milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, Experian ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

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 05/26/2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I was trying to make a high ticket purchase and was advised that I have a judgement fr om  XXXX  County Court/  XXXX   XXXX   XXXX   XXXX   XXXX  /Wachovia Bank. I closed a Wachovia Bank account I had back in  XXXX . To my know ledge it was in good standing. I used the checks from that to pay my rent. After moving from  XXXX  in     XXXX   I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in   XXXX   I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agenc y,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  did not contact me either. My phone number has been the same for many years. on   XXXX   XXXX   , I called Wells Fargo cus tomer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where Wachovia accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place  at Wells Fargo?

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 04/28/2015 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: This is an new issueThe bank opened up an account with funds obtained from a previous account. The Bank was mailing statements until recently. The address listed below was used to mail statements without my consent. 
XXXX Fl XXXXThe statements have stopped being mailed. The bank has made no attempts to contact me concerning this issue. 

The bank has a policy to stop mailing statements this way when fraud occurs they are not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2015 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 am a XXXX veteran. I had fallen and I told the ambulance driver to take me to VA hospital, they said no they will kill you there. I have spoken to XXXX. XXXX they were supposed to have this taken off. I have been unable to get Experian to take it off. I have a company who bought my lien from XXXX. That was supposed to have been taken care of when I filed bankruptcy XX/XX/XXXX. I have been trying to keep my house from foreclosure. XXXX a company I had never heard of sent me a certified letter telling me I had 6 days to come up with XXXX for a XXXX. Loan I had been making payments since XX/XX/XXXX. I am going to close on XXXX XXXX. My interest is at 11 % I had paid my XXXX mortgage XX/XX/XXXX they never contacted me. I have been ripped off by attorneys, XXXX that tried putting me through another chapter XXXX, XXXX kept XXXX. The other was through legal aid. XXXX XXXX XXXX a month after 4 month 's told me they did n't have jurisdiction in Texas took 3 months to get my money back. XXXX took XXXX a month for 6 -7 month 's, told me that they could n't help after telling me lies. I have not received my money or anything showing what they did for me. I never went through bankruptcy but they say it will stay on my credit report for 7 years. My credit score has cost me XXXX and I do n't know why they are able to destroy you. Why was XXXX never on my credit report, why did I just have 6 days to keep my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity Theft I have reached out to Equifax Credit Reporting Agency about my matter and they told me they would submit a dispute against the company. I have submitted to them a copy of my FTC fraud affidavit and the account is still showing on my credit report. According to FTC account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (SC).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I am requesting that Simple send over my traction to XXXX XXXX on time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: I got a loan for a truck in XXXX, XXXX. Even though I was told the truck was still under warranty, a warranty in the amount of XXXX was placed on the loan of the truck. During the first part of the loan, I attempted to use the warranty but no one would accept the warranty. When I informed the lender, no action was taken. In XXXX, after filing a complaint with Michigan XXXX, the lender provided me with a number regarding the warranty. I contacted them and sent a letter in getting it off my loan. It was XXXX XXXX, XXXX it was finally cancelled. they only gave me XXXX of the warranty. I know they do n't have any information because I was told I could change the billing date from the XXXX to the end of the month but later I was told it could not be done. When they contact me they always ask me the same questions, why am I am late and it is not in the records.

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 05/24/2017 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: Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and Experian refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.

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 06/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I would like to file a formal complaint about the way I am being treated by Portfolio Recovery Systems. I am also requesting any assistance you can render in resolving a problem I am having with them. <P/>Several months back I pulled a copy of my credit report and I found a collection account being reported on all three credit bureaus that is not mine. The original creditor is XXXX XXXX and it is now being reported by Portfolio Recovery Associates under account number XXXX. I called Portfolio Associates and spoke to them explain that this debt is not mine. I have never had any XXXX XXXX account at all and I been monitoring my credit monthly for years. I asked them to provide me with any documentation they had linking this account to me. I received no response. I contacted Portfolio on at least six other occasions requesting the same information. Each time I employee for Portfolio became combative and belligerent telling me just to pay the bill and stop asking for any proof the debt was mine. I never once received anything from Portfolio that even attempted to prove to me that the debt that they are reporting belongs to me. InXX/XX/XXXX of 2017 and with the advice of a credit expert, I began taking a different approach. I sent another certified letter to Portfolio Recovery requesting verification of their incorrectly reported debt as per statute in the FDCPA. I have never received a reply to that certified letter. I am enclosing that certified as well as the postal receipt of delivery. At this point I do not know what to do. If I send certified letters requesting a debt verification, as per the FDCPA, they get ignored. If I call Portfolio and attempt to ask for a debt validation, I get screamed at and get told to pay the bill without any proof its mine. I desperately need help resolving this matter. I have never had a XXXX XXXX account. The account that Portfolio Recovery is reporting on my credit is not mine. I can not get Portfolio to produce any written proof showing this XXXX XXXX account was set up by me. I can not even get them to prove that they even have the right to collect this alleged account regardless of who it belongs to. I can not get XXXX  to remove the report from my credit file because they claim they dont need any proof to report an item as long as the reporting agency claims that it is accurate. Apparently, Portfolio doesnt feel they can be held responsible and XXXX doesnt feel they can be held responsible. I need this item removed from my credit and I want the pattern of deception being perpetrated by Portfolio Recovery and XXXX stopped so more peoples lives are not damaged by their actions. Thank you for your anticipated assistance in this matter. I look forward to your response Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Suntrust Mortgage Took out XXXX payments from my escrow account for my property taxes but my XXXX Property Office only received XXXX Payments. I opened the case with Suntrust to research the issue on XXXX XXXX 2017 and as of today the XXXX payment is still missing out of my Escrow. In the meantime i was contacted via mail that my escrow account is short and the shortage must be paid. I was told that i need to pay extra {$350.00} a month for next 12 months to make up the shortage. 
Therefore not only my escrow account is short of XXXX payment which didnt make it to my Tax collector but I also am forced to pay extra which seems like alot of money to come up on top of the existing mortgage.

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 01-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: We are in the midst of refinancing with Bank of America, with supposed date to close escrow today. The overall communication is very poor with Bank of America. We get inconsistent emails and phone calls on the progress and requirements needed for loan documentation, and the worst item is that our appraisal report was incorrect. The B of A loan manager still stated that our home value ( which we dispute ) is still the same and we still have to pay the appraisal fee. We 're sticking with this refinance as the locked rate is low and fits within our budget, but I want to know is there any accountability that Bank of America and XXXX Appraisal? We also request that we do not pay for the inaccurate appraisal report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient enrolled me into an income based program over the phone. The program required automatic payments to be enrolled in the program. ( which I agreed to ) The program also granted me a forbearance for the time I was being enrolled into the program so that I would not be considered delinquent. ( when I enrolled in the program, I was not delinquent ) On the phone, Navient asked when I would like for my payment to be drafted. I requested for the payment to be drafted when my deposit hit the bank. On the phone, Navient said I would be fully qualified for the program after 3 successful payments. I said that was fine, being that the money will be automatically drafted. After the first payment was drafted, I found out they reported that I was delinquent and I did n't make a full payment. I was never told that the automatic payment would not be considered a full payment, nor did they ask me to pay the full payment ( which I was able to do at the time ) I also should not have been deemed delinquent because I was granted the forbearance for 3 months. Navient told me it took 3 months to process my forbearance which was why I was reported delinquent and they will not go back and change anything reported. I have had several forbearance with Navient in the past and it never took 3 months to process. Also, what is the point in granting a forbearance yet still reporting me delinquent? I have written several letters to get this resolved and called several times and they refuse to correct my credit report even though they took my money, never properly explained the enrollment process and refuse to honor the forbearance they granted me. This incident is preventing me from obtaining other loans and having a great credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Several credit reporting agencies are not able to monitor/ access my Equifax credit reports and score. The agencies attempt have been made and unsuccessful were XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I have contacted Equifax via phone and letters. I received a response back on XXXX/XXXX/2017 indicating my credit file with Equifax could not be located ; however I have made several calls to Equifax and verified all information during game calls and no explanation could be given why credit was not updating nor reporting. I received a letter on XXXX XXXX, 2017 stating my name and email and address are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
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 have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily  XXXX  as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.

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 06-03-2016 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (MI).
Issue: Making/receiving payments, sending money

Complaint: I utilize TCF Bank 's online bill pay. 
TCF allows you to set a " deliver by '' date, which is great, except it rarely actually happens. Historically, my rent check is often delivered XXXX3 days AFTER the deliver by date. 

I time my payments to correspond with my payroll deposits, to make sure that I am timely with my payments. I have payments going out biweekly. The payee in this case is my Chapter XXXX Trustee, for Bankruptcy repayment. 

The payment that was to be delivered by XXXX XXXX, was sent on XXXX XXXX, and actually received on XXXX XXXX and then deposited on XXXX XXXX. Meaning that the check was processed two days prior to my direct deposit from my employer. 
TCF then assessed an over draft fee for the {$500.00} Check, as well as an automated transfer to a small investing firm ( XXXX ). As my direct deposit would not be delivered to the account until roughly XXXX, XXXX XXXX there were no funds to cover the {$500.00} check. 

Historically, all checks to this recipient have cleared the day AFTER the " Deliver by '' date. 

It is my belief that this practice leaves open a potential for fraud, by processing mailed payment runs early, collecting overdraft fees and then hiding behind some disclaimer ( That I can no longer view on their site ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Abo ut ten y ears ago, my then husband had unknown to me gotten a credit card with my information. My ex husbands abusive behaviors led to our divorce at the time.   Lo and behold, I get a garnishment summons for an amount t I have no clue of. I have never had a  XXXX   XXXX  charge card.I have been divorced from my ex husband for 13 years now. I tried explaining to these  collectors bu t they wo n't budge. How do I support  XXXX  kids with my pay garnished.? Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit card () with CITIBANK, N.A. (AL).
Issue: Billing disputes

Complaint: I purchased an item from Macy 's and returned it before the payment was due. My account was charged a late fee and was charged for the " discount '' of the item I purchased. Later a payment was withdrawn in error from a closed checking account. When I called to inform them and asked them to stop the withdrawal they refused and attempted XXXX more causing charges from the bank. They agreed to waive the {$21.00} balance on my account and sent me an overpayment check for some of the charges. A month later I get a statement with a balance again even thought I have n't used the card. I call and they say it will be waived to zero. Today I receive a statement and the balance has doubled. I called and they said they made an error and it was n't waived and now they have charged another fee and reported it late on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled a cell phone agreement after the contract was up, and was charged a cancellation fee. I cancelled the phone in 2004, and was willing to find the collection companies because I knew my contract was up. I have a file with all the demands from XXXX, as well as all of my response letters. I have written in response to at least XXXX different collection companies and have never received a response or verification of a contract or any debt owed. 
I have been getting these demand letters for the past ten years. Enough is enough. this is harassment.

Company response to consumer: Closed with non-monetary relief