milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 09/28/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (IN).
Issue: Can't stop charges to bank account

Complaint: I issued a stop payment on a check after checksmart refused to work with me after i lost my job. they have been calling me up to 9 times a day demanding payment in full, or that i ask a relative. They have refused my offer to set up a payment plan and have threatened to go into my bank unauthorized and deduct the funds illegally. I told them that i didnt have the money, but i wanted to get the debt paid on an installment loan plan, the refused and they will not quite calling. ive lost my job and have kids to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: I have my mortgage setup with Wells fargo. On XX/XX/XXXX my mortgage was paid for the month. Then on XX/XX/XXXX Wells Fargo drafted another mortgage payment from my account without my authorization. I called Wells Fargo on XX/XX/XXXX when I found out that they drafted from my account without my authorization. They started off by laughing at me and telling me to get a lawyer so I called my bank ( XXXX ) and reported it as fraud. I was told that my money would be put back into my account the next day and it was but today XX/XX/XXXX Wells Fargo drafted from my account again without my authorization and even after I reported it as fraud to my bank. Because if this I have around .300.00 in overdraft fees and now also missed payments for my electric bill, propane bill and my wifes car payment. What can I do about this fraudulent activity taking place from Wells Fargo and 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 monetary relief
Consumer complaint received 03/20/2017 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: In XXXX of 2016 my vehicle was total lost in a not a fault accident. Shortly thereafter my primary insurance carrier settled the claim. I made the last up to date payment on or about XX/XX/2016. On XX/XX/2016 I made a new car purchase from the same dealership that I have been dealing with for the past 7 years starting at a zero balance. I had additional Gap insurance to cover residual debt in the event of a total lost situation. to my surprise I discovered that the unregulated out of state insurance company out of Florida breached the standing contract with me! this caused the lender to charge off the debt to my credit report which I disputed, and I provided all the necessary documentation to this affect. The lender write off the debt, but reported that I was suppose to continue to make the monthly payment to them on the loan. All XXXX bureaus were contact both before the charge off, and after the charge off in writing in a escalated dispute. however XXXX XXXX has refused to adhere by removing inaccurate information regarding my dispute with them.

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 07-11-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National Credit Systems claims that I owe the amount of {$3000.00} on or about XXXX XXXX, 2011. <P/>I would like to be provided validation or a contract from this company for the said debt. I do not have a contract with this company, also this company does not have an active license to collect debt in the state of Indiana.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have tried to fix the accounts I have with Fox Collections. These medical bills where charged to the old insurance instead of the one I had at time of service. Also these balances where discharged through Chapter XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Went online to request my free credit report from Equifax. Message reads unable to complete without any reason given and to mail in request. I mailed three different times each time getting a letter from Equifax statibng they need the same information. I want a copy of my free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: You have failed to respond to a certified letter date XX/XX/2016. This lease was closed and paid for and NOT included in my bankruptcy. I gave you the opportunity to investigate this error within the allotted time frame. You are now in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have attached all the documents regarding my dispute claim against M & T Bank with respect to mortgage account number XXXX. 
Please be advised that I was never made aware, either by M & T representatives, whom I was in constant daily telephone contact, or the home appraiser, that I was responsible to pay the cost of {$38000.00} for the home appraisal. I only became aware of the charge the following month when I saw the charge added to my monthly mortgage payment. Since then I have been approved for a reverse mortgage and the balance of the mortgage loan has been paid off, and the service fee charge for the home appraisal was added to the paid off amount I want to be reimbursed for the unauthorized charge. Please let me know I you require additional information, if not please process my claim against M & T Bank As Soon As Possible. Thanking you in advance. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Wrote a letter to American Express explaining I was victim of identity theft, fraud and being scammed. The executive office reached out to me and told me not to worry they would investigate the mater and get it resolved for me. Today I discovered they sent all my accounts to XXXX XXXX for a debt collection. I informed XXXX XXXX to cease and desist contacting me or family or friends. Send all correspondence by mail. Additionally, there was fraud on my American Express accounts and I am gathering a police report to file. American Express failed to resolve the fraud and instead sent it to collection and shut my cards off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Medical) with Senex Services Corp. (HI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Found out that there was a debt collection for {$160.00} on my credit report. I was covered by XXXX at the time. I was never notified of the charge nor notified when it was transferred to a debt collection company. I only found out about this charge when I got XXXX XXXX. This charge was from 2010. I contacted SENEX Services and they have no record of it. I 'd like to pay the debt in full and request it be removed off of my Credit Score - or figure out why it was not covered by XXXX as it should have been originally ( XXXX informed me that I 'd need to contact the ER for billing, but the ER has no record of it either ) ... I just want this off of my credit report. It should n't be there as I was covered, I should have been notified, and I should be able to resolve this. If there is no record of this, why is it o my account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my XXXX XXXX, Equifax and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XXXX under the debt collector XXXX XXXX. It was deleted again under Receivables XXXX XXXX. Now this debt has resurfaced again on my credit report under XXXX XXXX XXXX. Neither XXXX nor TransUnion has notified me within the required five ( 5 ) days of re-inserting this twice deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Collection Service, Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Medical bill that was already paid. I tried getting a loan to refinance my home and it show as not paid. I called the collection agency and they had no record of me owing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO HOME MORTGAGE IS CREATING PROBLEMS HAVING THEIR AGENTS XXXX OUT OF XXXX XXXX SENDING MY TENANTS A LETTER STATING THEY ARE FORECLOSING IN 2 MONTHS!!!! OUTRAGEOUS ON XXXX HAND THEY STATED THEY ARE ESCALATING MODIFICATION BECAUSE THEY HAD INPUTED THE WRONG FIGURES AND NOW THEY DO THIS .THIS HAS ONLY SERVED TO MAKE MATTERS WORSE!!!

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 01/22/2016 about Debt collection (Credit card) with Offices of Stein and Meyer (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My wife received a call from an unknown woman saying they were trying to serve papers. My wife called # they gave her. A man named XXXX answered & stated he was with Legal Offices of Stien & Meyer. Told my wife that I owe money on an old account & am being sued. Told her account #, amount they are suing for and tried to get a settlement from her. Original amount was {$430.00} and trying to collect over {$1800.00}. This account was disputed through credit bureaus over a year ago and removed from my credit because creditor never replied with valid information. Man told my wife that he was looking at my credit report and it was placed back on there. I have not yet checked my own credit to verify but this is absurd! Not only are they threatening to sue, they are giving my wife information that by law they can not and trying to collect money from her. I can not find ANY information on this so called law firm and when I google the phone number ( XXXX ) it comes up with a marketing company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home equity line of credit with Bank of America, and I responded to a letter which notified me of the option of applying for a home loan modification. I had previously signed up for paperless billing, so I was relying on their account access for getting my statements. Once I had applied and begun the modification process, Bank of America blocked my access to online statements. Furthermore, my online access no longer will tell me the payment amount due, and I am not even sure if my payments are being applied properly. When I called them to ask about this, I kept getting referred to many different customer service departments, none of which could help me, and all of which said that I would not be able to access my statements or account information while the modification process is active. I need a copy of my statement to submit to the StepForwardMichigan ( HAMP ) program, and I am unable to apply until I have this information. I believe Bank of America is deliberately trying to get me to stumble so that they can begin adverse action - I can not think of a legitimate reason for blocking account access for a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Consumer Loan (Installment loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Problems when you are unable to pay

Complaint: I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both Experian & XXXX to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Which the EXPERIAN & XXXX have yet to provide.

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 02/17/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is owned by Bank of America and is a XXXX backed mortgage. Sometime around XX/XX/2011 we started a home loan modification process with BOA. This process took over 3 years of back and forth. We even took the steps to find a pro-bono attorney to help us the BOA gave him the same run around. In the end, BOA added almost {$90000.00} to the loan, increased our interest rate, and added fees to the loan that to this day have yet to provide proof as to what those fees were for to me. I have attempted to try and seek legal help and I am unable to find an attorney anywhere that will assist us with taking on BOA. All of them quickly say that they can not help us the second they hear that our bank is BOA. I have countless letters from them directing us to XXXX who request the same documents month after month. Emails between me, BOA, and my attorney at the time. 

Bank of America also knew that this loan was a VA loan. They failed to notify the VA that we were seeking a modification in a timely matter. In fact, they tried telling me that they did n't know my loan was a VA loan. By the time the VA was notified, it was beyond the point that the VA could do anything to assist me. 

I 'm a XXXX with XXXX tours in XXXX, XXXX tour in XXXX, a XXXX and an XXXX Commendation XXXX with " XXXX '' device. I 'm currently out on XXXX and this whole situation has in part contributed to my XXXX and XXXX getting worse.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an address on my credit report that is incorrect. I never lived at that address. I never applyed for anything using that address. I have no idea where that address is located. How I found out about that address was thru a debt. collection company calling me, trying to collect on a XXXX XXXX XXXX bill. I have never opened or appled for cable, or any other services that XXXX XXXX provides. The address on my credit report is XXXX XXXX XXXX XXXX Ca.XXXX. Address ID. # XXXX I have never in my life lived in XXXX Ca . or recieved mail at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: I opened an account with PenFed Credit Union back in XX/XX/XXXX. I credited the account with a XXXX dollars and never used that account again until today. So since there were no mouvements, they closed the account and sent the money to the previous address I used to live. I was not aware the account was closed. They never called or sent me an email. When I called on XX/XX/XXXX at XXXX, XXXX from PENFED told me they sent the check of {$100.00} to my previous address and I wo n't be reimbursed for that amount.

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 09/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I received a notice from Chase that my escrow balance was short {$530.00}. They gave XXXX options of how to pay it. XXXX was to do nothing and my new mortgage payment would be {$1100.00} So I paid {$1100.00}. What I failed to notice was that the new payment did not start until XX/XX/XXXX. After lots of time on the phone with Chase, we discovered that they applied my XXXX mortgage payment of {$1100.00} to my escrow shortage and did not give me credit for my XXXX payment. They are saying now that I am behind on my payments and I owe! 0 months of late fees. I have made every payment and I have made them on time. In XX/XX/XXXX my mortgage payment was {$1100.00} so they would not credit my mortgage payment because they said it was short.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did not authorize a hard inquiry on my account by 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 03-09-2017 about Payday loan () with Rosebud Economic Development Corporation (CT).
Issue: Charged fees or interest I didn't expect

Complaint: Zoca Loans is not licensed to do business in CT. Per CT statue Conn. Gen. Stat. 36a-563 et seq.Usury act applies or small loan act applies. The can only charge 30.03 % interest. {$11.00} per {$100.00} up to {$1800.00}. They are charging $ 769.35 % interest.

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