milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with TAMMAC HOLDINGS CORP (MD).
Issue: Problem with the payoff process at the end of the loan

Complaint: Tammac Holdings Corp was paying  XXXX  a month for  XXXX  year loan  XXXX  payments starting  XXXX  for a  XXXX  dollar mobile home.   struggled in  XXXX  so they were able to lower to  XXXX  a month with modification loan.   I email them in  XXXX  to find out when loan will be paid off and Tammac said you have  XXXX  left but with  XXXX  payments left at  XXXX  a month. So now loan has another  XXXX  years just for knocking down payment  XXXX  a month at  XXXX  from  XXXX . Its a loan modification And was to be paid off in year  XXXX . So they are saying  XXXX  payments left and that adds up to year  XXXX  roughly. So i am paying  XXXX  in interest which is completely insane or even  XXXX  in interest. All of this just to modify home for a lower payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I just received a phone call from  Wells Farg o. This is in violation of Bankruptcy law.   At   XXXX   XXXX  ., I received a phone call from this phone number :  XXXX . A woman, who initially did not identify herself as from  Wells Fargo , asked to speak with  XXXX   XXXX . I replied affirmatively that this is  XXXX   XXXX . She then identified herself as being with  Wells Fargo . I was shocked. I said that I am in active Bankruptcy, and that  Wells Fargo  is not supposed to contact me. She replied, Yes I know, that she understand s ( i. e., the Consumer Law ), but that they (  Wells Fargo ) have a right to contact me to respond to a complaint I filed to the Consume r Protection Bureau. She also notified me that the line was being recorded. She wanted stated her name, and said she wanted to give me her contact information.   I said that I have requested that  Wells Fargo co ntact me via written correspondence only. At that point, I asked her name. She stated,  XXXX   XXXX   XXXX ,  Resolutions Specialist. I asked her what the status is of Consumer Protection Bureau  complaint ( on  XXXX   XXXX , I demanded tha t Wells Fargo  halt active foreclosure proceedings ).  XXXX   XXXX  stated that she did not have an update, and did not know the status. She stated that she needed to research it.  XXXX   XXXX  stated she was contacting me to provide me with her direct contact information. I said that I do not want her contact information. I asked  XXXX   XXXX  to mail me a statement regarding the status of my complaint. She replied that she would.   End of conversation.

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 04/27/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that Equifax abides by the law and provide documentation or delete immediately. 

Account Name : XXXX XXXX 'S. Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX. Account Number : XXXX Account Name : XXXX XXXX. Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
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 contacted both   XXXX  ,  Lexis Nexis  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both  XXXX   Lexis Nexis , and  XXXX  that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the  USA?  This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Westlake Services, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This debt does n't belong to me I never rent a property with Westlake Financial. I request this account to be removed from my XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for a Chapter XXXX bankruptcy on XXXX/XXXX/16. I am looking to keep my home and have been waiting for US Bank ( my mortgagor ) to send me an re-affirmation letter for the loan. I have waited for this letter to no avail. On XXXX/XXXX/16, I went to bankruptcy court and emailed my MAP representative, XXXX XXXX and asked that I re-affirmation letter be sent to me She has never responded to my email and returned my phone calls a week after and she tells me that I have to get my attorney to type it up, have me sign it and submit to US Bank. I called US Bank today and was told by the bankruptcy department that there is no guarantee that they will send a letter and even if I request XXXX it will take XXXX6 weeks to send out a reaffirmation letter and if my bankruptcy discharges before I get it, my attorney would have to file a motion to reopen it. I asked that the call be escalated and speak with a Supervisor, I was asked why did I need a Supervisor and it is stupid to ask for a Supervisor and even stupider to want the call the escalated and stuck me on hold for seven minutes and then hung up on me. 

Does it really take XXXX6 weeks to send XXXX sheet of paper when the all the information is already received? The rude behavior of US Bank 's staff is atrocious and needs to be rectified. I do n't have the extra money to pay my attorney to reopen my should my bankruptcy discharge without my loan being reaffirmed and I lose my house.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently sent a letter to Transunion and XXXX asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel Transunion and XXXX to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Once again, this is a formal complaint against the INCONSISTENT & INACCURATE reporting of Fed Loan Servicing of my payment status! Fed Loan continues to report that my accounts " CURRENT payment status '' is LATE on XXXX & XXXX. Fed Loan is also reporting that my account is currently over " 180 days past due '' as remarks on my XXXX & XXXX personal credit reports. On XXXX, the payment status is " TRANSFERRED '' & there are no remarks as to the account being late. They are required by law to report 100 % accurate information but how accurate can the reporting be if there are inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business. I have sent numerous request to have this information corrected and continue to receive a soliloquy that does not address the LATE PAYMENT STATUS REPORTING. This is not disputing the payment history when they were servicing the loan. This is simply disputing the fact that they are reporting the " CURRENT PAYMENT STATUS AS LATE '' How can {$0.00} currently be LATE. It 's {$0.00}. Fed Loan have proved unwilling to correct their mistakes on these closed accounts. I am formerly requesting that this information be forwarded to the Senior President XXXX XXXX of Fed Loan Servicing for a thorough investigations ASAP since Vice President XXXX XXXX is reluctant to properly correct the INCONSISTENCIES & INACCURACIES across XXXX, XXXX & XXXX. The finger pointing has to cease and Fed Loan needs to hold itself accountable for the information they are reporting or i will be taking legal action. I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed Loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? Once again, this is not in regards to the historical payment history, this is in regards to the " CURRENT payment status '' being reported as LATE on XXXX & XXXX and over 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech is reporting a late mortgage on my credit report. I have never had a mortgage or any account for that matter with Ditech. I called them to resolve this issue and was told all I can do is dispute the account on credit. I asked to speak to a manager several times and was refused. This is holding up financial matters I wish to persue. I need this taken care of ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They lied and said that they would investigate but they are not they are just sending bills and still reporting false information on my credit report. Now a collection agency is writing me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (I do not know) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Progressive Management Systems continue to call on a debt that I never occurred in 2010. They say they are the holder for a debt for a payday loan that occurred in that year. I have mentioned that I did not obtain a payday loan during the time they specified. 

I have also told them three times now that I have had all past debts discharged in Federal Bankruptcy Court out of XXXX XXXX in 2010. They continue to harass me by calling my mobile phone multiple times. 

My bankruptcy lawyer was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE : XXXX FAX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Credit card) with Global Credit & Collection Corporation (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Unfortunately, I had lost all sources of income and fell behind on my bills. XXXX credit card in particular, XXXX bank unfortunately defaulted. During this time, I had applied for social security beneftis, and after the default, I was approved. Once my income was secured I called up the collection agency handling the account to resolve my debt. They had agreed to a settlement amount of {$2300.00} vs. the balance of about {$3100.00}. I still only receive $ XXXX month so I asked if I could pay what I could afford toward this settlement amount. They said I could, and I provided my account and routing number to establish a routine transaction. Six months later, I find out that they are not willing to honor the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've disputed multiple inquiries with Experian regarding   XXXX   XXXX   from from    XXXX   XXXX   XXXX    and   XXXX   XXXX   from   XXXX   XXXX   XXXX   as well.     Additionally I did not give   XXXX   XXXX   XXXX   authorization on   XXXX   XXXX   XXXX  . I was already a resident of the building that the credit inquiry came from.     There are also multiple abusive hard pulls from On-site  Manager  listed on my account from  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  .     Each time I 've disputed with Experian the response came back the same saying that they were in fact authorized inquiries. Their findings do not show actual requested inquires from myself but from third parties that I am not associated with.     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers rather they are hurting customers.

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 10-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other

Complaint: I opened a Capital One account in XXXX XXXX that had a {$300.00} credit limit. Due to recent layoffs at my former employer, I was unable to keep up with the monthly payments. However, in or around XXXX XXXX, I paid the account in full. Over the past year or so I have struggled to get in contact with Capital One regarding this account. It should have been removed almost a year ago but being that I initiated a dispute, it is not showing as being reported on XXXX/XXXX/XXXX which is extremely inaccurate. All I want is for this account to be removed from all XXXX credit reports like it should have been a year ago. It is affecting my credit in a negative manner and hindering me from getting other credit. It 's being reported inaccurately due to the updated reported date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data was breached and my information was obtained by someone besides me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Trouble during payment process

Complaint: On  XXXX / XXXX / 17  there was a balloon payment due on the mortgage. They never sent a statement telling what the balloon payment amount was. They refused the electronic payment from my bank on  XXXX / XXXX / 2017  but kept sending m bills.They had  XXXX  dollars of my money as unapplied cash. I have called them multiple times and they keep saying they have made a mistake but they never fix anything, They finally told me to pay the difference from the statement balance minus the  XXXX  dollars in unapplied cash to payoff the loan. I sent a cashiers check for {$2300.00}. That completes the balance of {$5300.00}. When I checked my account on line they have posted that payment as unapplied cash. They are sending me letters about late charges and threats against my credit and property. No matter how many times I call nothing gets resolved. I do not know what else to do. I do not want them taking my home because of their errors.     The company is NationStar Mortgage,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account that displays incorrect information due to identity theft. I submitted an Identity Theft Affidavit to have the information blocked and this has not happened and is negatively impacting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation