milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: My credit report and credit score has suffered adversely because of the Equifax Data Breach in XXXX XXXX XXXX and then again in XXXX XXXX. I have over ONE HUNDRED UNAUTHORIZED INQUIRIES and Collections ( XXXX XXXX XXXXt was a public record that was deleted ( default judgement ) now back on as collection account again without Five day notice to reinsert ) on my credit report in which I have disputed Several times at the same time this breach was happening XXXX XXXX XXXX XXXX XXXX ) in which the results were " inquiries are factual record ''. Of course they 're factual if someone HACKS Equifax DATA System with all of their CONSUMERS INFORMATION!!!. I have also spoken to 3 Customer service reps XXXX on XXXX/XXXX/XXXX ( XXXX 1 hr ) who said she would start a dispute but did n't, called again on XXXX/XXXX/XXXX XXXX pm XXXX US ( Nevada ) # XXXX who supposedly started one but ca n't find information in system. Last and FINAL time talked to XXXX XXXX/XXXX/XXXX ( XXXX XXXX XXXX who said she would start one # XXXX not sure if that 's the right number, but ca n't be found in system.I am so frustrated and disappointed by EQUIFAX RESPONSE, It seems they DO N'T care about ruining CONSUMERS CREDIT. 
I WANT THESE UNAUTHORIZED INQUIRIES AND COLLECTIONS REMOVED IMMEDIATELY AND NOT 30 DAYS as I have already started this process 3 Times!!! 
If a Identity Report is required how do I go about filing one against EQUIFAX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Non-federal student loan) with First Associates Loan Servicing LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS.

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 05/24/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it was  Jefferson  capital which I received no notice what so ever via mail. Which violated my rights to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX / XXXX / 16  I logged into m y Wells Fargo Home Mortgage  account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and  XXXX   XXXX  I noticed at the beginning of  XXXX   Wells Fargo star ted reporting to the credit bureaus that my payment was delinquent. I immediately called  Wells Fargo to  determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. Howev er, Wells Fargo will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint t o Wells Fargo and it went denied. I believe Wells Fargo is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a Wells Fargo customer for o ver 10 years.

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 04-01-2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt has been disputed ( through the credit bureaus ) due to amount in question is inflated. Plus verification of debt was never sent so collection of debt is illegal. Plus this debt is time barred under Fla Debt Collection Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (FHA mortgage) with Goshen Mortgage LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We put our house up for short sale, it has been up for sometime. We received a solid offer based the comps in the area. Investors want an offer of {$120000.00}, which is unrealistic. When I asked if the comps were reviewed I was told not really. They refuse to stop the sheriff sale

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CT).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/XXXX I used my XXXX Prepaid XXXX to rent a car from XXXX XXXX XXXX in XXXX, XXXX XXXX. On that day, a pending transaction in the amount of {$960.00} was put on my card without any warning. The car was returned the next day and payment was deducted from the same card. 

I have spoken twice with XXXX Prepaid, and they requested that documentation supporting the release of the transaction be sent to XXXXXXXXXXXX. 

XXXX has sent the requested documentation yet I received word today that the documentation was unacceptable. XXXX has said that it has done all it can and that it is now down to me to resolve this issue with PayPal/Netspend. 

I am a retired XXXX trying to live in XXXX XXXX on a fixed income. As of this morning I have a little over {$11.00} for groceries to last until I receive my next social security payment on XX/XX/XXXX. Having nearly {$1000.00} held back from me for two weeks is a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Consumer Loan (Installment loan) with Argon Credit (AL).
Issue: Taking out the loan or lease

Complaint: I applied and was preapproved. Sent all my documents got a response I would have an amount and final approval within XXXX hours. XXXX days later I received an email saying I was approved for {$10000.00} and they forwarded me the loan documents to sign. I signed the loan agreement and called the next morning asking when the loan would fund. I was told it would fund that night which was wensday night. I then received an email that I was declined. No explanation. I thought this was a mistake so I called and spoke to a supervisor and he said when the loan was ready to fund the software kicked it out. I could apply in a few months. He then asked me how much money I make, I told him I am paid weekly and monthly. At that point I figured not all of my correct income was entered, because I make exactly what I stated and faxed in. I think the issue was they entered my weekly pay but my monthly is XXXX as much. I called back to speek to someone and was suppose to get a returned call and once again no call. I emailed again once again no reply- I feel like if you tell someone XXXX hours and take a week - then tell them they are approved- then have them sign the loan agreement- then tell them they will find that night. Then you simply send them and email saying you went from approved to declined when nothing changed and everything was accurate. They deserve atleast a returned phone call after they wasted XXXX days waiting and doing everything that was asked. Most importantly I do n't feel like a business should ignore there customers! I am wondering if it is a legitimate company or not now that they have all of my information!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with Orions Management Group, LLC (NC).
Issue: Delinquent account

Complaint: An outstanding debt I owe to XXXX has recently been purchased by Orions Management Group, LLC. I received a call ( voice mail ) from someone at that organization on XX/XX/2017 - the person did not identify himself, but said it was urgent and that I needed to return his call same day. Later that afternoon, I received another call at work - again the same person did not identify the company he represented or state what the matter was about ; he left a voice mail stating that the message was for MY BOSS and asked him to have me return the call. First of all, this debt was incurred before I worked for my current boss. I do n't know how he got his name, but the fact that he called me at WORK and left a message for my BOSS infuriates me. I called back a little later and got the person 's voice mail. I told him to not ever call me at work or to call my boss trying to reach me ; I would report him to the Consumer Finance Protection Agency. He called me back while I was at an appointment and left a condescending, sarcastic message, stating he did n't know what message I was trying to convey and that he really did n't understand much of what I was saying. It was not a very nice message. Then, I received a letter in the mail SAME DAY regarding the debt. So the calls preceded the letter. I would not have minded just receiving the letter, but I feel the calls and voice mails were threatening and harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this concenrs people 's united bank in XXXX, Connecticut. The person it involves is my husband who tried reason with them but they feel they are always right. I have not used the account in question since XXXX or even earlier. The matter involves the banks paying online service where it keeps drawing money from the account adding up fees ad then drawing from the reserve account the banks sets up. the bank was told several times to stop having autoimatic pay by phone from drawing on the account.the account was a joint account and since my name with out my knowing was placed first on the account i am the one they are holding responsible for something I did not do.This matter i can say is over nine years old.There is no reasoning with them. I have read that there might be a class action suit against the bank for this reason for charging fees to its customers from auto drawing from its pay by phone ad refusing to pay this. I am not the person responsible for what ever debt is owed. XXXX XXXX XXXX XXXX is  calling two ad three times a day. They called a XXXXXXXX XXXX. this morning. tried to talk to a spanish women who gave me a hard time.here is there numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Deposits and withdrawals

Complaint: I opened a paypal account in XXXX 2016 and my account has always bee in good standing. I sold items on eBay and the payments were made via PayPal. Despite the fact that all the items sold have been received by the buyers, PayPal is withholding over {$3700.00} worth of payments. Paypal claims that they will hold funds from all transactions for 21 days until the following criteria are met : 1. Complete XXXX successful sales. 
2.Receive at least {$500.00} in payments for goods. 
3. Be a PayPal account holder in good standing for at least 60 days I have completed over XXXX successful sales. I have received at least {$500.00} in payments for goods. I have been a PayPal account holder in good standing since the beginning of XXXX 2016. I called PayPal and explained that I meet and exceed all their requirements and the representative was unwilling to help and continued to make false claims as to why paypal would not comply with their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My identity was stolen in  XXXX   XXXX . It was not apparent to me that  XXXX  had been opened in my name until  XXXX   XXXX  when I was contacted by a debt collector. This same person has previously attempted to buy a car in my name from  XXXX   XXXX   XXXX  in  XXXX   XXXX . I filed a police report on her the day after she did so. After seeing the inquiry on my credit report I contacted the dealership to get all her contact information. I do not know this pers on (   XXXX   XXXX   XXXX   XXXX   XXXX  aka  XXXX   XXXX  ) and never gave consent to receive any services in my name.   I made  XXXX   XXXX   XXXX  aware of this and received no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The interest on the loan should have been lower because of the autodraft from checking account which should have resulted in a lower balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from DEBT RECOVERY SOL. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against DEBT RECOVERY SOL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with Credit Karma, Inc. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Late XX/XX/XXXX I was checking my credit often and my score would slowly be going up although I really do n't have much good or bad. I went to XXXX in XX/XX/XXXX and when I got out I had multiple more hard checks and credit karma would n't even tell me my score. Also I have a delinquent account on there that say it was closed in XX/XX/XXXX. They do n't even have info right. XXXX I signed up for a pre paid card and they never sent it. I asked again once I did n't receive it then they hard checked my account again! Annual credit report would n't give my score online they wanted to mail it. I think I 'm being done wrong if they do n't even trust online. I 'm not sure something 's up and its hurting my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I realized that Experian placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XXXX XXXX, XXXX, the XXXX XXXX XXXX account was updated. On XXXX XXXX, XXXX, I contacted Experian regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that Experian is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called Experian back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''

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 02-01-2018 about Mortgage (Other type of mortgage) with AMERICAN ADVISORS GROUP (AZ).
Issue: Applying for a mortgage

Complaint: I received a mailing stating I may be eligible for a reverse mortgage & called AAG. On XX/XX/XXXX I spoke to a XXXX XXXX & he said he would research it for me. He called me back that day & said I would not be eligible. I thanked him for his time and concluded our call. On XX/XX/XXXX I received a gigantic over night package from XXXX XXXX with AAG with numerous papers to included an agreement pertaining to out agreement for a refinance. I did NOT make any arrangement or agreement with this company. Since they did a credit check on me I already have a ding on my credit & I am suspicious that they are trying to do something to which I did not consent to. Please advise me. 

Thank you so very much, XXXX 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 10/28/2017 about Debt collection (Other debt) with EQUIFAX, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by Equifax that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. Equifax assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.

Company response to consumer: Closed with explanation