milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received attempts to collect a debt that is not mine. Stellar Recovery Inc. is reporting a collection on my account on behalf of XXXX. I have never been an account holder at XXXX, I have never ordered any of their services, and I do not owe them any money. Attempts to dispute this collection have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WV).
Issue: Loan servicing, payments, escrow account

Complaint: I was in the process of refinancing and was asked by the lenders to provide pay-off documents. I was further informed that once pay-off documents had been received, I would not have to make the next two ( 2 ) mortgage payments or words to that effect. Later it was revealed that that was in correct and that I had to make XXXX 2016 mortgage payment. Partial payments were made after due date. FREEDOM Mortgage had reported to credit bureaus that account was 30 days late. This was no fault of mine for I was led to believe that I would not have to make XXXX 2016 payment, but proceeded to make payments. Based on this situation FREEDOM Mortgage emailed me stating that they asked the credit bureaus to remove this comment. As of XXXX XXXX, 2016, credit bureaus reports account as 30 days late. Received banking statement showing that one payment was received on XXXX XXXX, 2016, but not cashed until XXXX XXXX. Investigation revealed that the other payment ( {$700.00} ) still had not been cashed. Bank recommended to stop payment on {$700.00} and to contact FREEDOM Mortgage over the phone and make payment. This caused further delay in processing XX/XX/XXXX payment and I am being penalized. Lenders will not proceed with refinancing until this 30 days late is removed.

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 03/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I am refusing to pay the $ XXXX.I am requesting the the {$9.00} be reversed and credit to the account asap.I did n't know the check was fake or counterfuit.I am not paying the account ending in XXXX.I never received my check book wallet I ordered.I am unable to use the checks due to the account being closed and I did n't authorized TMOBILE TO G INTO MY go into account.I told them to stop all payments transactions.I told them to cancel all orders.I told them I did n't want to use my account anymore for payment.I am requesting these charges be reversed and brought to a XXXX balanced.Wells Fargo praticesare vert manipulative and deceiving.They ended my banking history over a conterfuit check ididnt write or deposit into my account.I did n't deposit that check into my account.A scam artist who I through was a real true private lender. 
I am requesting a full investigation into evil wicked unprofessional non sensitivity pratices of Wells Fargo.I am a very progressive law student who is very aggressive about corporation respecting and honoring their customers.I am going to give you 30 days to fix this very important matter.If it is n't fix.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.If I am on XXXX.I am requesting to be taken off immediately.This is a complete violation of the Fair Debt Collection Act and The Fair Debt Reporting Act.I will also be filing a complaint with the Federal Trade Commission.I am asking for the a internal investigation.

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 11/29/2016 about Payday loan () with Acceptance Solutions Group, INC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: On XX/XX/2016 Ohio Acceptance LLC ( XXXX ) on behalf of XXXX XXXX XXXX attempted to debit my checking account in the amount of {$260.00} as a final payment to the loan and this amount is incorrect and my payday is on the XXXX and XXXX of each month as myself and the bank can not figure out why Ohio Acceptance was trying to pull money off of ( XXXX ) debit cards at the same time. In addition to I have made 6 payments out of the 9 scheduled and should only have a remaining balance of XXXX according to the payment schedule. I called Ohio Acceptance LLC today and the gentlemen that I was transferred to was rude and when I asked why after 6 payments did I still owe more than what I borrowed he answered '' lady did n't you read your contract ''. I proceeded to tell him that this amount was not right and they need to fix but he kept insisting that I read my contract which enraged me so I hung up. I went to the back and the bank has put a restriction on my account until this issue can be resolved. Ohio acceptance LLC has no means for a borrower to see an itemized detail of the charges and payments that would justify the remaining balance of {$260.00}. And why are they in my account on XX/XX/XXXX when I am paid on XX/XX/XXXX?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX of 2017 I ordered a free copy of my credit report for Equifax, XXXX, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries Equifax 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX 3. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Money transfers (International money transfer) with XOOM CORPORATION (NY).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2015 I went online and entered the relevant information on XXXX to transfer XXXX {$500.00} to my sister 's account in XXXX. Up to today, XXXX XXXX, 2015, 23 days later, the funds have not been applied to the account and neither has it been returned to me. 
I sent the funds in time to arrive before XXXX XXXX to pay towards a mortgage that is in arrears. The non-payment of these funds has resulted in additional complications for the property that was placed on an auction list. Payment before XXXX XXXX ( when another mortgage payment came due ) was important in order to reduce the accrued debt to below 1 month. With the non-payment, an additional month has been placed on the outstanding amount removing the breathing room necessary to accumulate sufficient funds to bring it current. I am stressed, worried and presently scrambling to sell the property so as not to lose financially. 

I requested a refund on or about XXXX XXXX, with the aim of sending it through another money transfer system. They suggested that they would pay the fee to do this. Up to today I still have not received my refund. The last communication from XXXX which came in this week, XXXX saying that the funds were in the account but it is not. Just today the local XXXX affiliate/company contacted my sister asking what type of account does she have. She told them again and provided a screenshot of her account. 
XXXX 's service has been wholly unacceptable, unreliable and highly unfair to me, placing me into unnecessary difficulties. 

XXXX - XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX Company wrongfully overcharged me. I cancelled the policy and filed a complaint with the New York Department XXXX XXXX XXXX which is conducting an investigation. Due to the fact that I cancelled the policy, XXXX refuses to correct its error as a harassment tactic. It has hired Credit Collection Services ( CCS ) to harass me to pay money it knows I do n't owe. CCS has been informed that I dispute this alleged debt, but continues to harass me in violation of the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Problem when making payments

Complaint: XXXX XXXX, 2017 - I forgot my password on my account to log in. The only way to reset the password online is to have the account number. I receive e-statements that do not include the entire account number and was never provided any card for this line of credit, so I do not have access to the account number. 

I called customer service to assist me with resetting the account password. After validating my social, name, address, and phone number, I was told they would not assist me in resetting the password because my cell service provider did not support the short-form message type that they needed to have me validate. ( I use XXXX ). My options were to a ) contact XXXX and request that they change the policy on my account to allow for the texts from Wells Fargo, or b ) go into a branch location to validate my identity. 

I escalated to a manager, who provided me the same options again. I asked him how I can make a payment and access the information on my account without this and he directed me to the mortgage division. I DO N'T HAVE A MORTGAGE WITH WELLS FARGO. I let him know this is not in regards to a mortgage and he begins to backtrack. It became apparent that they did not even know what type of account I had. 

With all of the issues they have had recently with altering their member 's accounts fraudulently, I would very much like to be able to access my account. Apparently, the only way to do so is to travel a great distance to show up in person or negotiate my cell phone provider to change their company policies. My personal information is not enough to validate my identity, I have to rely on a 5 or 6 digit code to be text. Seems outrageous. 

I have the manager 's name - XXXX XXXX to contact. In the interim, I am trying to find my original paperwork from prior to when I went to 'paperless ' on the account to find an account number to reset my password on my own. The process does not make sense and is highly inconvenient to the consumer who is just trying to pay their bill on time.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit bureau is in violation of Metro 2 Compliance, also FCRA and FDCPA..

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 11-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XXXX/XXXX/XXXX, I upgraded my amex XXXX XXXX  card to an amex XXXX XXXX card for an upgrade offer ( offer code XXXX ) of XXXX bonus points after meeting XXXX} spend ( attached, XXXX offer ). I met the spending requirement during my first statement cycle ( attached, XXXX statement ). The terms of the offer ( attached, XXXX terms ) stated points will be awarded within 6-8 weeks of meeting the spending requirement. After not receiving the offer points after the 8 week deadline, I reached out to amex. A case was opened on XXXX XXXX XXXX ( case # XXXX ), with a resolution time of 6-8 weeks. After the 8th week, I again contacted amex for information on the resolution. I was told no decision was made and that another case will be opened. This second case was opened on XXXX XXXX, XXXX ( case # XXXX ) with a resolution time of 6-8 weeks. Almost one month has passed during this second case, and I am again told that Amex is waiting for the XXXX department to award the points.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I work for a franchise. I received an message from a franchise with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX we completed a Deed in Lieu on a rental property. We had submitted all the required documents and was paid cash for key. We received a document dated XX/XX/XXXX Deficiency Waiver Agreement. When Green Tree transferred to Ditech we started receiving calls that we were late. I was informed that 3 months after we completed the paper work they went to record the deed and the property had been sold in a tax sale. As of XX/XX/XXXX we started receiving notices from XXXX XXXX XXXX XXXX XXXX about foreclosure. I have made every attempt to resolve this with both the Attorney and Mortgage Company with no resolve

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: Hello ; I have been at odds for the last two years with all three credit reporting groups ; Experian ; XXXX XXXX ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted Equifax several times since XXXX XXXX, XXXX because I am unable to access my credit report online. Since the database break in I 've also not been able to access my report through third party monitoring services. Each time Equifax claims they have no problems on their end and that I and the third party monitoring services are the problem. I had this same problem in XXXX and had to have you all contact them to resolve the matter. The issue is present again and as they did in XXXX, they are giving me the runaround. I need to apply to refinance my mortgage shortly. This is a huge impediment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, EQUIFAX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.

Company response to consumer: Closed with explanation