milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Payday loan () with CASHCALL, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a XXXX loan from Cash Call. In taking the loan I was never disclosed the accurate interest rate. I was thrown a bunch of percentages that at the moment did n't seem to make sense. When I asked them to clarify, he told me that " interest was higher than most loans but was n't too bad. '' That what I would want to do would be to " pay the loan off as soon as possible ''. I thought to myself well DUH! and how bad could the interest be. I asked if they would send paper work after the loan funded so I had an accurate description of the interest. They said yes and happily took my banking information. I never received paperwork and I have come to find that I am paying roughly XXXX per month as my payment and {$0.00} cents of that are going to principle. This cant fit in a box called fair lending. This is financial prison! They wont work with their customers and the harassment is relentless. I took off the ability for them to have ACH access to my back account and the calls have been non stop. The calls start XXXX days before the due date. On the due date last month and I logged XXXX calls to my home and cell in a XXXX hour period and into the evening. By far the worst experience I have ever had. The company seems to take pride in how they take advantage of their customers. They use no moral compass in how they navigate business. Whatever law they are operating under should be very closely looked at by the proper authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( stanislaus credit control and XXXX had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.

Company response to consumer: Closed
Consumer complaint received 02-02-2016 about Debt collection (Payday loan) with High Point Asset Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX started calling calling me last week after I applied for a loan online I do n't know the company I have no outstanding loans with anyone they claim that I have an outstanding loan from 2011 XXXX and XXXX witches a scam I have no outstanding loans with anyone they do have all my personal information including my social security and the only evidence they 've given me is made of letters from their end high points assets inc is the name of the company

Company response to consumer: Untimely response
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am unaware of the accounts that are listed on my credit report. I've contacted my lawyer to investigate the issue and come to find out that the accounts aren't mine. You can't continue to accuse me or force me to accept the accounts. If I know for sure that these aren't mine please stop accusing me please seriously. Now I'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I'm not someone who uses credit at no point I'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it's not removed I will take legal actions against each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Received multiple offers from Ditech ( who currently holds my mortgage ) for a re-fi at a lower rate. Called them and was approved, received papers, signed and returned. 

No word for several weeks. Contacted again and was told I was denied because there was a " business '' on the property, which was there when we re-financed through XXXX, which got passed on to XXXX XXXX XXXX XXXX XXXX, etc., and then wound up with Ditech. How can they turn me down as they hold the mortgage? I am currently at XXXX % and need a lower rate to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this bill about 2 years ago and it is showing on my XXXX file that it is still in collections and my XXXX file is correct showing that I paid it and is off my file. I tried calling revenue recovery to explain the situation, but they said that it is closed and that I would have to call XXXX to clear it with them. I called XXXX and they are asking me security questions that I have no idea about so they ca n't do anything for me but to fax a copy of my id and social security card and to explain the situation. I 've been having to deal with this for awhile now.

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 01-06-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: We filed a Complaint # XXXX with your office against Green Tree Servicing for harassment and Illegal debt collection practices in XXXX 2014 and you closed our case, and then the XXXX fined this company over XXXX XXXX dollars. We are confused as to how our case was closed when we have still taped recordings of the harassment, as well as, the improper and illegal collection practices they used. In addition, this company has now added double the debt to our credit reports and completely tarnished our credit. This company has now changed it 's name and is continuing their deceptive practices. We were denied a loan modification even after we were approved for the HOPE with XXXX XXXX our XXXX Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was with XXXX and that loaner only had to pay taxes and insurance. No payments were required from XXXX for over two years and house was written off. Then on XX/XX/2015 Green tree sent client a letter requesting payment of XXXX. Client is on social security XXXX and unable to make any payments after two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed this information and submitted a police report as well as evidenced by the attached. 
Equifax continues to report accounts that are not mine ( XXXX & XXXX ) and an inquiry I did not make. It has been long per their attached status update and nothing has been done. This willful non-compliance is causing me difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT XX/XX/XXXX 1. I received a letter from Equifax dated XX/XX/XXXX noting a new current address change had been made to my credit report ( see Page 1 ). I made no such new current address change. 
2. On XX/XX/XXXX I called Equifax and spoke with 5 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX and initiated a dispute regarding the unsolicited change in my current address to XXXX, XXXX, NV XXXX from XXXX XXXX XXXX, XXXX, SD XXXX  per Equifaxs TrustedID Premier Service ( see Page 2 ). My correct home address is XXXX XXXX XXXX, XXXX, SD XXXX ( see Page 1 showing address that the notice of change in address was sent to ). XXXX XXXX is the former address of another XXXX. Additionally, I sent a request to receive my Equifax Annual Credit Report on this date and have not as of yet received a hard copy of my credit report ( see Page 3 ). 
3. I received a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, noting that my current address was corrected to reflect XXXX, XXXX, SD XXXX ( see pages 4-6 ). 
4. On XX/XX/XXXX I logged on to Equifax, using Confirmation # XXXX, and noted that no correction had been made to my credit report. Due to my time constraints I logged off from Equifax and when I tried logging back on to dispute my credit report incorrect address I was locked out and I emailed Equifax and advised them of my problem ( see Page 7 ). 
5. On XX/XX/XXXX I received an email advising me to contact Equifax Consumer Services Team Member ( see Page 8 ). 
6. On XX/XX/XXXX I called Equifax and spoke with 3 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX but I was unable to satisfactorily resolve my issue without having to jump through additional hoops ( Equifax was ignoring their correspondence dated XX/XX/XXXX see pages 4-6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I was contacted by XXXX in an attempt to collect a debt on the behalf of Cash Central. I had no knowledge of ever taking a loan out from this company. XXXX Cash Central who stated that I received a loan from Cash Central on XX/XX/XXXX and never made payments. I told them that I have no knowledge of applying for a loan. They told me to file a police report for identity theft, which I did. I filed a report with XXXX XXXX Police Department and filled out the forms requested by Cash Central on XX/XX/XXXX. Never heard another word. On XX/XX/XXXX, I called to follow up with Cash Central and the dismissal of the debt. Was told that it would not be dismissed because I did not have enough evidence to support Identity Theft. They only communicate, so they say, through email. I have not received any hard copy statements or notification about collections. I know nothing of this loan, filed a police report and do not know what other steps to take. Cash Central just states that I owe them the money, which I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX XXXX XXXX XXXX a balance on my service I had with them because I canceled my service early. They turn the account over to a debt collection company which was XXXX XXXX, XXXX XXXX. They agreed to a settlement with me and I paid the full balance of the settlement. Three months later I received a notice of my credit report of a collection account on my credit report. it was from Sunrise Credit Service stating that I owe XXXX dollars on the same account from XXXX XXXX XXXX. I contacted Sunrise Credit Service and explained I had already settle and paid off the account and sent them a letter from XXXX XXXX stating that the account was paid off in full on XXXX/XXXX/2016. the company responded they refuse to acknowledge the fact I paid the account in full and they are still reporting this on my credit report. They are trying to get me to repay a debt that has already been paid. XXXX XXXX XXXX when I called them only refers me back to the debt collection company. I need CFPB to address as this is has had a detrimental effect on my credit rating and its inaccurate information.

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 09-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo offered a mortorium ( ability to skip XXXX payments without penalty ) due to our area being declared federal disaster area after major flooding. We were advised at the end of this time period we could modify if we were unable to make all payments at once. There was no written disclosure or agreement this was all done by phone. Previously XXXX 2013 our mortgage was modified due to medical /loss of income hardship which disqualified us for any additional assistance ( according to Wells Fargo ) which was never disclosed to us. We have been trying to work with Wells Fargo now for over a year and continuously being told to keep applying for a modification that our loan does not qualify for, in the meantime we were told we ca n't make payments and escalated to foreclosure. According to Wells Fargo the reasons for denial is that we make too much money, need to show a reduction of income, have been previously modified, and need to show proof of a hardship ( Which the hardship was the previous flood and now the acceptance of the mortorium ) After attempting at least four times for assitance we were finally advised to basically give up that our loan would never qualify for further assistance due to the previous modification. This was a deceptive act by our servicer because this information was never disclosed so we could make an informed decision about going through with the mortorium. We currently do not have a sale date and periodically contact our lender to see if other programs or help exist only to be told we do still do not qualify for assistance. We 've also been told that they will continue to advise us to apply because they cant refuse to offer, even knowing the outcome will be the same. This has given us false hope and allowed our deliquency to snowball. We escalated this issue internally with some other concerns about how they were initially attempting to contact us ( visiting our neighbors asking questions, ie.. if we still live here ) When we never stopped communication with them. I received a letter stating they did not find any violations and dismissed my complaint. ( see attachment ) We believe that we are victims of deception which was executed by no disclosure for the mortorium agreement and also a form of discrimination not being offered assitance due to having previous issues with our loan. We would like to move forward with this matter as a foreclosure hearing date has been set later this month. Wells Fargo needs to make this situation right and restore our loan and our faith in our loan servicer.

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 10/25/2017 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: Information belongs to someone else

Complaint: I already filed Fraud Report over year and half ago these bureaus XXXX and Experian I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct

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 02/15/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Resurgent Capital Services doing business by other alias ' such as LVNV Funding LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PYOD XXXX, XXXX XXXX XXXX, Resurgent Capital Services XXXX and XXXX XXXX XXXX continue to send me mailings on an account that is not mine. I have submitted a debt validation request to LVNV Funding and Resurgent Capital Services within the 30 days upon receipt of the notification. I have yet to see any of this documentation and continue to receive mailers. On XXXX XXXX, 2016, I contacted XXXX XXXX Bank and spoke with XXXX XXXX who verified that my previous account with them was in good standing. I would like the mailers to stop being sent to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Auto) with NELSON AND KENNARD (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection firm is Nelson & Kennard operating out of XXXX, CA. 

I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order. 

Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first. 

On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  XXXX  tax liens listed on each of my credit reports, dated  XXXX ,  XXXX ,  XXXX . I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from  XXXX  should be taken off my reports, if not all of them. But they still remain on my reports.     I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $  XXXX  of their products to do so, and have gotten no where in actually contacting a human to fix this error.     Please assist, thank you. I can share a screen shot from a  XXXX  report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Mortgage (Other mortgage) with Credit Plus Inc (VA).
Issue: Application, originator, mortgage broker

Complaint: I did n't tell this Mortgage company to run my credit report the Loan office officer name is XXXX This loan officer ran my credit not once but twice and I tried to call he wo n't answer the phone. 
I need these inquiry off my credit report it bringing down my score Please deleted these inquiry from XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation