milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing the Wells Fargo Dealer Services account that is on my credit report with you. It is the only Wells Fargo Dealer Services account listed. 

I settled this debt with Wells Fargo Dealer Services in XX/XX/XXXX. This completely resolved the debt that I owed. I also do n't know why this is showing up as being late in the months after XX/XX/XXXX. If I do n't owe anything, how can you and Wells Fargo Dealer Services say that I am late? That 's impossible and does n't make any sense. 

But regardless of the reason, please delete the balance owed and make it show that I owe XXXX and delete the history after XX/XX/XXXX in which I paid this account off. Please make sure this is corrected and stays corrected. If you ca n't get a straight answer out of Wells Fargo Dealer Services then just delete the account. I do not want false information on my credit reports. 

I 'm enclosing a letter from Wells Fargo Dealer Services acknowledging receipt of my settlement payment and that the account is settled and I do not owe any more money. 

If you or Wells Fargo Dealer Services ( who I 'm copying with this letter ) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this. Explain why you are keeping this. To all of you -- show me the documentation that explains how I can possibly owe money when I have settled the account. I 'll be shocked and disappointed if you keep false information on my account and do n't even make an effort and explaining why you are doing this to me. 

But I 'm confident and hope that you will remove this false information from my credit reports. I 'm trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports. 

Thank you for correcting this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (RI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My husband and I are in the process of buying a house and went under contract, a month later our credit report was re-pulled to be sure nothing came up that would need to be resolved. We were not under the impression anything would. We found that we were marked late with our car loan through JP Morgan Chase for a month which we were not late. For two months prior we were late due to me being in and out of the hospital, my husband missing work, and unbeknownst to me, you are able to change date of payment with no penalty as long as it falls in the month. I was unaware of this and therefore those months were late. I paid those months ( XXXX and XXXX ) to date in the first week of XXXX on XXXX XXXX, 2017, amount {$490.00}, once this was paid to date, I then paid for the month of XXXX on XXXX XXXX, 2017, amount {$240.00}. My payment date is the XXXX of every month so I was sure to pay within the 30 day window. Paying on the XXXX was within that 30 day window. I called and spoke to SEVERAL different people all who told me they could not help me unless they were in the wrong. An investigation was opened with customer support that I called about daily. I was sent to the highest supervisor I could go to who was apologetic for the situation, but told me he could n't give me a letter stating they would remove this from my report, the best he could do was refund all late fees. He told me I had to go through the credit bureaus which I do n't have time to wait on considering the situation. He sent me to the executive office. They opened an investigation after speaking to two different people in this department, one of whom argued with me until she admitted they were at fault and noted my account. After proving my point that for the month of XXXX I was not late and stating several different times to several different people how time sensitive this is and I need a letter stating this will be removed from my credit to move forward with buying the house, I was unsuccessful in dealing with Chase and told I had to dispute this with the credit bureaus because they are n't authorized to send such letters and they could n't guarantee it would be removed through a dispute. I am at risk to lose my deposit, the house, and I ha e two little ones, another on the way, and this has tossed our world upside down. Chase has acted unreasonably in this situation. With me not being at fault for the month of XXXX, this should be removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Problems when you are unable to pay

Complaint: I was awarded a settlement against Capital One Auto for an illegal repossession on XXXX XXXX XXXX. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for XXXX XXXX XXXX at XXXX. However, I paid Capital One what was needed to retrieve my car back before it was sold XX/XX/XXXX, afterwards I was given the car back from XXXX XXXX who held the car at the impound lot. Afterwards, I paid Capital One Auto the next scheduled auto payment. Afterwards, Capital One disbarred me from accessing my online account via the XXXX. I informed my consumer justice attorney and previous bankruptcy attorney that I was having trouble making payments to Capital One Auto. I was told that because I filed bankruptcy that I could n't make payments to Capital One Auto until after the bankruptcy was discharged, even though I wanted to keep the car. I was also told that because I have a pending lawsuit against Capital One Auto for the vehicle that I 'm not supposed to make any payments to Capital One Auto. I contacted XXXX XXXX to handle the illegal repossession in XXXX XXXX and hired XXXX XXXX XXXX XXXX to handle the bankruptcy proceedings. I immediately put the XXXX in touch with each other in XXXX XXXX. I have emails showing that I was contacting both attorneys to make a payment since XXXX XXXX and screenshots of Capital One Auto who removed my account. I informed the bankruptcy attorney that I wanted to reaffirm the car but he stated that Capital One Auto did not want to reaffirm the auto. I was then told by the consumer justice attorney that it was because Capital One Auto would be settling and I would given the car. Now, Capital One XXXX is suing me to recover the auto, which should be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WY).
Issue: Other

Complaint: Kohls XXXX capital one ) Unlawfully reported a credit account # XXXX on XXXX that is NOT mine as social security numbers do NOT even match. Kohls XXXX capital one ) violated FCRA and state and federal laws and will be turned over to United States Attorney 's Office for criminal charges against Capital One and Kohls. As of today XXXX XXXX 2015 Kohls and Capital one owes me {$1500.00} for the FCRA volation and {$5000.00} for the punitive damages to my credit report and FICO score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My daughter was accepted to XXXX and I had to take out a Parent Plus Loan of about $ XXXX and may be co-signer for more. I did not expect to be approved as I had filed bankruptcy late 2011, but I did get approval and now it is difficult to repay the loan. I and my wife are XXXX years old and we have an XXXX adult child to care for. My child who graduated from XXXX also has even more student loan debt and not employed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I ca n't get ahold of experian I never agreed to a monthly credit monitoring and they have charged me XXXX for 6 months and I want my money back. I was misled by them. I thought my credit report was free. I was able to log in and cancel my membership. I do n't get a paper statement from my bank so I never checked it. I am so mad!!! 

Thank you XXXX Ohio

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 07/20/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have noticed a negative entry placed on my credit report from Credit Protection Association for a XXXX  account. I had correctly canceled XXXX and terminated my service with them back in the spring. After speaking with CPA, they informed me the debt is for unreturned equipment. this is false, the technician whom came to my house to install a different XXXX service took all my equipment. I called XXXX and they confirmed there is no debt owed, and that the collection assignment was an error. I have tried to communicate this to CPA but they are impossible to deal with and keep pointing the finger to XXXX, and XXXX is doing the same thing by saying it 's CPA 's fault and to contact them to cancel the account.

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 01/16/2018 about Mortgage (Other type of mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Modification granted ( All taxes and monies calculated ) XX/XX/XXXX- Caliber messed up escrow analaysis overcharged for payment XX/XX/XXXX- Escrow department issued a surplus credit ( {$370.00} ) XX/XX/XXXX- Escrow department states the account has a XXXX Called rep for Caliber on XX/XX/XXXX and asked why {$660.00} added to my XXXX payment and they stated in XXXX XXXX, they did an escrow analysis and I was short. So in XXXX I need to pay this mystery shortage. I asked for a supervisor because the associate was at this point not very helpful and I was told the supervisor was not available. I emailed a request for an explanation. The bank is unable to show me where this mysterious shortage came from

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery calls me 2 to 3 times a day even after I told them the case was dismissed in court and I asked them not to call me anymore. I was told they would keep calling me until it is resolved. 
It was a credit card debt and I went to court, it was dismissed XX/XX/2015 because I am XXXX and on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Mortgage (FHA mortgage) with SIERRA PACIFIC MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Sierra Pacific since XXXX XXXX. They have lost payments, misapplied payments and charged me late fees when they were n't due. I have called them and emailed them numerous times with NO response from anyone there and finally contacted the mortgage broker that handled my mortgage origination to see if he could help. He was assured by the company in his communication with them that the problems had been resolved but as of XXXX XXXX XXXX it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management contacted me at on XXXX/XXXX/2015 at XXXX to collect a debt owed by a XXXX XXXX. I was disconnected XXXX times this XXXX after requesting to speak with a manager or supervisor to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently applied for a business account with XXXX XXXX on XX/XX/XXXX for my business XXXX XXXXXXXX XXXX. 
I Provided business EIN, Business Phone, etc. Account was not approved, I was told I need to contact XXXX XXXX to provide additional information. I did not. 

A few days later on XX/XX/XXXX the account inquiry appears on my personal credit report. I called XXXX XXXX and they said they do not have anything associated with my personal. No personal account etc. I called Equifax the reporting agency they said XXXX XXXX definitely did it, otherwise they wouldn't have reported it. 

I spent 2 hours being transferred from department to department at XXXX XXXX. Finally speaking with the Executive Team ( XXXX ). XXXX said, XXXX XXXX could not assist me, it has nothing to do with them. She referred me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( Homebridge Financial Services ). We also have a new problem, because our mortgage was sold again in XXXX and our mortgage has been incorrect for three months and the new company ( XXXX Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to Homebridge to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to XXXX Mortgage. We have had to call for three months to get current amounts due corrected and this XXXX will be month four. Every time we talk to XXXX Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.

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 09/29/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I just received a XXXX XXXX that a negative collection was added to my credit files with credit agencies. I did not receive any indication about this alleged debt, no notice, rights to dispute, etc. I have no clue what this debt is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ANFI, a third party debt collector has placed an account for collection on my credit report. They claim that the original creditor was XXXX XXXX XXXX. The amount of the debt is reported to be {$550.00}. I have contacted them but have yet to be given any record of where the debt is coming from. I am and have been a customer of XXXX XXXX XXXX since about 2003 and to my knowledge do not owe them for any outstanding balance. I would like to receive a copy of an invoice, statement or bill showing me as the original debtor and some indication as to what the bill was for.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have noticed on my credit report that this company has pulled a copy of my credit file on several frequent occasion, stating that I have applied for services or credit with their company, which is totally a fabrication. I tried googling the company to get information to see or what they are affiliated with and I'm still confuse on who they are. 
On my XXXX credit report last year they have 3 inquiries with the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 
I have no new credit or applied for any news services with this company.

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 12-11-2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, my younger brother XXXX XXXX XXXX XXXX in a car accident. The car that he was his own XXXX XXXX. The car was on a lease that I co-signed on. After the accident, the insurances that were involved paid off the balance of the car except for the deductible. We together signed the lease in XX/XX/XXXX in XXXX TX. In XX/XX/XXXX had moved away to XXXX. After the accident, Honda did not update my address to the XXXX address and was still sending letters to XXXX. Hey knew my new address because they were calling me non-stop at first when they were trying to collect on the insurance money and I had told them that I had moved to XXXX and gave them my new address. After Honda got most of the money owed to them from the insurance companies involved in the accident, they sent a delinquency letter my old XXXX address asking for the deductible that was still owed to them. Of course I never received that letter since I had moved away from XXXX. Then after some time, they sent my account to a collections agency by the name of XXXX XXXX XXXX. On XXXX XXXX of XXXX, the collections agency reached out to and asked me to pay the balance of {$270.00} and offered to settle for {$160.00}. On XX/XX/XXXX I paid the settled amount with the understanding that this would be taken off my credit report. Please see the collection letter and well as the resolution letter attached below. Also please see XXXX report snapshot below showing I do n't have anything due in the collections portion of the credit report. But even after I have paid and settled with XXXX XXXX XXXX, XXXX XXXX XXXX chooses to report my account as charged off and failed to pay after the settlement that. Please also see my credit card statement attached showing the settlement payment being drafted on XX/XX/XXXX from my XXXX XXXX account. When I went to my bank and applied for a business line of credit I found out my credit score had taken a hit. Then when I looked on my credit report I found out Honda had reported my account as charged off even after they I paid and settled as best I could and they knew where I lived, When I called XXXX XXXX XXXX they told me that I still owe approximately {$110.00} dollars to be settled in full with them. This was news to me because no one including XXXX XXXX XXXX told me I still owed any money. Instead, they told me everything was taken care of. I am willing to pay the {$110.00} but XXXX XXXX XXXX said that even if I pay that amount, the charge-off status will remain on my account for historical purposes. So even under such tragic circumstances and for such a small amount when clearly they sent letters to the wrong address after knowing my current address, XXXX XXXX XXXX is unwilling to take the charge-off status off my credit report. And that is why today on XX/XX/XXXX I would like to file a dispute against them.

Company response to consumer: Closed with non-monetary relief