milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Forbearance / Workout plans

Complaint: When I opened my credit card account I maintained an impeccable record. I even got a car loan with the same bank and paid off the loan with no late payments. Unfortunately, I became unemployed and homeless and did not have an income to pay my card payments. The card was closed and the account balance more than doubled with fees. Now that I am employed again, I researched a contact number for the bank who issued the credit card and I called them to find out the balance and if I could make payment arrangements. I talked to a manager who said they would make a one time adjustment to the balance and they gave me the total. I asked if I paid the balance would they contact the credit agencies stating the account was paid in full. I was told, " Yes. '' I asked if they could send me a letter to that effect and they said they would. I received a letter shortly after thanking me for agreeing to pay the balance by such and such a date. At no time in our conversation on the phone did the manager ever mention a date I had to pay the account by nor did I agree to pay by a certain date. I was told on the phone that once I paid the balance they would wait 22 days to make sure the funds cleared then they would contact the credit bureaus saying the account was paid. Now the letter was stating I had roughly 10 days to pay the lowered amount agreed upon or the original balance would be back in force. I sacrificed my paycheck and made sure I had called them to pay over the phone thinkng I could use my debit card. After waiting an extended amount of time on hold, I finally got through to a representative who informed me they do n't take payments via debit cards ; it had to be a credit card or check by phone. I do n't use checks so I had to get the routing and account number in order to proceed. I got the information and called the bank back. Again, it was a long hold time before speaking with a representative. I gave her my information and the payment went through. A few days later, I received another letter from the same manager who I had been dealing with and the letter states, " Thank you for your recent payment .... We credited this amount to your Capital ONe account referenced above on XXXX XXXX, 2016. 

If you have nay questions, please give us a call. If a thrid-party agency is servicing your account, your call will be automatically routed to them. '' Sincerely, XXXX XXXX, Account Manager The letter shows I still have a balance on the account which is not what we agreed to. XXXX XXXX said over the phone he was reducing the balance and in his first letter to me he said that also. Now that he received the money requested - he is changing my account balance back to the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Budget Control Services, Inc. (CO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A debt collection company ( Budget Control Services , Inc ) continues to harass me and try to collect on a debt that is in dispute with my daughter 's dentist involving issues with our insurance company. 

I sent a cease communications letter via certified mail return receipt, that explained that their charges were in error and that I choose not to work with a third party collection agency. 

Today, I found out that BC Services placed derogatory & false information on my credit report and have continued collection efforts to include phone calls. 

I have copies of the cease communications letter they received, and certified mail receipt if needed. It was signed by " XXXX XXXX '' at their corporate office on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO XXXX on XXXX XXXX, 2017 ; 7 days after I received their threatening letter. 

I suffer from numerous ailments that are aggravated by XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, to name a few ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Payday loan () with WELLS FARGO & COMPANY (AK).
Issue: Received a loan I didn't apply for

Complaint: I was investigating the possibility of obtaining a loan for home improvement through ( XXXX ) your site and after submitting an inquiry I received a rejection notice. It also appeared on my credit report. I was only looking for the possibility of obtaining a loan and did not request one. Can you assist me in removing it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Federal student loan servicing) with Van Ru Credit Corporation (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: i WAS CONTACTED 6 MONTHS AGO BY VAN RU CREDIT CORP TO COLLECT ON A DEFAULTED STUDENT LOAN THROUGH XXXX XXXX. VAN RU HAD STARTED GARNISHING MY CHECK AND TOLD ME THAT IF I PAID XXXX A MONTH FOR 5 MONTHS THEY WOULD SUSPEND THE GARNISHMENT. i FULFILLED MY END OF THE AGREEMENT AND THEY ARE STILL GARNISHING MY WAGES. i HAVE CALLE DAND SPOKEN WITH REPS AND TWO SUPERVISORS ABOUT THE SITUATION. tHE FIRST TIME I WAS TOLD THAT IT TAKES 7-10 BUSINESS DAYS. i WAITED THE 7-10 BUSINESS DAYS AND CALLED BACK THEN I WAS TOLD THAT THEY HAD TO TALK TO XXXX XXXX IN ORDER TO SUSPEND THE GARNISHMENT. i WAITED ANOTHER WEEK ONLT TO BE TOLD THIS TIME THAT XXXX XXXX HAD NOT RESPONDED TO EMAILS. i CALLED BACK 3 DAYS LATER AND WAS TOLD THE SAME THING. MEANWHILE THEY ARE STILL GARNISHING MY CHECK.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, 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 03-03-2018 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: Personal information incorrect

Complaint: I have sent in a copy of my ID with the correct mailing address to Experian, XXXX   and XXXX and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NE).
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: My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX XXXX, NC 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 05-05-2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call from XXXX Solutions who was trying to collect a credit card debt from XXXX XXXX Bank XXXX {$1400.00} that they claim the principle balance is {$490.00} from XX/XX/2001, and the last payment was in XXXX XX/XX/2001. I told them this is over XXXX years ago and I am not familiar with this debt, and have no memory of the debt. In addition the name on the account was not accurate. The collector acknowledged the statute of limitations had expired, and that they do not report to the credit bureau, or file legal action, however, the debt is owed. I explained I have no recollection of the debt and do not contact me any further. They also were trying to initially collect on a duplicate bill, yet, admitted it was a duplicate bill.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 10/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Oportun Financial Corporation (CA).
Issue: Getting the loan

Complaint: In XXXX I opened a loan under loan ID : XXXX I made all my payments on time and about a month ago I got a message that I qualified for a new loan. I went online to apply and I was declined, then I received a letter stating I was declined because I had a current loan. 
If this is the case, I should not have been told I qualified yet to re-apply. On XXXX the XX/XX/XXXX I called to pay of my current loan early, at that time I was told if I pay it off over the phone and want a new loan, I will have to wait 7 days. I was okay with that.
However, now I am being told I have to wait 90 days because I applied and declined, but that was because I was told I qualified right then. If I had known, I had to wait 90 days I would have just let the payments continue instead of paying it off early.
I feel this is mis-information that now cost me a chance to get a new loan. I like the rates and company so I really wanted to get and can use another loan to help with bills. I just do n't understand why they told me I qualified when I did not and now because of that,
I am being told to wait 90 days after I was told 7 on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with ECMC Group, Inc. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Back in  XXXX  my loan was paid in full to  XXXX   XXXX , then in  XXXX  and  XXXX  receive mail that my loan is in default and have transfer to another servicer that they claim I sign off. But they ask me to send them a letter stating my loan has been paid in full, I did. During that time my taxes was garnish and was return back to me. Back in  XXXX  I file bankruptcy due to hardship hv been going through. I call the servicer to let them no my situation that am partial homeless and do n't have a place of my own and stay with different family and friends as allow, I even told them about the student loan have been paid in full, but the insist that I own them a balance, that   XXXX    XXXX  transfer my loan to them. Now my cousin that I was staying with back in  XXXX  told me that I hv mail from student loan. To my surprise my loan has been transfer to perform ant recovery, inc. I contact them and explain my situation but I was told that my servicer  EDUCATIONAL CREDIT MANAGEMENT CORP  IS THE NEW SERVICER. They gave me their phone number, I called them and let them know my situation and told them the loan has been paid in full. They gave me email address of  customerservise@ecmc.org . and  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX ,  XXXX , MN  XXXX . Isent them a brief letter of what am going through and that my loan has been paid in full. I call spoke to different people even spoke to supervisor that okay u will still try to pay them since I ca n't find my paid in full letter because of my homeless situation, I told them I have lost everything, all my document and personal belonging can not be found but instead of the loan servicer giving me problem, I will like to pay them again if they will delay my loan till I found good job. But they refuse that I have to go and work with the collection agency fo r 9month th en my loan will not be in default then they can work with me. I told the I will like to put my loan in defarement they refuse, I have exhurst everything to work with me bcos of my situation but they will not listen to me or even consider m y situation.. Loan servicer. EDUCATIONAL CREDIT MANAGEMENT CORP. My   XXXX     XXXX  loan number is   XXXX    XXXX . The lender fiscal address is  XXXX  south  XXXX   XXXX ,   XXXX     XXXX .  XXXX , MN,  XXXX . Phone number is  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 11-09-2017 about Debt collection (I do not know) with Kehoe Financial Group, LLC (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company - Kehoe Financial Group - is looking for somebody named XXXX XXXX. I am not XXXX nor have I ever known him. They called me from various numbers ( the last being XXXX ) and continued asking for him. Each time, I would tell them they have the wrong number and to stop calling me. On Friday XXXX XXXX 2017, I received a call from this company at XXXX PST lasting 6 second before it was disconnected. I received an immediate call back from their rep who was a man who was SURE he was right. He said I hung up on him and that was rude. At this point, this company had been calling me for quite a few weeks. I yelled at him, hung up, and called their corporate number. Once I called their corporate number, I was told that my outburst was recorded and they did n't tolerate that behavior. First of all, they never stated that my calls were being recorded prior to me calling their management. This is a breach of my privacy. Secondly - and most important - I 'm not actually the guy they 're looking for. The manager then told me that my number is listed in their system as 'wrong number ' yet they still continued to call. Her tune changed from being incredibly rude to realizing that she was just belittling somebody that has ZERO business with their company. She stated that she would put it on the do-not-call list, however, I 'm very skeptical that this group of incompetent people can successfully accomplish this basic task.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a Bank of America and XXXX Bank equity line account at is over XXXX XXXX XXXX and it should be remove for my account. Equifax refuse to remove this information from 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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Century First Credit Solutions (NY).
Issue: Fraud or scam

Complaint: I Did sign up with XXXX XXXX XXXX in 2015 for my debt settlement and they assure me that they will settle my two credit card acc but after two years now they did n't settle any acc rather they withdraw almost 19000 $ out of my trust acc from XXXX XXXX XXXX acc no XXXX without any work done. without a settlement and now when I ask them they said we will get a settlement but now I want my money back as they took all my money without doing any thing its total fraud. and they refuse to refund my money 1. I paid XXXX every month 2. FILE NO : -XXXX 3.Paid till now XXXX {$4.00} they withdraw XXXX out of my trust acc which was with XXXX acc no XXXX so by contract they will keep all money in trust acc till settlement done but they didnt do any settlement and took my money from XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am trying to get a tax lien removed from my credit report. This tax lien is on all XXXX of my credit reports. It is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My account shown on the attachment has been disputed numerous times over the last 7 years. Those investigations by the credit bureaus led to nothing being accomplished. The credit bureaus claim to have verified this information and do nothing about the fact that it is illegal, even if charges are NOT disputed, to charge 600-800 hundred dollars in fees on a disputed balance of less than XXXX. Now it has come time that the account be removed because of the amount of time that has elapsed and the credit bureaus are not enforcing the FCRA rules. As you can see on the attache ; the account clearly states that the account was OVER 90 days past due as of XX/XX/XXXX. The FCRA requires that the 'date of first deliquency '' be used to determine the removal date. The removal date should not be XX/XX/XXXX. It should beJuly or sooner based on their own information. It is also illegal to charge excessive fees and as you can see, the statement of XXXX XXXX is that these are disputed charges of less than XXXX. This credit report is from XX/XX/XXXX. Current credit reports show even higher amounts due that the excessive {$940.00} shown here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX I complained to the OCC & Dept of VA about the miscalculation of the escrow account that Wells Fargo Bank preformed. I continued this complaint and was told by XXXX XXXX of the OCC customer service dept in XXXX XXXX, that the information I had given was going help a lot of people. Unbeknownst to myself that Wells Fargo Bank entered into a secret agreement with the OCC for miscalculating the escrow accounts of all the HAMP, FHA HAMP & VA HAMP request. 

Wells did not did not correct the problem and as with my property that did not have a Wells Fargo Bank mortgage, was made to look as if it did with a forged Assignment of Deed of Trust created by XXXX XXXX XXXX head of Foreclosures attorney XXXX XXXX that moonlights as a Assistance Secretary for XXXX. 

Wells Fargo Bank admitted to not owning my loan, and the fact is Wells Fargo does not own any of the XXXX XXXX XXXX XXXX Bank ( XXXX ) that it was servicing. I complaint to the Dept of VA and HUD started a investigation on XXXX XXXX, XXXX were Wells was still acting as if they were the lender of the loan, as XXXX died on XXXX XXXX, XXXX without having a claim to the XXXX XXXX loans and this is part of XXXX 's % XXXX XXXX loss. 

The OCC just did not come to the understanding that Wells Fargo Bank was miscalculating the escrow accounts and as a former Wells Fargo Bank prime/government mortgage loan officer I knew how these calculations worked and knew that the insurance and taxes changed as the housing market collapsed.

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