milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed an account with Equifax and provided proof directly from the creditor that I never paid said account late, yet Equifax completed my dispute as they have verified the item belongs to me. Equifax also stated that there is no historical account information currently on this account. 1. I never disputed ownership of the account. 2. they did n't remove nor address the late payments, and if there is no historical account information, how can they justify leaving a late payment. 
In addition to all of the above, this account was previously reported 30 days in error by the credit grantor, and was subsequently corrected in XXXX of 2014. Now, Equifax is re-reporting this and I have no idea why and why they are n't accepting the documentation I 'm sending them. I do n't understand what 's the point of them acting like it 's to a consumer 's advantage to submit documentation during a dispute if it 's not going to expedite or assist in the resolution of said dispute

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have had an american express credit card for 2 years. I have the green card. The card is advertised as 'no limit ' bu then later they claimed it based on your average balance. My card was up to approximately $ 6K average balance. American express then took the card and changed it to a set limit each month which is about {$2300.00} I believe ( I am not even sure since the card was not advertised this way and I never received a new account number or card ). The limit is based on if the credit analyst decide to open up the limit which is false advertisement. It should be based on the TERMS. If American Express is going to change this to a preset limit then they should OFFER to change the card or go back to my average spending balance. I am appalled they have been paid each month and decide to change terms as they decide versus sticking to their offer. For a while, I just stopped using the card altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I requested a good faith estimate from a lender when I was looking into buying a home. The GFE was provided to me. Everything is moving towards closing and I am now 5 days away. The lender now sent me the quote of my actual monthly payment which is over {$300.00} higher than the GFE that he provided. He said he made a mistake on the property taxes. I pointed out the huge discrepancy in what he quoted and the actual cost and the best he could do was give me an apology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested several times validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Have asked and contacted Equifax Several times about the erroneous information on my credit Record. XXXX XXXX XXXX XXXX and XXXX XXXX, never did business with XXXX . There 's no Written nor copy of any information supplied to any of the above collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AK).
Issue: Trouble during payment process

Complaint: Wells Fargo, I have called for the last week to get a reinstatement letter with no call back. I have left 5 messages with my assigned migator XXXX XXXX. He stated he would call me last week and still hadn't. The company admitted they applied previous payments to the wrong account and I have attempted to get a check recut with no avail.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX ,  XXXX   XXXX , &  XXXX   XXXX   XXXX , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother  XXXX   XXXX  and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is  XXXX   XXXX  's debt and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Checking or savings account (Checking account) with Jim Bottin Enterprises, Inc (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: In XXXX my wife and I joined the new XXXX XXXX gym at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX ), paying for a full year upfront which gave us one month free ( see PDF of contract in attachment ). Early in XXXX my wife broke her foot and we stopped using the gym. We thought we were done when our 13 month paid membership expired. We discovered in XXXX, XXXX that XXXX XXXX XXXX, the billing agent for Anytime, had been taking {$74.00} from my wifes XXXX XXXX XXXX XXXX account for 73 months ( from XXXX of XXXX through XXXX of XXXX ) for a total of {$5400.00}. We only discovered this after XXXX left her nearly 30 years of employment at XXXX XXXX XXXX and closed her Credit Union account. XXXX came looking for a new account to charge XXXX see attached bellow of ABCs letter XXXX. After much effort a XXXX XXXX XXXX, the owner of the local XXXX XXXX franchise, declined to make any offer of reimbursement ( see a copy of his email, below ). 
After talking to the XXXX owner, the basis of our dispute is that we insist we were not members after the XXXX 13 months and that we did not notice the money coming out of my wifes credit unit account for over 70 months until that account was closed and the finance company, XXXX, came after the XXXX payment. The XXXX position is you signed a contract and we called every few months to say come on down XXXX calls based on a report that showed we had not been to the Gym ). Our position is that we thought the calls were attempts to get us to rejoin. Both my wife and I clearly told the gyms employees during a number of these calls, that we were no longer members and we did not wish to rejoin. I was very firm with a representative of the gym who called in XXXX XXXX. They had called to my cell phone and reached me in Maryland where my family is relocating to. I asked them to stop calling as we had relocated out of State,  had not been members for nearly 10 years and had no intention of ever rejoining and yet they still kept charging our XXXX account. The XXXX XXXX Police had explained to me that once they get your account information, it is very hard to get them to stop charging you. In late XXXX early XXXX, I told them to stop having XXXX bother me, what did you not understand from my phone call in XXXX. They said they would take care of it, but shortly thereafter I received the attach letter from XXXX. I told a XXXX XXXX in a phone call, that if they had acted prior to sending the letter from XXXX, that they could have kept our money since the account was closed and we never knew they took any money from that account. 
We are seeking reimbursement of the {$5400.00}. More details are included in the timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (IA).
Issue: Managing the loan or lease

Complaint: My finance compny calls, e from multiple numbers at least 8 times per day. I have told them my situation and they threaten that the calls will not stop. I am only 30 days behind. They are rude and crass. They threaten me constantly with legal action after I tell them I do not have any money to make the payment. I then get several more calls on the same day even when I tell them when I will have a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit card () with Resurgent Capital Services L.P. (NM).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The Florida Attroney General Investigator XXXX XXXX and the XXXX County Sheriffs Office filed a number of Investigations for Property Loss againist XXXX XXXX and XXXX XXXX in ( XXXX ) for XXXX, XXXX and XXXX. 

XXXX, North Dakota dismissed the outstanding balance of ( {$790.00} ) as it pertained to the Property Damage, Property Loss and Identity Theft filed with the Florida Courts and XXXX Judges. 

XXXX XXXX stated that the Outstanding Balance of ( {$340.00} ) was an unresponsible action of either the Retail Store and or the Online Order Service but, refused to resolve or mediate for ( 4 Years ) and Continuing. 

There are, Escalating Concerns of a Contiuned Fraud, Theft and Scamming of Resurgent Capital, XXXX XXXX and XXXX XXXX. 

XXXX XXXX ( XXXX ) XXXX ( XXXX ) {$3000.00} Property Loss ( XXXX ) ( Phone Service )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with D2 Management LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: D2 Management called about a debt on a bank account that was incurred over 11 years ago. They violated the FDCPA rules regarding disclosure by disclosing the last 4 digits of my social security number. Further, they are pursuing a debt against me solely when this particular bank account was a joint account with my husband. They also insinuated that my credit would be adversely affected if I did not pay this balance. I have this recorded on my phone and can provide proof of it if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
1. XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX 2. XXXX XXXX -- -- -- DATE XXXX XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XXXX XXXX 4.XXXX XXXX XXXX -- XXXX DATE XXXX XXXX, XXXX 5.PXXXX XXXX XXXX DATE XXXX XXXX XXXX.

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 09/21/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: Complaint Number XXXX This is an addendum to my above-referenced complaint regarding the practices of Wells Fargo Home Mortgage to AVOID helping struggling homeowners with their mortgage. 
It is with great dismay that after sending all those justifications/and or substantiations proving that we never missed payments, Wells Fargo through the same Representative, XXXX XXXX XXXX, XXXX, again ( for the second time this year ) subjected us to apply for ( another ) Loan Modification. 
Please be reminded that they already approved a HAMP Loan Modification Trial Payment on XXXX XXXX, 2017 but due to some technicalities which is beyond our control they RESCINDED their approval on XXXX XXXX, 2017 the 4th month of our Trial Payment - and subsequently on XXXX XXXX, 2017, they referred our case for collections. 

What Wells Fargo have done to us is very humiliating and unethical, when the Federal Government and the State have been trying to help struggling homeowners to get back on their feet yet " big Banks '' like the one we are dealing with is trying to manipulate us into believing that we are delinquent in such manner that all decisions are theirs to initiate and in their favor, thus leaving us, Homeowners, in their mercy. 

WHERE IS JUSTICE AND WHERE IS THE GOVERNMENT??? OR MAYBE BECAUSE WE ARE THE MINORITY WHEREIN OUR CONSTITUTONAL RIGHTS HAVE BEEN ABUSED BY THESE BIG BANKS???? WHOEVEVER UPON THE REACH OF THIS PLEA. 

HELP US!!!

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 04/16/2017 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint in XX/XX/XXXX regarding a " delinquent '' US bank line of credit with CFPB. I was rewarded my desired solution in that they were supposed to REMOVE the account from my credit report. What US bank did was mark the account as paid and closed, but what I 'm currently finding out is that it still shows up on my credit report as a delinquent account and it is affecting not only my credit score, but I am not able to refinance my student loans from XXXX school because of it. It 's severely affecting my life once again with an account that was never delinquent and it was declared in my favor back in XX/XX/XXXX, but US bank never did their job. I 'm assuming you can pull up the complaint from XX/XX/XXXX, which is why I 'm sparing you the details of the issue. They should already be on file. The short hand version is that I closed my account with them in XX/XX/XXXX and they failed to close the account, made a new " rule '' to charge accounts without a minimum balance and started to charge me every month without ever calling me or sending me any bill in the mail, so I was unaware of these accumulating charges with an account I assumed was closed. I never knew of the issue until I tried to get a mortgage loan and my lender found this on my report. They are very wrong in this situation and now they are wrong again and negatively affecting my credit once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Merchants Credit Corporation (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I hired a law firm named XXXX XXXX XXXX to help me take care of it and unfortunately they did not do anything for me I spent a XXXX dollars a month for 5 months and nothing was resolved along with they do not have a signed physical copy of the agreement made by me

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (Federal student loan) with Windham Professionals, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: To Whom It May Concern : On XXXX XXXX, 2015, I spoke with XXXX XXXX of Windham Professionals XXXX who advised me on available options I would need to take to avoid a wage garnishment pursuant to a student loan default. XXXX XXXX requested my XXXX tax form, which I faxed and obtained confirmation of receipt on XXXX XXXX, 2015. I never received a follow up call or email for next steps. 
On XXXX XXXX, 2015, I received a phone call from XXXX XXXX of Windham Professionals XXXX who discussed with available options to avoid default and garnished wages. XXXX XXXX offered ( and I accepted ) a payment arrangement whereby I would pay {$100.00} toward my student loans beginning XXXX XXXX, 2015. The first payment was withdrawn from m account per the agreement on XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I received a letter of garnishment in the mail entitled Employee Notification of Garnishment Order for Student Loan and dated for XXXX XXXX, 2015. This letter informed me that I have received a court order to garnish my wages and that the first deduction would begin on my next paycheck. 
I object to the garnishment because the method by which it was accomplished was unfair and deceptive and I was not afforded adequate notice pursuant to law. I never received prior notice or a Notice of intent Garnish informing me on my rights. I should have been informed of my right to request and inspect copies of my student loan records ; my right to request a hearing to present evidence that the garnishment should not be allowed ; and my right to enter into a repayment plan with the loan servicer. 
If my conversation with XXXX XXXX was my " notice of intent '' ( which can not be considered proper notice ) then orally accepting and agreeing to a payment plan should have prevented any garnishments proceedings. Proceeding with garnishment despite entering into a voluntary payment agreement with XXXX XXXX was procedurally improper and intentionally deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NV).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted by Enhanced Recovery of XXXX XXXX XXXX, XXXX, FL XXXX, XXXX regarding " several collection accounts ''. They would not identify these accounts and I was told that at XXXX Friday ( XXXX/XXXX/2015 ) I would be visited by the police who would have a warrant for my arrest. 
I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''. 
When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Please see attached for description of problem that has been ongoing since XXXX XXXX. Wrong legal description on current loan through Bank of America holding up a new loan. Having tried countless times, phone calls, faxes, etc. to get the documentation resolved for a final loan to be obtained for XXXX of our other homeowners loan, we were met with so much conflict, employee lack of knowledge, brushed off, as well as several times being told to patiently wait until XXXX XXXX to allow the problem to be resolved. In XXXX when we again called we were told the problem was resolve in XXXX, at which point we applied for the loan again, only to be told it was NOT corrected. and again later ... with a final person saying we have to make the corrections on our end. In saying this we have had our loan application expire each time due to Bank of America. I am attaching all documentation. I hope we can get this resolved as it has caused so much work on our end, along with our banking institution, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, who has been patient in working with us should be commended, not to mention the title company. We have never dealt with a company like Bank of America that gives so much run around and lack of assistance. I hope you can help us. 

Thank you, XXXX XXXX

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/ 2016, there were 6 unauthorized credit checks done on my report. 1. XXXX XXXX-twice 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX. 5.XXXX XXXX ... .. I test drove a Truck at XXXX XXXX 's XXXX XXXX in XXXX, NC. and brought the truck back and told them I had changed my mind and left.I later discovered thru XXXX XXXX, that they had pulled 6 hard inquiries.

Company response to consumer: Closed with explanation