks is not only afftecting me is affecting people like me and we are getting excesive overdrafts fees. We are being robbed XXXX for the little money we make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (NY).
Issue: Managing, opening, or closing account

Complaint: I requested account closure via XXXX mail XXXX/XXXX/2016, per the Terms and Conditions of the account, by mailing the card and a letter requesting closure. While not required per the t & c, I also included copies of my photo ID, as a courtesy and proof of my identity and address. My account balance at the time was XXXX, and I asked that it be sent via check to my address on file, which matches the address on my photo ID. As of XXXX/XXXX/2016 I have still not received a refund. I was also charged a 'monthly maintenance fee ' of {$5.00} on XXXX/XXXX/16, and again on XXXX/XXXX/16, indicating the account has not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Acquired Assets, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i sent allen and association a debt validation on XX/XX/2016, i never received docs in regards to this account they say i owe, they are violation of fcra and fdcpa i want this deleted from my XXXX credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 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: Reporting company used your report improperly

Complaint: I was/am a victim in equifax credit information breach. Per equifax ' web check system my information was compromised. On XXXX/XXXX/XXXX I was given a future date of XXXX/XXXX/XXXX to enroll in trusted prime ID. A full 5 days after they *acknowledged* my personal information was compromised. 
I have put a fraud alert on my account for the next 90 days but have no idea what the far reaching impact of this will be. The cost for ongoing credit monitoring, the tangle of time for future paperwork/procedure processing. Those are the " easy '' things I 'm going to have to deal with. The cost and time-suck should my information be used is unimaginable to me. 
The exposure of my most vital personal information is my worst nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: Our mortgage was supposedly sold from an existing XXXX trust to another trust. 
XXXX XXXX XXXX. i was not notified of this transfer for over 90 days. At that time I requested proof of sale and a certified copy of my note as well as any assignments and or allonges.I have made this request over 5 times and I have never received any notoriety or certified copies of my notes sale.I did find an assignment datedXX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX, however XXXX was a defunct corporation at that time and I feel this is an illegal assignment clouding my mortgage. Specialized Loan Servicing has refused to provide my proof of sale of my mortgage or any substantiation of their right to service and become a debt collector of my note. I believe they as a Collection Company are acting without legal rights or possession of my loan note as the Debt collector. 
I have sent Certified mail requests for my note and all endorsements and continue to not be supplied such.They continue to damage my credit without rights to do so.

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 04/16/2018 about Debt collection (Other debt) with Sequoia Financial Services (IL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I had a debt with XXXX XXXX due to an car accident which took place in XX/XX/XXXX. In XX/XX/XXXX, I was notified that my license was in the process of being suspended. I set up arrangements with Seqouia Financial in XXXX XXXX, CA. I initially paid {$200.00}, and agreed to pay {$100.00} a month until paid. In XX/XX/XXXX, I was laid off and began receiving unemployment in XX/XX/XXXX. I made the required payments until my unemployment exhausted in XX/XX/XXXX. My loan recently defaulted and I was told my license would be suspended on XX/XX/XXXX, during a routine traffic stop. I had not been receiving mail because during my layoff I had to move with my parents. On XX/XX/XXXX, I spoke to XXXX XXXX who stated he would reach out to his manager to see if my payments could be reinstated. The following day I spoke to XXXX XXXX, and I provided him with a {$100.00} payment. He then said he was 99 % sure he could get his manager to resubmit a promissory note notarized by Sequoia. I explained I wanted to do arrangements, and that I needed to avoid suspension in order to continue driving 2 hours each way to work. Otherwise, I am unable to get to work and will not have funds to pay. He agreed to speak with his manager. I waited two days with no response. I then spoke with his manager XXXX who totally violated the FDCPA. He barely listened said he would speak with his manager who never let me speak with, and told me if I kept explaining my situation he would just say no. He told me he wasnt the one who smashed into a parked door. He proceeded to tell me in a later conversation that he would only accept a {$700.00} settlement and would not work with me to keep my license. He placed me on hold without annoucement. He lied like XXXX XXXX makes the rules on how they handle default, but after speaking with XXXX XXXX they are saying its the collection procedure which govern how the debt is collected. I am being provided false and misleading information, while being belittled. As I stated to them, I called willing to pay but I am being treated with ruthless collections tactics. Also, I asked for contact for escalated complaints and was told the owner at the address ( he did not provide an actual name or address ), the parties dodged actually giving me concrete information to file a complaint with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Tried to Make an arrangement to pay {$15.00} a month until debt was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Settlement process and costs

Complaint: I have submitted a complete short sale packet on XX/XX/XXXX2016. Once received the lender ( DI-TECH ) ordered a BPO ( broker price opinion from an REO broker which is in my opinion a conflict of interest as they they are not Licensed or Certified Property Appraisers and are not allowed to make adjustments for repairs. I was then told to get XXXX Estimates from Licensed Contractors in regards to the cost of repairs. I have done all that was requested and submitted to the lender who seems not to know what department is actually handling this short sale. There is an assigned Relationship manager named XXXX whom i have never spoke with and has not tried to make contact. There is a scheduled sale date for XXXX/XXXX/2016. and i am waiting to conform if the sale has been postponed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation