milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i am receiving a threatening letter from a company called Portfolio Recovery Associates , LLC ( address is XXXX, VA XXXX ) telling me I owe several hundred dollars on a XXXX credit card I havent used in a couple of years. I called them, and they told me they are handling the account for XXXX Bank ( which handles debts for XXXX XXXX and that my credit rating is at risk. When I contacted XXXX, who connected me to XXXX Bank, they tell me my account balance is XXXX and that they have never heard of Portfolio Recovery Associates and do not ever sell their accounts to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: This was my first complaint submitted to CFPB : XXXX XXXX issued me a check in the amount of {$7500.00}. I never received the check. When I inquired about the check, XXXX XXXX stated that the check was cashed at Wells Fargo. I do not have a Wells Fargo account. I have called Wells Fargo on several occasions, but because I do not have an account with them, they told me that they could not help me. They then advised that I go to XXXX XXXX to file a claim with them. I contacted XXXX XXXX on numerous occasions. In one instance, they told me to complete a form and return it to them notarized, which I did. But when I inquire about the claim, they will give me the run-around, or worse yet, just ignore me. I have even gone down to the police station to file a claim, but they told me that they could n't help me, and to go talk to XXXX XXXX. 

Wells Fargo stated that they could not help me, and directed me to go to XXXX XXXX for help. I understand that XXXX XXXX is the one who issued me the money, but it was Wells Fargo who cashed my check to someone else. My check was not a small amount. Wells Fargo needs to do their part to find out who they gave my money to, and reimburse me because they are the ones who erred, not XXXX XXXX. Wells Fargo, needs to take responsibility for failing to cash the check to the right individual. If Wells Fargo was going to simply ignore my request for help again, why did they have me complete a notarized affidavit stating that I did not receive my money?

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax has put me on a do not call list, because I 'm trying to correct their mistakes that they refuse to correct. I 'm sick of dealing with these people, if they would get it right I would n't have to call. I have two accounts that are listed as open account, and listed as BK s as well, the BK should have closed those accounts.XXXX XXXX and XXXX XXXX. Also the two tax liens XX/XX/XXXX and XX/XX/XXXX should show realased, and then remove after the 7 years.everyone else got it right, why not them?

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am {$100000.00} in debt with navient. My monthly payments ( interest only ) would make it impossible to live. They have reduced it by half but only because I am looking to file for undue hardship ( I meet all the requirements for the three tests ) this new amount is still to much, as I have XXXX in federal loans as well, I intend to pay these loans because they make it so that I can make affordable payments. I have heard it is near impossible to file undue hardship and win with private loans. I would like to go back to school, have a career in XXXX, own a home etc. If I default on these loans these things will never happen. When I was able to make payments ( with XXXX ) they would try to say my payments were late even though it was set up for automagic withdrawl. I had bank statements showing they took the money but they still argued with me until I threatened legal action. A few years prior a customer service rep told me " people like you do n't deserve to have a life. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I gave XXXX and this was unable to work at the time until I resumed work two months later. I had spoke to sallie Mae informing them on the matter that I am on XXXX leave and unable to make payments at the time. They stated not to worry and that I will be placed on a deferment. I never received any emails or phone calls until about the second week of XX/XX/XXXX constantly giving me phone calls and I didnt get paid my first paycheck until XX/XX/XXXX. I then spoke with sallie Mae again saying I can enroll back in auto debit and then I made a payment and XXXX from sallie Mae told me my account was current and that if I make a payment it wont be reported to XXXX or affect my credit score. I received an email saying it did and I am very flustered because Ive been working very hard to improve my credit score as you can see all my accounts are in good standing. I would like to purchase a home in the near future so please help me in removing this error. I am currently working full time and am ready to make payments again. Just because I had a XXXX  doesnt mean I should get punished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Zenco Collections, LLC on behalf of XXXX XXXX XXXX is attempting to collect on a debt dated XXXX of which I have no knowledge of. In addition, they have pulled an asset report and are threatening to place liens and levies on my assets and garnish my wages through legal action. A message was left on my phone in which legal action was threatened without any verification of identification. A search of their phone number, reveals that it is a scam phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Aurora Loan Servicing is reporting my mortgage as " Delinquent XXXX '' to XXXX. This is incorrect and they wo n't change it. Aurora Loan Servicing transferred my loan to Nationstar Mortgage in 2012. My loan has been current the past 4 years. I 'm in a 6.6 % interest rate mortgage and ca n't get an approval to refinance because this trade-line is still being negatively reported by XXXX. The trade-line needs to read as follows : " Paid was 90 days, balance XXXX ''. I 'm attaching a copy of the credit page I got from my mortgage broker. Please Please Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WA).
Issue: Struggling to pay mortgage

Complaint: We have been awaiting short sale approval since  XXXX   XXXX  2017. the negotiator keeps promising the approval will be ready " in a couple of days '' but it never comes. Today I was told that the approval was not issued because they needed updated document. The documents which they requested  XXXX ,  XXXX   XXXX , an d Dodd fr ank were all updated and provided as of  XXXX   XXXX . Those documents have a 90 day self life and are not expired. This caused an unnecessary delay when the buyers are going to walk if the approval is not received by  XXXX   XXXX .

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 01-05-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I XXXX XXXX have things on my credit report that should not be on there. Certain things have reach there statue of limitations, and other things, where my social security number has been use as fraud. I would like this things taking off my credit card. I never had a mortgage, never bought a home yet.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with Comerica (OR).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Called on XX/XX/XXXX to confirm date of deposit for benefits being deposited into checking account. Unable to authenticate in the automated system. Could n't get in touch with a live person. Finally able to contact someone on XX/XX/XXXX and found out that the debit card had been canceled and a new card ordered on XX/XX/XXXX that was not authorized. I was able to get though to fraud on XX/XX/XXXX to get the fraud forms for the unauthorized debit card being ordered. Received forms on XX/XX/XXXX. Once they were received, was able to contact another live person on XX/XX/XXXX to retrieve the transaction history to see what transactions were unauthorized. Mailed the documents on XX/XX/XXXX and mailed to Texas from Oregon. Called in and spoke with a live person on XX/XX/XXXX to confirm the forms had been received and the claim had already been declined. I have disputed the investigation with the bank because they had not done their due diligence in allowing a person not me to order a debit card and drain my bank account and then deny my fraud claim per Regulation E. A police report with the XXXX Police Department has been filed. I was in the hospital and XXXX during the time of fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with NATIONSTAR MORTGAGE (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I originally filed a complaint to the FTC on XXXX/XXXX/15. On XXXX/XXXX/15 I called FTC to check on status of complaint and they referred me to you. Repeated phone calls started on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have received XXXX ( XXXX ) calls for someone I do not know. I answered the first XXXX calls stating " no one here by that name at this number, nor do I know that person, please do not call again ''. Finally I decided not to answer the calls, I just directed them to my voicemail, no messages left. 

I have had this phone number for over five ( 5 ) years. It is a registered " Do Not Call '' number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Pawn loan) with Advantage One Credit, LLC (MI).
Issue: Can't contact lender

Complaint: On XX/XX/2016 I took out a Auto Title loan from the company Advantage One Credit LLC for the amount of {$1500.00}. I am being charged a APR rate of XXXX %, but I am being charged finance charges daily. I fell a month behind and in XX/XX/XXXX when I called to state that I would be paying XXXX months of the loan minimum amount, a male employee started yelling at me and said if I do n't pay {$370.00} by the XX/XX/XXXX he would " love to come and take my vehicle and sell it ''. I was trying to reason with him and he just kept yelling and calling me names. I did pay the {$370.00} with money borrowed by the XX/XX/XXXX. I was then late with the XX/XX/XXXX payment as I had to pay the loan I got from a family member. My due date is the XXXX of each month. I received a statement for XX/XX/XXXX but I did not for XX/XX/XXXX. On XX/XX/XXXX, I called the company at their phone number XXXX from the time they open until they closed. I left numerous messages and I never received a call back. I look online and advantageonecredit.com and it said we will be back online soon. During this time I was concerned they would repossess my vehicle. On XX/XX/XXXX, when I tried to call again the recording stated " Please be advised that we are no longer servicing Advantage One loan. If you are an Advantage XXXX customer, someone from Advantage One will contact you. '' That phone number was XXXX. I tried leaving messages but the mailboxes were all full. I checked online everyday and there was no website. I made a complaint with the Michigan Attorney General 's Office and they sent a letter to Advantage XXXX in XX/XX/XXXX. They still have not received anything back. Today on XX/XX/XXXX I checked online and saw there was a new address, and phone number for XXXX XXXX in XXXX, previously in XXXX. I contacted my State Attorney 's XXXX XXXX and they urged me to make a complaint with the CFPB. This is a tribal title loan buy it actually states a " XXXX of XXXX ''. Also, the loan agreement does not include a TILA Box according to XXXX XXXX from the Michigan Attorney General 's Office. She did state she would send another letter to the new address, but since it is tribal, they may not reply. They do not hold a license in the XXXX of XXXX. I have almost paid back the {$1500.00} back, just shy of about {$50.00}. To this date I have not received any communication from Advantage One XXXX by mail, phone or email.

Company response to consumer: Untimely response
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (CT).
Issue: Problem with fraud alerts or security freezes

Complaint: It happened on XXXX/XXXX/2014. Someone gave me 2 {$200.00} checks to cash for him. I did then i realized my account was deactivated so I called my back. I recorded a claim for fraud and called the police. They did a police report and have a warrant or for the guys arrest. I sent it to the fraud department with the warrant and a letter but they declind my request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX, I received an email from XXXX XXXX XXXX  saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from XXXX where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXXand spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because Integra is using a third party collection agency Equitable Acceptance who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Other mortgage) with U.S. BANCORP (MO).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX i purchased a home with a co borrower. The agent of the XXXX loan in XX/XX/XXXX told me my coborrower could not sale or borrow without my permission. In XX/XX/XXXX my coborrower took out a loan without my knowledge and/or permission. The agent for the XXXX loan knew i was a coborrower and the property owner because i met with him and the coborrower in the agents office. I refused to complete the loan. The agent research the records of dead found a deed with just the my exfiance name and gave him a loan. The exfiance took that loan to another organization and refinance with them. The exfiance foreclosed on the property living me no way to nogatioate with the XXXX lender. The XXXX lender has sent a copy of the deed to me on XXXX XXXX that is filed on XXXX XXXX telling my i need sign them. Now the XXXX lender is sending the same threats as the XXXX lender. That i need to sign this deed to correct an error on there part or there will be legal action. I am asking for help to resol e this issue of false deeds being used to aquire loans and take back the possession of my home. I was driving at the time i was told about this site. I have more forms and information to submit it was not with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax,  XXXX  and   XXXX   XXXX   continue to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.
Each continue to list the dismissed bankruptcy on my credit file due to their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years.
However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, each of the   XXXX   reporting agencies have no right to maintain information which the government has deemed nonexistent.
Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, [ all   XXXX   ] must delete this information from my credit report and send me an updated copy when this action is completed.
I previusly provided each of the three agencies with Court Order related to the public notice filings, to wit : Attachment # 1 : CASE NO.  XXXX  was DISMISSED on XX/XX/XXXX  and therefore should not be on my credit reports. Attachment # 2 : CASE NO.  XXXX  was DISMISSED on  XX/XX/XXXX . Attachment # 3 : CASE NO.   XXXX    FINAL ORDER discharging the Trustee and closing the case without a bankruptcy discharge and/or any other relief.
These Court ORDERS should be sufficient in supporting my contention that each of the   XXXX    Credit Bureau s, Equifax,   XXXX  and   XXXX   XXXX   should immediately remove these Public Notices from my credit reports and provide me a clean report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: *I have reviewed my Credit report and found several account unrecognized items from your office PHOENIX FINANCIAL SERVIC # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc ... I can not seem to locate any files or paperwork that show PHOENIX FINANCIAL SERVICES is in compliance as far as HIPPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: The mortgage company changed the loan terms to a more expensive loan well after it was aware of the change in circumstance that they allege necessitated the change. It seems they implemented a fraudulent bait-and-switch. 
After shopping around for loans, we went with this particular company because of they offered loan with a lower interest rate and a substantial lender credit. Apparently this loan was based on the property we were purchasing being a town home - as opposed to a condo. When we initially spoke with the loan officer, we noted that we did not know if the property was a town home or condo, and that we did n't even know the legal difference. The loan officer went with a town home when generating the loan estimate, without letting us know that the loan would be significantly worse if the property is a condo. It is noteworthy that the loan officer was viewing the property listing and the listing indicated the home is a condo. Thus, the loan office should have known the correct type of property at this time. 
Regardless, well into escrow, almost approaching the originally promised close date, the loan company informed us and sent us a revised loan estimate specifying a loan that eliminated the lender credit, now required us to pay points, and required a much larger down payment. ( Interestingly, the revised closing estimate did not compare the revised loan with the original loan. ) The loan company said that this change was due to finding out from the appraisal report that the property is actually a condo. However, the appraisal report was sent to and reviewed by the loan company 10 days before they sent us the revised loan estimate. This clearly violates the Consumer Protection Rules that any revised loan estimate having such a large change be provided to the buyer within three days of the " changed circumstance '' that triggered the change. 
We attempted many times to resolve this issue with the loan company, but they would never work with us and instead tried blaming us for the error, claiming we told them the property was a town home, which we did not. 
This process seemed to us to be a fraudulent bait-and-switch, where the loan company promised us favorable terms to effectively bait us in, and then switch to a less favorable loan when we were well through the process, knowing that we would have a very difficult time switching to a different loan at that time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation