milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reviewed my credit reports and noticed that collections were being reported that I was unaware of. Initially I attempted to reach out to the credit bureaus and request they provide me with more information regarding the debt. However the bureaus ( XXXX and XXXX ) was unable to get the collection agency to verify the debt and as a result the collections were removed from my XXXX and XXXX credit report. I am now requesting that Experian follow suit and do the same as I have requested from them several times and directly from the collection agency that this debt be validated and or verified by the credit bureau. However as of date I have been unable to receive verification and/or validation of the debts being reported by XXXX XXXX and Experian still continues to report the debt on my credit report. My rights are being violated and my character is being defamed.

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 01-11-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I had initially secured a mortgage modification from SPS ( Select Portfolio Services ) XX/XX/XXXX. Apparently there was a problem with the final modification being processed and my home is now scheduled for foreclosure sale. I disputed the foreclosure, and was not notified of my denial in writing, or given an appeal period. SPS is dual tracking my foreclosure which is scheduled for XX/XX/XXXX. I am a single parent of XXXX children, plus I provide a place to live for my XXXX older sister. I am in desperate need of help to stop this foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello, I went to XXXX in XXXX, MI. I read an article on the way XXXX defrauded student loans. I, too, was in school at that time and had XXXX of those XXXX loans. I feel that I should not have to repay the remainder of that loan based upon that lawsuit against them. My loan, no doubt, has been sold to UAS ( University Accounting Services ) LLC. The address is : XXXX, MN XXXX. Any help would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I co-signed for an extended family member to get an apartment for he and his XXXX small children. He did not pay the rent. He was evicted. The debt to the apartment complex was put in to collections with IQ Data Collection and I have been harassed by them for two years. Yesterday I contacted them to get payoff information and I was told they would settle for {$.00} on a dollar but would not remove it from my credit report, unless I paid them {$.00} on a dollar. That does not seem legal to me. That is blackmail or extortion. Help, I want to settle this debt and get my good credit back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional fixed mortgage) with CHEMICAL FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I re-financed my mortgage. There was over {$2600.00} in escrow. I have called Chemical Bank several times and they ca n't tell me when I am going to get my escrow money back. It has been over 30 days. When I called today they said " the girl has a stack on her desk and has n't been able to get to them ''. She is working on it. I asked for a date and they said they hope soon. This is unacceptable.

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 04-11-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: I recently had my XXXX cars, leased through Ally Financial, come to term. With each lease that ended, I experienced problems. On my first lease return, I will not say there was fraud but, there is definitely a policy of collusion and steering by the bank. I was told my buy-out/payoff of the existing lease was $ XXXX. In this car there was a little equity. When I tried to buy a new car from a non-Ally affiliated company, we were told the buy-off amount was $ XXXX more than the original agreed residual amount. After discussing this with Ally, I took my vehicle to an Ally affiliated dealer and the buy-off was only $ XXXX more than my residual. I truly have a major issue with Ally marking up a car where they agreed to take a predetermined amount just because they can but, I have an even larger concern about the legality of charging different companies large varying amounts to encourage business to go back to their partners. It halts competition and injures consumers and consumers choice. 

On my second lease return, the car had little to no equity. To make the right decision for myself, my family and Ally, I asked to my car to be appraised before I returned it to the dealer. I wanted to know how much Ally would assess me for any wear and tear and damages upon return of the vehicle. This information was to allow me to make the best financial decision for myself as a consumer. If I was to owe a lot of money due to the low equitable position, I may have decided to keep the car. If there was little to no assessed damages, I would considered returning the vehicle and buying a new car. After hours on the phone with no result, I was given only XXXX options, buy the car from Ally at my residual or return it to the dealer and have any assessed damaged levied upon me days after the car return with no ability to discuss or negotiate the cost. I was left with no choice by Ally again. It has to be possible to have the car appraised before you return it but, they did not allow that to happen. These choice-limiting, consumer-injuring tactics ca n't be ok and should be illegal. 

I will definitely avoid Ally Financial ( www.ally.com/auto or XXXX ) in the future. To be clear, other leases with other financial institutions I have had were no problem to end.

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 12-11-2017 about Checking or savings account (Checking account) with OLD NATIONAL BANK (IN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: It started XX/XX/XXXX when I seen charges to my checking acct I called in made a disputed over insurance companys charging my debit card XXXX dollars that is just in 45days I never atherised that I am on XXXX I am XXXX so I just get paid once a month that act like I am lieing to them and they would take small amount s out and now the bank has charge meXXXX dollars that was my check and know it is XX/XX/XXXX and nothing has been done can not pay bills or groceries they do not care

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Around the end of XXXX beginning of XXXX As all inquiries were removed from my TransUnion credit report. However upon rechecking my credit report I currently have multiple credit inquiries where there should only be XXXX that I recently acquired. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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 05-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XXXX XXXX years. I have contacted all XXXX credit bureaus ( XXXX, Equifax and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My cell phone contract ended XXXX of 2012 (? it may be XXXX ). I paid the final bill in XXXX. Approximately one year later I received a collection notice that I owed the cell phone company {$330.00}. I do not owe them anything. After XXXX phone calls over the past couple of years ( yes, years ) the cell phone representative discovered that a new 2 yr contract had been started in the month of XXXX or XXXX. This is completely wrong. My daughter had lost her phone, I had another phone I purchased off of XXXX, I have the receipt for this other phone. I called the cell phone company ( XXXX maybe ) to move her phone number over to this new phone I had purchased on XXXX. When the number was transferred it created a new 2 yr agreement as if I had purchased the phone from THEM, but I did not, so this XXXX 2 yr contract should never have been started, but I was completely unaware of it. I have contacted the collection agency that sent bills to me. I explained what happened and they said it was n't their job to fix it. The collection agency somehow transferred me to the cell phone company. As I was explaining it, she put me on hold and we were disconnected. I called the collection agency back the next day. Out of frustration I explained, again, about the 2 yr contract that should not have been made and I just wanted to get this done with, it had been XXXX years. Even though it was a mistake by the cell phone company I was tired of dealing with it and offered to pay a portion of the bill if that would end it. The collection agency representative agreed. I asked to have the derogatory marks removed from my credit report ( XXXX pages from this XXXX collection ). This was also agreed upon. I told her I will be making a reference to our agreement on my check because she could n't offer me anything to secure our agreement. I sent a check with a notation written on it about our agreement ( I have a copy ). So, the account was taken care of. I contacted the credit reporting agency recently and the derogatory marks were NOT removed as agreed upon. I filed a claim with the reporting agency. They told me, after the investigation, that it is all perfectly fine and will not be removed! Now, I noticed there 's also a notation at the beginning of the XXXX pages, from this XXXX collection agency, that states " only half of the account was paid ''! That was our agreement! I was n't even responsible for this wrong bill but I was soooo tired of it I paid XXXX, and it did n't even fix anything! This is so completely wrong and frustrating! I have ALL the receipts and the check with our agreement on it, cashed by them. It feels like the cell phone company is just being vindictive and trying to harm my public profile, when they were wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: What happened to me was that last year I bought my girlfriend a purse at XXXX. I was unaware that while purchasing the purse, it was done with a XXXX card. For months after I made the purchase, I had no clue that XXXX had opened up that card and made the purchase with it. It wasnt until I started to search for a home did i start to keep up with my credit and see all the unpaid payments I didnt make to this card that I didnt know existed. Its absolutely destroyed my credit and I havent been able to change it even though Ive paid the balance.

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 monetary relief
Consumer complaint received 03/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (DE).
Issue: Credit line increase/decrease

Complaint: I was issued a credit card from Amex with a minimal credit line. When I was told what the credit line was, I immediately reached out to their new accounts department. After being transferred around several times and on hold for 90 minutes I finally reached " the right area '' here I was advised that I can have my line reconsidered once I get my card, with a soft pull of my credit report. I was only advised this after I stated I wanted to cancel the account if I ca n't be reconsidered for a higher line. When I called back two days later ( when I received my card ) I was told my account has to be open for greater then 60 days to ask for a increase which may or may not place another inquiry on my credit report. Basically I was lied to and misled on that first call

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Payday loan) with Earm LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Before I begin with the issues, I do want to make reference that the name that they have the debt under for me is my prior married name, XXXX XXXX, not XXXX XXXX. 

There are multiple issues with this debt collector. The first is that they are unwilling to provide me with verification and validation of the debt. The only documentation that they can provide is a letter from themselves stating the balance that I owe. I do not remember taking out the debt and they can not provide me with contact information for the company that they are attempting to collect he debt for so that I can validate that it is legitimate. They will not provide me with the date that the loan was originated so that I can verify that funds went into my bank and confirm who the loan was taking out with. They can not give me the original contract for the debt that I signed. They ca n't confirm anything. 

The second complaint, is that they call themselves a mediation firm and the collectors that answer the phone reference themselves as Inspectors as though they are part of law enforcement. Specifically XXXX XXXX XXXX XXXX x XXXX. I have been receiving phone calls now since prior the middle of XXXX, where after I request documentation or to speak with someone higher up, they hang the phone up on me. I have been told that I am going to go to jail if I do not pay the debt owed. Since I am not complying, court paperwork has been filed and that I will be served paperwork to show up in court. They have told me over and over that since I did not take the offer provided and make good on the debt that I owe through our conversation that I was being pursued for Fraud and some sort of Money Evasion, I can not remember the legal term that they used. 

Third, they claimed that they traced the IP address that I took the loan from and were able to validate the home address where I took the loan from. However, they could not validate the date that the debt was originated. I do believe that tracking someone 's IP address down is illegal unless you are law enforcement. 

Fourth, I am being contacted by a process server company that is trying to obtain my personal information in order to serve me with paperwork. The same process server is calling my family claiming to be with CHILD SERVICES and they desperately need to get in touch with me in regards to my children and need my home address. Their tactics are fowl.

Company response to consumer: Untimely response
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Unexpected or other fees

Complaint: Hi I had stayed at a XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX and XX/XX/XXXX. The hotel had put a hold on my card, a prepaid card with XXXX XXXX XXXX card for {$110.00}. They immediately released it upon my checkout date, XX/XX/XXXX. I have been getting different answers from XXXX every single day as to why I havent received my funds back onto my card. One day, its 3 business days. The next day its 8 business days. Now its 21 business days! I am nearly penniless, and they say I may now have to wait until XX/XX/XXXX until I get my funds back. How is this legal?!

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 01/17/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Ref- Case number : XXXX I just received a call from a representative at Wells Fargo 's Executive Resolution Department where she explained to me that Wells Fargo 's conclusion to my complaint is that I should 've " tried harder '' to get a hold of my processor if I truly wanted to lock in the rate the date that I emailed him. She also proceeded to explain that if I could n't get a hold of him over the phone that I should 've escalated the issue to a manager so I could get a prompt response. I explained that perhaps I would 've if I would 've gotten an out of office response from my processor, but he neglected to have one set up on his email and voicemail. I am very disappointed with Well 's response because this is a big company that should be held to higher standards. Where I work, when you are out of the office you set up an out of office response on your email so people know you are out, when to expect you back, and who to contact for immediate assistance. ( Same goes for voicemail ) Wells Fargo does not believe in this type of best practice. 
As for updating their website to explicitly state a purchase agreement is required to lock a rate, I was told that it is still under a review as to if it is getting updated or not. I 'm not sure how my complaint can be closed out without having a completed review of well 's website if I was directly impacted by the information that was provided on there. I was also told that it was the employees responsibility to inform me what was needed and not the website. That begs me to question why Wells Fargo even has a FAQ page then, if its not complete and accurate, because I 'm clearly being told I should 've only inquired by phone. I disagree with the responses I was provided by Wells because they are excuses and I 'm getting pinned as the customer because they claim I should 've done more to get a prompt response ( instead of 4 days ). I should n't have to suffer for someone who is out of office and I do n't know about it, a different employee should 've had access to his emails and/or my file. What happens when people go on vacation for a week? Do people 's files stay at a stand still? I would like further review from the CFPB and get CFPB 's input on my complaint because I am being treated unfairly.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX  continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. XXXX  refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed 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 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Something happened to my Equifax credit file, and Equifax will not tell me what the issue is. They needs tons of documentation for a situation that I did not create. This is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Closing on a mortgage

Complaint: I purchased a mortgage for a home fr om Wells Fargo and it  closed on   XXXX   XXXX    2017.  In    XXXX     2017 I succe ssfully negotiated with my mortgage consultant to refund my appraisal cost after the mortgage closes if I choos e Wells Fargo. I wa s told soon after the closing date by my mortgage consultant that it will  take 4-6 weeks   for  Wells Fargo to refund  the appraisal on my credit card. I have tried calling my mortgage consultant since the beginning of  XXXX  on unrelated things and since     XXXX   XXXX      2017 rega rding the refund. The consultant has not returned my phone calls or responded to any email. I then called the general customer service line on    XXXX   XXXX     2017 to g et an update. They stated that I was not due a refund and that I should get in contact with my mortgage consultant. The name of my mortgage consultant is  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 monetary relief