milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, TransUnion, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.

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 10-07-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: EOS CCA has called my work extension roughly XXXX starting at XXXX and typically again at XXXX via robocall. When I called back they would not disclose type of debt or whose debt, simply stated that I owed a debt based on the phone number ... .I have asked them to remove this number from their autocall as it is a new work extension but I continue to receive robocalls. EOS CCA 's number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Other

Complaint: HSBC Bank Nevada did not provide a copy of an alleged contract ( Terms and Conditions ) upon request, despite listing an alleged debt based upon said alleged contract on at least XXXX credit bureau reports. I do not concede the validity of the debt, but would like to see the alleged contract so I can respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose prepaid card) with CHECK INTO CASH INC. (VA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX two separate unauthorized, fraudulent transactions were charged to my " XXXX XXXX '' Visa DEBIT Card. The transactions were used at XXXX XXXX. I contacted the Card Issuer immediately upon learning about the transaction and had the card closed and re-issue a new card. First ( 1st ) transaction was for {$190.00} -XXXX XXXX and the 2nd transactions was for {$240.00} -XXXX XXXX . I  reached out immediately to the merchant as well ( XXXX XXXX ) to let them know my card was fraudulently used and contact authorities the card is being fraudulently used. Upon checking, XXXX XXXX Representatives could not tell me who used the card nor could they verify that the card was even used in their system. At first contact with XXXX XXXX, I was told their dispute process is " 40-60 days! '' Its been both, a very frustrating process and experience dealing with this company, XXXX XXXX aka XXXX XXXX XXXX. They kept on giving me the runaround, for several weeks from XX/XX/XXXX through XX/XX/XXXX. I had to encounter rude, lackadaisical representatives at XXXX XXXX aka XXXX XXXX XXXX and long delays getting any information regarding the 2 fraudulent transactions on my debit card. Then they waited to send me a letter mysteriously dated XX/XX/XXXX. But it somehow verified and postmarked by " XXXX XXXX '' on XX/XX/XXXX, that my claim has been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: DITECH FINANCILAL LLC, XXXX XXXX XXXX. I USE TO PAY {$380.00} A MONTH AND NOW THEY RAISED IT TO {$670.00}. I ', M RETIRED, WIFE IN XXXX AND I HAD A XXXX XXXX 2010. IT IS PUTTING A BURDEN ON ME. HELP ME. IF I GET SICK OR LOSE MY PART TIME JOB, I WILL LOSE MY HOME. HELP ME.

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 09/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to fight Wells Fargo to resolve this issue to fix my mortgage and to save my house. Every time I try to get an adjustment from the bank they decline it every time. I went into bankruptcy so that they can stop trying to sell the house while I try to save it. I 'm doing everything I can to save my house. Payments are being made and I 'm requesting adjustments every time I can even if they decline everyone. I ca n't sleep because of this issue, they just do n't want to do anything to help me. They just want to sell my home without trying to help me resolve this issue.

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 10/23/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (KY).
Issue: Deposits and withdrawals

Complaint: I normally have my pay check deposited onto my rushcard every two weeks. This week when I checked the money had been loaded onto a card that i havent used in years. When I contacted customer service i was told there system is down and they were working on this. I have called 4 or 5 times. I have been hung up on and put on hold.Today i was on hold for 2 hours. I have no access to my paycheck at all. I feel this problem should have been resolved over a week ago. They have no plans on reimbursing me for late charges I 'm going to recieve for payments I am unable to make. I just want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Consumer Loan (Vehicle loan) with DriveTime (GA).
Issue: Taking out the loan or lease

Complaint: I purchase a vehicle from Drive Time approximately 8 months ago. I have been paying on time and looking to refinance the vehicle. I had my credit pulled and I was told that Drive time has not reported my payments to the credit agencies. When I first purchased the vehicle I was told that by the manager that drive time will report my payments within 30 days of purchase. I contacted DT Credit Company and asked them what was the reason that they havnt reported my payment history. I was told by several employees that they had a new system and have not reported anyones payment history since XX/XX/XXXX or XX/XX/XXXX. I asked the manager how come no one has informed the customers that DT Credit Company was not reporting. The manager stated that he did n't have an answer. I told the manager that part of the contract of purchase stated that they will report to the credit agencies within 30 to 60 days. I informed him that if DT Credit Company had a system problem the customers should have been informed. I also asked him if there system was hacked and if my information was compromised and he could not and would not have a answer for that question. My issue is that DT Credit Company are not telling perspective buyers the truth about reporting to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: These accounts still continue to be listed on my credit report! They are bogus! XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are placing these items on my report and they are not valid! See attached dispute letters

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 08-04-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: As the executor of my father 's estate, I wanted to continue using the two bank accounts he already had set up with Wells Fargo. I conveyed this desire to the Wells Fargo banker when I set up the estate account ( last 4 digits are XXXX ), and he said there was no problem with that, and we set up the account. I would estimate that a few months ago, I received a phone call/letter from the insurance company that was being paid out of my dad 's old checking account. The auto payment that was set up had bounced back. When I contacted Wells Fargo about it the first time, they tried to tell me it had nothing to do with my accounts. Then I discovered that my father 's checking and savings account had been locked. Upon further time consuming phone calls and branch visits, I was told that a " back office '' Wells Fargo employee had taken it upon themself to lock my father 's old accounts. After a great deal of wasted time, the banker at the WF branch next to the XXXX XXXX XXXX XXXX in XXXX XXXX CA told me that my only option was to close my father 's 2 accounts and move the funds to the estate account. This was NEVER raised as a problem when I first opened the estate account with Wells Fargo, and the banker who I did it with clearly knew that I was also managing my deceased father 's two accounts. Wells Fargo also mailed a check to my father for {$25.00} which I unfortunately mis-placed. Unfortunately, the letter that accompanied the check did not state what it was for. I can only speculate that perhaps his local branch had opened accounts he did n't know about. My efforts to have Wells Fargo re-issue that check have been blocked every step of the way. I 've worked with XXXX ( sp? ) at the XXXX XXXX branch, who had put in multiple calls to his Wells Fargo colleagues during the past 2 months, but alas, has nothing to show for it. I 'm disappointed that : A ) Wells Fargo did n't tell me originally that it would be an issue to keep my father 's checking and savings account open. B ) I learned that they froze his accounts- not because Wells Fargo staff contacted me to tell me, but after my insurance company 's auto-pay transaction did not go through b/c Wells had frozen it. And, the first time I called to ask about this, the Wells Fargo person erroneously told me the bank had nothing to do with the transaction not going through. C ) Getting a simple check re-issued for {$25.00} has turned into a saga with Wells Fargo, and even working with a local banker, it appears to be impossible.

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 02/21/2017 about Debt collection (Credit card) with The Moore Law Group (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( XXXX ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XX/XX/XXXX2017

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 07/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: I was scam thought XXXX. ( XXXX ) XXXX. I know I ca n't get my back but person need to be stop. Flip scam. I should know better but I was in XXXX after losing my father. I lose XXXX dollars. Using money Gram and XXXX XXXX. But I want him to be stop. I have account with both. I hope he do n't use my information. I attached some of the dumbest I have done.he said his name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Payday loan) with United Debt Holdings, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I started receiving calls and voicemails stating the call is regarding a notice to appear in court that will be processed. The voicemail states I am facing allegations regarding my social security number ( Party provided the last XXXX of my social on my voicemail ) in connection with a check, misrepresentation for income assistance. The party states this is the final attempt and is asking me to call for a phone deposition to file for dismal, because the accusing party and their representatives are moving forward to have me severed for legal action. Once I receive an order to appear, I will not be able to dispute the consequence rendered because they can prove I disregarded the matter. 
I currently work for a collection agency in XXXX, Texas. I temporarily retained my company 's general counsel, to contact the company leaving me voicemails. The representative with this company, XXXX XXXX, refused to confirm the name of their company. My voicemail states XXXX XXXX, the representatives provided the name XXXX XXXX and when I called back I was given XXXX XXXX XXXX as their name. After being hung up on multiple times, we spoke with XXXX XXXX 's " supervisor '' XXXX XXXX. XXXX XXXX refused to provide the companies address and eventually stated their company no longer wishes to do business with me and will not speak with me any further. 
Prior to involving my general counsel, I called the company on my own and was informed the debt is for XXXX and is now with United Debt Holdings. I asked the representative, XXXX XXXX, if they were a collection agency, as I was not provided the Mini Miranda and was told they were retained by United Debt Holdings. During the call, I asked if the representative if his company or United Debt Holdings purchased my debt and the party refused to answer my question. 
I attempted to contact United Debt Holdings to verify they in fact are now handling my alleged debt and outsourced my account to another company. I have not been able to reach anyone with this company phone and their recordings prompts me to leave a voicemail including my name and social security number, which I do not wish to do.

Company response to consumer: Closed
Consumer complaint received 03-02-2018 about Debt collection (I do not know) with Aldous & Associates, PLLC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX calls me several times a week. It is a recording and they leave me a voice mail saying they are trying to collect a debt. When I call in, they say there is no record attached to my phone number ( the one they call several times a week and leave me voice messages on ). I have asked them to stop calling. This has literally been going on for months. The young man I talk to repeatedly there says there is nothing they can do to stop the calls.???? So, they can not tell me why they are calling and they will not stop calling. I do not have a clue how to resolve this since this company has no way to remove my number from their records even though they do not have any debts attached to my number. How is this even possible? It would seem if they can repeatedly call me weekly, they could track where they are getting my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Mortgage) with McCalla Raymer Leibert Pierce, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Homeowner received letter of collection from MCCALLA RAYMER LLC. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX Bank informed XXXX XXXX informed HOMEOWNER, he needed to call McCalla Raymer LLC. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported McCalla Raymer, LLC XXXX XXXX Bank Mortgage/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXXMcCalla Raymer has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. McCalla Raymer has excelled at putting people out of their homes and into the street. 
McCalla Raymer for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.McCalla Raymer also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by McCalla Raymer personnel. Robo signing may not have been possible without the tenacity of McCalla Raymer. McCalla Raymer has, and they certainly have profited greatly. HOMEOWNER asked MCCALLA RAYMER LLC Assistant Attorney XXXX XXXX XXXX XXXX about verification and XXXX stated what XXXX XXXX tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to Mccalla Raymer LLC attorney firm. 
On XXXX XXXX, 2013, XXXX XXXX XXXX XXXX/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. XXXX XXXX XXXX MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. MCCALLA Raymer LLC RESPONDED WE JUST GO BY XXXX XXXX XXXX Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX informed XXXX XXXX XXXX, he needed to call McCalla Raymer LLC.

Company response to consumer: Closed with explanation