milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2016 about Credit reporting () with Innovis (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, XXXX and Innovis.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (I do not know) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATEXXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 08/30/2015 about Student loan (Non-federal student loan) with AES/PHEAA (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Long story short when I was in the military I took out a private student loan from XXXX XXXX XXXX. After I got out of the military in XXXX XXXX, I graduated college that XXXX XXXX. Some time between XXXX and XXXX my loan is being serviced by American Education Services. After I got out of the XXXX I got a job and was struggling to make my payment of {$320.00}. The intial loan amount was {$30000.00} with Interest I owe {$42000.00}. In the last 3 years I have paid over {$7000.00} in interest and only {$3500.00} in principle. The interest rate is at 5.83 %. So lets fast forward to XXXX XXXX, XXXX right now I am unemployed, I am 100 % XXXX with service connected through the VA. I am back in school doing XXXX credit hours using my post XXXX XXXX XXXX. I am married with XXXX kids XXXX of the children I pay {$1000.00} a month in child support. Also in the mean time my wife and I are trying to start a business so all her time is spent raising a XXXX year old and office management stuff to find customers for our XXXX business. Finally I have had enough and I called XXXX XXXX XXXX, I was told they no longer do student loans and they ca n't help me with my private loan in restructuring it. They said technically AES owns the loan and they can do it. I called AES and talked to a supervisor named XXXX she told me the same thing I have heard over the last 3 years XXXX XXXX XXXX only allows 2 month forbearance that is it. After threatening to call and write anyone and everyone that could help me handle the situation XXXX said that they would forbear it for 60 months while I am in school. She sent me the paper work and it only says forbearance for 2 months. I am at my wit end and do n't know what I can do to get help besides start writing and calling everyone to get help. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was approved through a program called XXXX program that grant or dissolve student loan debt if you are XXXX. I was approved on XX/XX/2014. So, they sent a XXXX to file for the debt but I also file bankruptcy in the same month. Now since I disputed my concerns with Department of Education/Nelnet they are putting negative information on my credit report because I have received several credit alerts were they are saying I am 120 days late. They should been paid through the XXXX program but now they are sending negative remarks to my credit report. I would like to have this investigated and if they are wrong I would like to have all Nelnet accounts deleted from my credit report immediately. I received a total of XXXX credit alerts in 4 days about this company. They are trying to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX debt collection companies, XXXX Portfolio Recovery Assoc, LLC Failed to notify credit report agencies as promised, once the Judgement was satisfied XXXX just shuttled me between operators. promising and address to send pertinent information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan with AES/National Collegiate trust was closed as derogotory and collection account was opened with XXXX, XXXX, XXXX for the same debt. The debt has since been settled in full but I am being XXXX-dinged for the same debt by XXXX parties. IF the debt was sold by NCT then they should have now right to the debt and the closed account should not be reported because the new account with the collector is valid as they would hold the rights to collect. If NCT owns the debt and Hired XXXX to collect then XXXX should remove their collection account from my report as they dont have rights to the debt only NCT does. XXXX-dinging a persons credit report is unethical and a gross misstatement of defaults on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been subjected to high feed/rates since inception with XXXX ( now known as Navient ). I have also been declined all and/Or options to lower rate based on financial circumstances. I was also illegally reported late to credit agencies even though I was opted in their repayment program which was higher than fixed amount b

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have 2 loan servicing companies XXXX and XXXX XXXX stating I owe loan. I contact XXXX and they insist that I owed them a {$4000.00} loan. I have never made any payment to XXXX. XXXX  states I have made 4 payments that I never have. I have reached out to University of XXXX XXXX and there is only 1 loan. I have been making payment to XXXX XXXX since 2013 only to find out they never sent any funds to the University of XXXX XXXX. XXXX XXXX has put a charge off on my account and refuses to address the funds they owe me. Both companies XXXX and XXXX XXXX are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of XXXX XXXX. XXXX is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to XXXX XXXX. XXXX XXXX say the loan has always been with them. The credit reporting company Trans Union is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of XXXX XXXX neither companies have presented that loan lnumber.

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 11-08-2017 about Debt collection (Mortgage debt) with Collins & Hilton Asset Group, LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collins Asset Group has been sending info to someone with my same name. They sent her a certified letter XXXX/XXXX/XXXX and she tracked me down and sent me a copy of it. 
The letter claims that I owe XXXX XXXX XXXX for 2nd mortgage taken out in XXXX. That mortgage was paid off when I refinanced with XXXX XXXX so STOP TRYING TO SCAM PEOPLE! 

Even if it was owed - they are outside of the statute of limitations on collecting on a written contract! BUT IT 'S NOT OWED! I do n't even own that house and have n't in 7 years. 


Reference # on letter XXXX Collins Asset Group LLC XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!

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 09/29/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Closing on a mortgage

Complaint: I closed on the house I currently reside in with assistance by US Bank and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I was not informed that property taxes would not be included in the mortgage payment. I was notified by the State of AZ county assessor office of taxes owed on the house in XXXX XXXX. I believe this was unjust and now I am having difficulties paying the property taxes every year. If I had been informed that property taxed would not be included, I would have processed the purchasing the house a little more.

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 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wages are being garnished for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my Wells Fargo mortgage online. My bank account information is stored in their computer. I made the XXXX 2016 payment as I had always done. When I went to make my XXXX payment there was a red notice that I had not made my XXXX payment. I checked my bank statement and it had not been deducted. I checked my payment calendar and I had marked it as paid. Further investigation on the Wells Fargo site showed that I had made the payment on the XXXX, but it had been rejected on the XXXX. 

I paid the XXXX and XXXX payment online using the same drop down stored account and it went through. I wrote to Wells Fargo. Their investigation found that I had made a payment from an account ending with XXXX and not with the account ending in XXXX, the account they have on record and the one I use to make my payment. 

The XXXX seemed familiar, but I could n't find it anywhere. I finally realized the last XXXX digits of the account I use to pay the mortgage with is XXXX. Somehow their computer truncated the last number of the account and it was refused by my bank. 

As a consequence, I was assessed a late fee and the " late payment '' was reported to the credit agencies which knocked my XXXX score by XXXX points. Wells Fargo did n't have the courtesy to notify me that the payment had been refused. 

Although I realized the origin of the XXXX after receiving their letter, I was struck by their unwillingness to make some adjustment. I had attempted to make the payment, as can be seen by their records. In an earlier letter to me, too late to avoid reporting to the credit agency, they advised me as to what I could do to prevent foreclosure. I was outraged that they would n't contact me first to find why the payment was n't made. I overlooked a payment a couple times in the past, but was never more than a few days late. This was the first time in 16 years this had happened. I feel this was callous disregard for me as a customer.

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 01/24/2018 about Debt collection (Medical debt) with Credit Bureau of Carbon County (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had my wages garnished for medical bills and the garnishment was complete and paid in full. I received a letter stating my garnishment was fulfilled and there was another two bills that came in and were added on for XXXX. I called the company to make payment arrangements and they have now added on XXXX court costs and XXXX court costs. I cant afford to pay these outrageous fees added on. They are also telling me I have to pay XXXX a month until it is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Filed ChXXXX bankruptcy in XX/XX/XXXX, included was XXXX XXXX XXXX XXXX XXXX XXXX, KY. My ChXXXX was completed and the federal court discharged the bankruptcy in XX/XX/XXXX. Over the last two years since the discharge, XXXX XXXX XXXX has continue to disobey federal bankruptcy laws and continue to change information at the their bank without my knowing to report to the credit bureau showing that the bank was n't included in the bankruptcy or to change dates, amounts and terms to hinder my credit. They have currently reported ( XX/XX/XXXX ) to credit bureau a new duplicate account showing that the original account is active since the actual discharge date of the bankruptcy I 've talked to many employees at the bank over the years, I 've even hand delivered bankruptcy papers and talked to mangers at the bank but they continue to report false information to the credit bureau. This is a horrible situation that me and my family are dealing with, we cant get a home loan due to XXXX XXXX XXXX  reporting false information. I 'm worrying myself XXXX over this and even had to see a doctor about my XXXX. I hope that you all can help me and my family. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I contacted Capital One Auto Finance on Monday, XXXX XXXX, XXXX to inform them of an extended financial hardship due to the recent disaster called XXXX XXXX. I am currently on a payment plan and have a payment scheduled to be debited on XXXX XXXX, XXXX. I called Capital One Auto Finance to seek further assistance due to my inability to work which affected my financial circumstances as a direct aftermath from XXXX XXXX. The representative advised that I would owe {$860.00} on the scheduled draft date or be subject to escalation measures which includes repossession of the vehicle. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has declared the areas where I live and work as disaster zones which creditors are made aware of. Being that I will not receive compensation to meet the demands of Capital One Auto Finance in less than a week, I am afraid to loose possession of my vehicle which helps me to transport to and from school and work daily. I have been working hard to maintain the original loan agreement even though my current pay rate is 60 % less than what I earned at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid through my insurance and the balance with my debit card. The original creditor did not inform me thst i had a balance because i used my insurance for medical visits..so now i have various collections for small amounts..dropping my score tremendously i paid the balance anyway..and assured me that they will not report it to the credit bureau..i was lied to and comoletely mislead..please help!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In early XX/XX/XXXXI mobile deposited three checks into my checking account at Wells Fargo. Two were from an individual, XXXX XXXX, for {$410.00} and {$340.00}. The other was for {$30.00} from XXXX XXXX XXXX XXXX ( which is XXXX XXXX credit card operation ). The checks never showed up in my account. The weekend of XX/XX/XXXXI called Wells Fargo to ask why they never showed up. They said they were not deposited correctly, so onXX/XX/XXXX I deposited them into a Wells Fargo ATM machine. The check from XXXX XXXX was rejected, and Wells Fargo charged me an {$11.00} returned check fee. When I asked why the fee, they said whoever wrote that check did not have enough money in his/her account and it was overdrawn ( which is absurd since it was XXXX XXXX ). XXXX XXXX XXXX then informed me that XXXX XXXX XXXX debited his checking account twice for the exact same checks, once on XX/XX/XXXX and again on XX/XX/XXXX. He sent me a text showing the two debits.

I contacted Wells Fargo again on Sunday XX/XX/XXXX and explained ( over the course of an hour ) that obviously the three checks had been processed in XX/XX/XXXXeven though they were never credited to my account. Wells Fargo said they would investigate and get back to me.

In the meantime on XX/XX/XXXX I called XXXX XXXX to ask why the {$30.00} deposit made on XX/XX/XXXX had been rejected. XXXX XXXX said it was because it had already been processed onXX/XX/XXXX. XXXX XXXX   got Wells Fargo on the phone with us to explain, but the Wells Fargo rep was clueless and had no idea what to do.

Today, onXX/XX/XXXX, I got a call back from Wells Fargo. Today they said I had to call XXXX XXXX   to get them to them to reissue the check, which they won't do because it was already paid once ( even though I never got the {$30.00} ). XXXX XXXX is sending me proof in the mail. Wells also said that the two checks to XXXX XXXX had been deposited into an ATM machine in XX/XX/XXXX. This is also absurd because the checks were not even written until mid-XX/XX/XXXX. I did deposit one check from this same individual in an ATM onXX/XX/XXXX, for {$340.00}, but it was a different check. It was check no. XXXX. The XX/XX/XXXX check was XXXX. So obviously Wells Fargo did not even bother to look at the check to see they were two different checks.

At this point, Wells Fargo still refuses to rectify the situation or admit it did anything wrong. I am out {$30.00} from XXXX XXXX  and XXXX XXXX. is out {$750.00} because his two checks were paid twice ( although I was only paid once ). I wonder how many other people made mobile deposits that were never credited to their account. Is this another " scandal '' waiting to break open at Wells Fargo?

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