milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.

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 11/23/2016 about Debt collection (I do not know) with Global Resolution Group, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unsolicited calls from : Global Resolution Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Fraudulent reporting of information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: APR or interest rate

Complaint: In XXXX 2016 I received a letter from American Express ( Amex ) indicating that beginning XXXX XXXX, 2016 the APR % rate would rise to 14.49 % for purchases going forward. I called the XXXX number listed on the letter to ask whether the increase would be to the Fed Gov't raising the interest rates and I was advised yes and I also asked if I would be able to negotiate the APR % at that time and I was further advised yes. I thought no more of it until XX/XX/XXXX when I received my statement to indicate the increase in the APR % rate and again I called the XXXX number and spoke to XXXX women in XXXX who were XXXX very rude and was advised I should seek " credit counseling and I would not be able to negotiate the APR % rate at that time ''. I then wrote to Senator XXXX in XXXX indicating my story and my phone calls and asking for his help. I did in turn copy Amex as well as XXXX XXXX of the Fed Reserve in XXXX, XXXX Just today I had another conversation with XXXX a supervisor in the XXXX I.D . # XXXX indicating that he would not negotiate with me at this time. I then asked if in the future I would be able to negotiate the interest rate and he further advised " no ''. Disgusted yes, most definitely because earlier in the day I spoke to an XXXX again in XXXX ( I did not get an ID # ) and he indicated he would give me XX/XX/XXXX APR % of {$54.00} as a credit. XXXX indicated that there WERE NO NOTES ON THIS CONVERSATION I HAD WITH XXXX THIS AM.!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, my attorney submitted all required documents to Carrington Mortgage for their review for a Short Sale. Carrington set the file up on Equator for processing. In XXXX, they demanded that a junior lienholder supply a payoff statement In 7 days, and it took us 8 days to get the document, so they reset the file. We submitted the file again, and they negotiated with us to submission for approval. While waiting for investor approval, we were informed that they had forgotten to put the file through a " waterfall '' process, and had to start over, in XX/XX/XXXX. After weeks of calling and getting unclear or contradicting answers, all documents were confirmed received in XXXX and we were told to wait 30 days, until the " waterfall '' was complete. On XX/XX/XXXX, we were told the " waterfall '' was complete, and that we could proceed with a short sale, but that the foreclosure sale date was 10 days away, and they would push that out to XX/XX/XXXX Today, they said that participating in the short sale was no longer " in their best interest '' and that they would let the property go to foreclosure on Friday, XX/XX/XXXX. Attached, however, is the Conditional Approval Letter they sent in XXXX, when they had first completed the waterfall process. They lied to us, strung us along, and dropped the file just close enough to the foreclosure date that we could not restart. This is a systemic issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: So recently I have checked my Bank Account and found out I have a negative balance worth over {$500.00} from Wells Fargo. I am furious of the fact that they have never mentioned me about the overdraft protection fee when I signed up for Wells Fargo Debit card back in XX/XX/XXXX. I feel as if I have been taken advantage of just because I was still young at the time and I did not understand the whole concept of financial responsibility. It turns out as I checked through my previous months record there was also an reoccurring overdraft fee XXXX {$35.00} XXXX. I assumed a Debit Card was a card where you can use it as long as you have money in it and if you do n't happen to have enough money it wont go through. I recently found out about a overdraft protection fee yesterday and heard it for the first time. As I added up the total overdraft fee from last couple months of XX/XX/XXXX to present day it is estimated to be over {$1000.00} which I have paid without knowing any prior knowledge about " overdraft '' fees and this is just from late XX/XX/XXXX through present day. I strongly believe there were cases before XX/XX/XXXX where they charged an overdraft fee and I want to know how much they have charged me and want all the money back. I do not have an income and plus I am still a student in college working at a part-time job that only pays {$280.00} bi-weekly. I am upset and furious as a customer of Wells Fargo knowing that I have not been notified about overdraft penalty and taking advantage of me just because I was a student and young at the time. I am requesting Wells Fargo to give me back all the money I have given them ( overdrafts ) this past few years since I was a member of Wells Fargo XXXX XX/XX/XXXX-present ). This is not fair and I have done research myself and Wells Fargo seems to be known for their overdraft " scheme '' to customers if I may say. I am a customer from a low income family, accepted loans for education, and have a part-time job that can not pay off the negative balance I have with me right now. Again, I am furious and upset as a customer of Wells Fargo and want them to return the money back to me regardless because I have not been notified about overdraft protection the day I signed up for a Debit Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Payday loan) with Bayview Investment Group LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a strange voice mail from a gentleman ( XXXX XXXX ) claiming he had " sealed '' documents to deliver to me and to make myself and a supervisor available between the hours of XXXX. 

I called the number back given in the voice mail ( XXXX ) and I was told no one worked at XXXX XXXX XXXX by that name. 

The rep on the phone they proceeded to ask me to confirm the last XXXX digits of my social. They already had it, but I refused to confirm or deny. Then they proceeded to tell me that I owed {$690.00} for a fictitious payday loan from XX/XX/XXXX. I stated I did not owe the money, but offered to meet at the police station to receive these " sealed '' documents that was stated in the voicemail. 

MIND YOU, THROUGHOUT ALL OF THIS, SINCE IT WAS OBVIOUS THEY WERE ATTEMPTING TO COLLECT A DEBT, WHETHER REAL OR FAKE, I WAS NEVER READ THE MINI-MIRANDA. I WAS NEVER ADVISED OF MY RIGHTS UNDER THE FDCPA. 

FUTHERMORE, I 'VE FOUND OUT THAT XXXX XXXX XXXX OR BAYVIEW INVESTMENTS IN NOT LICENSED TO DO BUSINESS IN THE STATE OF LOUISIANA, WHICH IS WHERE I RESIDE. 

Because I called numerous times trying to ascertain how they got my information, as a result, these people decided to harass me and submit a complaint to my employer that I was preventing them from doing business. 

I 'd like for some type of punishment to be doled out, because since I refused to fall for their scam, their threatening my livelihood by trying to embarrass me into paying. 

I 've already submitted a formal complaint and counterclaim with my corporate office detailing this but consumers should not have to be threatened AT THEIR WORK AND HAVE FALSE COMPLAINTS SUBMITTED, because they refused to fall for scams. 

I 'll attach a copy of the voice mail. Please note that as of today, XX/XX/XXXX I have yet to receive these sealed documents from any type of courier.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have dispute several items with Experian. Those items are for XXXX and XXXX XXXX XXXX. Each time they send a response saying the accounts disputed are verified however, they never attach proof of this verification with my results or my credit report. In addition, they do not attach information regarding how they verified the account and they are supposed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i got a collection letter from First National Collection Inc. They say i owe a debt from XXXX XXXX of {$240.00} from back in 2007. i have contacted XXXX and they have no record of me having an account with them. I contacted First National about the issue and both the people i spoke with were extremely rude. i explained to them that i had never had an account with XXXX XXXX and that i contacted XXXX and they have no record they told me that they wont because they sold the debt. I informed them that they would have record because the are obligated to. They reluctantly said that they will file a dispute and i was waiting on hold and than the supervisor hung up the phone on me. i called back and she said that there was nothing else and since i think i know everything that is why she hung up. when i asked for any info on the account all she gave me was the date when they bought it and the addresses they had on file and wouldnt give me any other info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. XXXX is the debt collector and Citibank was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In the latter part of the month of XXXX my capital one credit cards were restricted ... .On XX/XX/XXXX Capital One informed me that they needed identification verification from the authorized users that were on my account ... On XX/XX/XXXX I submitted the documentation to them via an email link that they sent me ... After waiting for 2 weeks with no response I contacted them and they informed me that they needed me to resubmit the information so on XX/XX/XXXX I resubmitted the information once again ... After about a week they followed up and stated that they needed identity verification from the first authorized users I had on my account from XX/XX/XXXX which is over a year ago ... I advised them that I no longer had that ingormation, had they notified me when I first added them or shortly after I would have gladly submitted the information ... Since then I 've heard nothing from Capital One ... I have sent them 2 certified letters and they have yet to respond ... I also emailed the CEO and he failed to respond as well ... My cards has been blocked for over four months, and I have great credit ... I 've had several accounts with capital one and they 've all been in excellent standing.. No over the limit, no missed payments or late payments ... I 've been an exceptional consumer and the treatment that I 'm receiving is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (LA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I attended XXXX XXXX XXXX around XX/XX/XXXX. During that time I was enrolled in the XXXX program. At the time I did not realize I was not given the option to decline the Peaks private loan or use all my Federal loans before taking out a private loan. The loan they had me sign for was original {$6800.00} and currently XXXX. After I attending for about a year I realized I made mistake and decided to drop my classes. Around the time I decided to drop my classes I signed for the Peaks private Loan. So I called to have the loan cancelled. At that time First Associate was servicing the loan, and I was told the school will cancel the loan and return monies. However, that did not happen. I decided to sue over loan in XX/XX/XXXX. However, I lost my case. Last year, I learned that XXXX was found guilty of predatory lending and unethical business practices which resulted in them closing all their institutions. I am requesting that this loan be dismiss due to the nature of its circumstances, that reporting be removed from my credit report, and my money return to me that I paid over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2015 about Consumer Loan (Installment loan) with Opportunity Financial, LLC (IL).
Issue: Taking out the loan or lease

Complaint: My employer made a huge error with my paycheck and I needed funding to assist in a move to a condo. I applied for a loan with Opportunity Financial. Within minutes of completing the process that evening, I began to receive MULTIPLE phone calls from their offices, including into the next day while I was at work, teaching. This was very disruptive and during lunch, I called them and explained that the repetitive calls were unnecessary. As I did not yet have a paycheck stub to send, they closed out my loan application indicating that I could reapply at a later date. The next day, I received an email stating that my loan could not be approved due to 'adverse action ' ( I was told that my paperwork had been closed and not processed due to lack of employment documentation ). 

Once I received my paycheck stubs, I re-applied, attaching my payroll information. Again, the incessant phone calls began. I spoke with someone the next morning, inquiring about the reason for the XXXX phone calls that morning, the XXXX texts that morning, and the XXXX emails, all within a XXXX HOUR WINDOW. They indicated that they had approved my loan ; however, I informed the gentleman that I was speaking with that I had received an email stating that my loan had been denied. He said, " No, ma'am, I just got done speaking with the underwriters, everything is approved, I 'm looking at the paperwork right here! All you have to do is sign the paperwork and you 'll be all set, you 'll have access to the funds! '' I attempted to use the link to sign the paperwork and access the funds but could not. I then received ANOTHER email of denial ( by now, I am pretty confused ), stating that my loan could not be approved. I phoned the company who now tells me that the reason it could not be approved was because I needed a month 's worth of paycheck stubs. The first time it was denied was due to my credit report and the second time, it did not indicate the reason. 

I 'm not sure what this financial lending institution 's goal is : they are DESPERATE for customers it appears based on the insane amount of contact they make BEFORE XXXX even obtains a loan, but they are also very unorganized and unprofessional with regards to follow-up, documentation and correct information. It almost seems like they might get paid for processing applications but decline as many as possible to keep as much money as possible. 

The fact that I did not eventually receive the loan is of no consequence as my employer did correct the payroll issue and my financial standing will continue to improve. I am not bitter towards this company BECAUSE my loan was not approved. I am irritated ; however, that based on the confirmation of receipt of the loan that I obtained from the gentleman, I made arrangements to take a condo. Their business practices leave MUCH to be desired and are deplorable. Something just does not feel right about the manner in which they operate ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Student loan (Non-federal student loan) with Performant Financial Corporation (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Performant Recovery called me on behalf of the Florida Department of Education because I was behind on my loans. The lady, XXXX XXXX, told me that for my {$8000.00} student loan balance at 8 % interest, she was offering me the following : - {$100.00} to get started- {$10.00} a month until the loan was paid in full, and- that they would report to the credit agencies that I was paying as agreed. 
I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Commonwealth Finanancial is in violation of my rights. This is my 4th complaint to the CFPB. Commonwealth
has responded to each complaint in writing claiming that they will remove these accounts from my credit report.
After finally doing so from all three bureau 's, they have come back and put them back on my XXXX  credit report a week later.
By doing so they have damaged my credit scores tremendously I have not received any notice from them and therefore they are in violation and facing law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (TN).
Issue: Credit decision / Underwriting

Complaint: I contacted QuickenLoans about a possible VA mortgage online. I received a callback from representative XXXX XXXX about a possible mortgage. Under false pretenses, and against my verbal reservations, I allowed him to run a hard credit inquiry for my credit score, knowing that it could negatively impact my score. I had already informed him that I had recently inquired on my credit scores from the " top XXXX '' ( XXXX, XXXX, XXXX ) within the last XXXX days, and he assured me that the scores were fine, but Quicken needed to verify. He came back and told me that the scores were XXXX points less than the report I had received from the reporting agencies listed above, and then proceeded to explain to me that the scores were " weighted '' for a mortgage. Nothing in the reporting I received from the agencies themselves indicated that there was a different score for mortgages than the score that was reported to me. I feel that I was coereced into allowing this company to get a hard credit inquiry, damaging my credit, when the representative did or should have known that my " weighted '' credit score would not have been sufficient for a loan from Quicken.

Company response to consumer: Closed with explanation