milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with ConServe (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX is showing up on my credit report 2x. This is something that originated in 2013. I signed up for classes at XXXX and then withdrew. I never attended one class there. I was told I would not owe any money and I have been battling with this for two years now, I have written letters, contacted the school etc. they are now showing it has been turned over to a collection agency not once but twice. One amount is XXXX and the other is XXXX. I do n't know what to do I do n't owe XXXX bill let alone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A XXXX cell phone debt that was sold to AFNI, and previously discharged in my bankruptcy, ( both XXXX and AFNI received notices ) is reappearing as a recent XXXX 2015 .collection by AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (FL).
Issue: Problems when you are unable to pay

Complaint: I co-signed on this vehicle, this case went to court in front of a judge and he adjured for this case to be dismissed. Ford Motor Credit 4 years after keeps reporting current late monthly payments after this was ordered to be dismissed by a judge. I need these folks to be told that this is illegal and they can not be doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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 FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have not received the proper validation regarding the debt, the collection company, has sent copy.s of collection items that does n't properly confirm the debt in question. I would like them to send me a signed document of debt to properly verify the debt. If not please delete this item from my credit file. They have paid for debt that does n't verify the debt properly. Have them send me a original copy of the debt with my signature to properly verify the debt if not please delete this item from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Meridian ARG Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Someone named " XXXX XXXX '' left a message on a family member 's voicemail saying there are two pending charges against me and threatening to arrest me. From this number : XXXX. PLEASE do something about this, it has been very scary and the fact that they contacted a family member is infuriating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with U.S. BANCORP (VA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, 2017, US Bank closed my bank account with no notice to me whatsoever, via email, phone or mail. I only discovered it when I went in to check balance. When I called, I was treated extremely rudely, then told that I needed to go see the bank manager in person. Unfortunately, my nearest US bank is hundreds of miles away. They told me they would not help me speak to anyone further.

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 02-01-2018 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: " CONTRACT WAS CANCELLED '' " NO CONTRACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: On multiple occasions I have contacted Experian in regards to their reporting of XXXX XXXX XXXX ; a collection agency reporting a medical debt from a state that is not my own. 

I reached out to the collection agency and they sent me documents that not only provided a signature that was not my own, but had documents that would clearly be a violation of HIPAA. This debt belongs to XXXX XXXX XXXX. XXXX has not contacted me about this debt. 

I spoke with an Experian representative on XX/XX/XXXX. On XX/XX/XXXX I received an alert on my Experian account. XXXX XXXX XXXX came back verified. This was absolutely impossible. 

Experian is the only credit bureau I have had an issue with. This fraudulent collection account is only on this report and it is the only collection account I have on all 3 of my credit reports.

If Experian actually verified that this account was mine they would know that XXXX is 1 ) not legally allowed to collect in the state of Illinois 2 ) attached documents that have a signature that is not mine 3 ) the originating debtor is showing an address in Georgia.

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 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was never provided any documentation regarding such creditor. I have been given various collection amounts but no paperwork to prove it. Also, I get around 2-3 calls per day from the debt collector threating me to such an extend that they 're telling me that it will never be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 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: After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the   XXXX   public records.   I then wrote  to the CEO 's of th e  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, su bsequently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.

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 12/17/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Transaction issue

Complaint: This is my second complaint on the same matter.XXXX I liquidated funds and would like to pay this balance that was initially rejected for insufficient funds, but I can not do so. The bank 's system will not allow it! I have to wait for them to resubmit it 3 times ( which means XXXX fees from the credit card issuer AND my bank ) before it shows up again as an owed balance. I have chatted and called with no satisfaction. Initially, prior to the first fees charged, I was told by " XXXX '' in XXXX that they would correct it on their end by pulling back the payment and reposting the unpaid amount. When I saw this did n't happen, I called again and was told this was wrong, they could not do it. Every customer service person I speak to or chat with has a different story. It 's simply set up to generate fees for them. They should not be allowed to do this. They should not be allowed to NOT let you make a direct payment to stop this crazy process.

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 09-07-2015 about Credit reporting () with LEXISNEXIS (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please see attached document dated Sunday, XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union had a glitch in the system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was never given to me which also is a violation. So I am requesting that these following items to be removed : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX Also I am victim of identity theft which I sent in a VALID POLICE REPORT that was typed and sign along with a official police department stamp that was deem that valid by Trans Union.

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 09/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I opened a credit account with Comenity Bank for merchandise I ordered from XXXX in XX/XX/XXXX for {$1400.00}. 

There was a 0 % promotion that expired in XX/XX/XXXX. All my payments were on time and paying down my balance. Then in XXXX the promotion expired, so they charged me interest. The problem is that the statement says that the XXXX is 27.99 %, and my balance at the time was {$260.00} - so that should be {$73.00} in interest right? Instead, they charged me {$260.00} in interest - they charged me interest on the entire balance I had originally borrowed, including the balance I had already paid off! How can they charge me interest on money that I had already paid back?!?! And why does n't the interest rate they show on my statement reflect the real interest I 'm being charged? 

And since then they 've been charging me more interest every month and late fees on top because I opened a dispute and they rejected the dispute. 

This is completely unfair and predatory. They 're wait times are astronomical so I can barely talk to anyone. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we were put into a Pick a Payment mortgage by Wachovia at the time with a 7.45 % interest rate. Back in XXXX we tried several times to modify our mortgage with Wells Fargo and were denied. We made too much money was XXXX reason and then we were also told to pay the lowest amount to make our payment deferring principal and interest. We were also advised to fall delinquent so they would help us. We missed XXXX payments, they did not work with us and they started foreclosure. A family of XXXX we wanted and needed to keep our house. So we filed a chapter XXXX in XXXX to keep our home and try XXXX more attempt at a loan modification. The modification was still denied. Here we are in XXXX XXXX with XXXX payments left through our Chapter XXXX and we are still only paying the lowest amount which does increase yearly and is still deferring interest. Like many people that were in this type of loan we now owe more than what the original loan was for. We are also afraid that after we get out of the Chapter XXXX that we are not going to be any better off because of everything that is being deferred. These Pick a Payment mortgages are toxic!!!!!!!!! Through our attempted modifications we never wanted to reduce our loan, we just wanted to be in a traditional fixed mortgage with the lowest possible interest rate. And let me back up before the modification attempts, we also tried to refinance but again the housing market was down and the equity was not in the house so that to did not work. Wells Fargo needs to get of all of these Pick a Payment loans. Not just cherry pick some who get the right person, attorney, or luck. Please let me know if there is anything you can do to help assist us. We are a concerned homeowner, working hard and living pay check to pay check because of our mortgage!!

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have had this account XXXX on my credit report for years and I 've always second guessed it because I did n't recall signing up for a student loan being that I was offered a full ride on an academic scholarship. I never received any information about a payment being due for this account until I pulled my credit report and discovered that my credit score was being affected by multiple late payments for this account. Now I finally know the reason why, this student loan does not belong to me! I recently logged on the the Nelnet website to go ahead and bring this account current. This student loan is for XXXX which is a campus that I have not attended and not only that a home address in XXXX XXXX, TX which I have never resided. I am outraged that this information has been added to my credit profile without proper verification of identity. I want this account removed immediately being that this account does not belong to me. I am using consumer finance seeking help to have this inaccurate information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 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: XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {$6600.00}. This information is incorrect. XXXX has finally removed this account off my report. XXXX just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXX XXXX/XXXX/experian about reporting false information and not fixing my credit report.

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 08/17/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Incorrect information on your report

Complaint: Im writing this correspondence because in XX/XX/XXXXmy husband and I did a loan modification on our home. I was laid off from my employer and was not able to find employment until late XX/XX/XXXX. At that time I was told that I can make partial payments in the amount of {$820.00}. We were told the remainder of the balance of our payment would be a rear age that we would have to pay at one lump sum or it would be figured into the modification. We were NOT told that this would negatively impact our credit. In the way of saying that we had made late payments because we were in an agreement with Wells Fargo. We had made a commitment to make the above payment in order to be approved for the modification. We had to make these payments for 3 months consecutively. Well our case sat on someones desk for 9/10 months as we continued to make the agreed to payment. I called and called, I finally wrote emails to CEO and CFO before anything would happen.
Fast forward to XX/XX/XXXX/XX/XX/XXXXI was laid off from my job again, agreed to a partial payment with Wells Fargo in the amount of {$850.00}, was not sent the agreement and again was not told that the partial payments would negatively affect my credit. My husband and I continued to make the payments in good faith thinking that we were doing the right thing. We agreed to a loan modification because we were told the rear age would be rolled into the loan modification and that our credit report would be updated.
I bring this up now because we are trying to purchase a new home and sell our current home and because Wells Fargo falsely reported these payments as late or misled my husband and I that they werent going to be late we are unable to purchase a new home. We had no idea that this is what happened until someone really explained it to us, and told us that this has been going on especially where Wells Fargo is concerned. My husband called in yesterday to obtain info on the modifications and he was placed on hold for 30 minutes and the person he was on the phone with couldnt find the info he was asking for. Either Wells Fargo doesnt have it together or your departments need better training on document retention. Im asking for you to correct this matter as soon as possible. I disputed the false reporting on my credit because for me it read as inaccurate because we were making the payment on time and the payments that were agreed to by both parties.

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 03-08-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Got a collection from XXXX in the sum of {$2300.00} for a credit card issued by Household Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: litton loan servicing led me to believe I would be able to get a loan modification.

Company response to consumer: Closed with explanation