milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Settlement process and costs

Complaint: I recently completed a refinance with Wells Fargo. I regret this decision greatly, but so deep into the process I was afraid to back out and start over with a new company. I was not sure of the ramifications it may do to my credit. The entire process took over 3 months to complete. XXXX Normal mortgage processing time is XXXX days XXXX. In the meantime I was mis-communicated to or under communicated to. ( At XXXX point I went a month with no response on the status. ) I was lied to from the beginning with promises that were not granted at the end. Now, they will not respond to me at all. Papers are signed, they got paid so now they do not care. The level of customer service I received was horrid to say the least. Now that I have been discussing this on social media I am horrified by the number of responses I have received telling of thier poor experience with Wells Fargo. I want consumers to be aware that this company does not have your best interest at heart. Of course banking institutions as any business must make money but Wells Fargo crosses the line. They are not there to help, will not answer questions and seem to be poorly trained. At XXXX point I had to seek out a manager and she was just as bad. No follow up, no apology, no explanation. 
They charged much larger fees than other mortgage companies would have as well. 
I have reached out for help within the company and not XXXX person will respond to 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 03-03-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: I was working with XXXX XXXX XXXX. I received a packet from the mortgage Co. Specialized Loan Servicing LLC Saying they had approved us for a Standard Modification. 
The interest rate was suppose to be lowered and it 's still the same. The payment only went down about {$200.00}. I am disappointed about it too because they said that it would be about {$600.00}. - {$700.00}. monthly payment. Now it 's XXXX. And after the end of the payments we 'll owe a Balloon payment of {$76000.00}. I am not understanding this. Need a lawyer.Which I do n't have the money for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access.
refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.

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

Complaint: credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my Bankruptcy XXXX removed from all XXXX credit bureaus, as i have spoken with all XXXX credit bureaus, and they respond with the statement " we have validated this Public Record with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: on or around XXXX XXXX 2017 capital one put a fraud alert freeze on this account, ok they wanted proof of address and proof of id which was sent then they wanted bank statement showing the address we sent all those then they said they needed the full account number for the bank account they were not accepting what was sent to tthem, so we got the bank to write a letter showin the full account number name and address now capital one is saying the bank wont verify the information over the phone, I explained to capital one that banks do n't verify personal accounts over the phone only with the account holder which capital one should already know that, also XXXX XXXX I tried to make a payment for full amount due they did not accept the payment because of the fraud alert issue, that for some reason they put on, then 5 weeks later I get a bill charging interest on the amount they did not accept for payment. anyways they have aggravated us wasted our time with phone calls callin banks sendin paperwork to tthem to prove who we are and still nothing I feel we are owed some kind of compensation for all this and capital one needs to be investigated for their behavior and handling of these so called fraud allegations, I am wilin to pursue this in court in need be. just as the bank told me they 've never heard of a credit card copany demanding a persons full account number for a bank account to verify proof of someone the bank even thought this was little shady and for us to be careful.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with ACS Education Services (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I started at XXXX XXXX College in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to ACS first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto XXXX and added more money.Now XXXX is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay XXXX XXXX for money that I did not borrow. I 've ask XXXX for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and XXXX and ACS. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as ACS taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with XXXX so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that XXXX ACS and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and XXXX Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (VA mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for modification with my lender with the understanding that I am working with XXXX. I got denied because of my income according to them. I wanted to further work on it but it was too late for me to do so because my eligibility with XXXX was over. I applied again letting them know about my eligibility with XXXX. All the while they said it is notated in my account. I got approved although my income was still the same with {$49.00} less than what I was paying when I got behind. According to US Bank my approval has nothing to do with XXXX. 

I have been in contact with XXXX about the situation. They have been sending messages to US Bank to send them the documents they need to move forward with my eligibility. I have been contacting my lender as well but it looks like the right hand is not talking to the left hand and most of them do not know about XXXX and what I 'm talking about. Some who know would transfer me to default resolution dept. and I left her messages but nothing has happened and would not return my call either. I need to respond to US Bank about my modification and pay my first trial payment on the XXXX of XXXX which I can not afford. My eligibility with XXXX is expiring in XXXX XXXX also. It 's been more than 2 weeks but nobody is able to help me from US Bank about the documents that XXXX needs. I call them everyday talking to different people with different statement about this matter. If they can only evaluate my modification with the help of XXXX and still ca n't afford the payment then I will quit asking for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Starting in XXXX XXXX I ask for help with CITI BANK to do a modification our repayment plan, I had XXXX BANK Representatives each told me they could resolve My situation IN 90 DAYS, here it is a year latter XXXX XXXX no one seem to care I also had XXXX a housing Counselor Help me and the day today XXXX XXXX XXXX the day before an auction then they said to file a complaint with you, I had anything but a run around from everybody and now CITI BANK wants {$19000.00} for lawyer and bank fee when this loan should been resolve XX/XX/XXXX before it even got in to FORECLOSURE, I did not know it was in foreclosure till XXXX XXXX when I again ask for help when I got Layoff from my job, I Have a New Job and the BANK does not WANT to work with me or XXXX I have all paper work And e-mail I an tired of all the run around I have gone through to get know were, so I ask you for help to see if we can get this resolve, because you are my last resort HELP me as soon as YOU can because I did nothing wrong all I did was ask for help now I owe 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 03/18/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: My name is XXXX XXXX. A few years ago PayPal opened a credit account under my name without authorization, at some point a purchased was pushed to that account. At the time I was unaware of this until PayPal insisted I make a payment on the account or risk my credit report ranking. After some wrangling back and forth I paid the dept and PayPal assured me they would close the account and would ensure it would not happen again. A few weeks ago I got another demand letter from PayPal with regards to yet another " open case '' regarding my PayPal credit account, demanding payment and notifying me they have been reporting the delinquency to the credit agencies. I am refusing to make payments- this account was never authorized by me and I did not want a credit account. My credit is steller and I am virtually debt free- I dont need credit from PayPal and this cycle has to end. What can I do here? Seems nothing I do will stop them from opening unauthorized accounts and feel there is no way to punish PayPal for doing this other than to pay a lawyer out of my pocket to formally get them to stop- however dont believe the financial burden should be placed on a consumer who never authorized an account to be opened in the first place. Please advise ... I 'm sick of this company getting away with things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX or XX/XX/XXXX our mortgage loan which resided with XXXX ( XXXX ) was sold to Gregory Funding ( XXXX ). Since then, we seem to have one problem or another with this company. First they were charging us incorrectly and it was n't until speaking with them at least twice did it get corrected. For the past 8 months or so they keep calling us and sending us letters that our mortgage payment is late every month. The issue is that we have it set up for auto billing which automatically debits our account. We speak with them every month, tell them its on auto payment, then we do n't hear from them until the next month. This is getting really annoying and I am afraid that they are at some point going to report this to the credit companies. ( The also did not respond to our flood insurance on a timely basis which made our premium increase. This has since been corrected through a call I made to my insurance agent. )

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I discovered on my credit report Wells Fargo is reported a card opened XXXX XXXX, XXXX, this account closed/charged off on XXXX XXXX, XXXX, noting I made a payment XXXX XXXX,, XXXX, WHICH I DID NOT, and last reporting XXXX XXXX, XXXX. I have been on XXXX since XXXX. I do not even know what this is!! I called Wells Fargo, was transferred to collections, then recovery. NO ONE COULD FIND ME BY MY SOCIAL! I want this removed from my credit report. I do not even know what it is, let alone have made a payment in XXXX XXXX! Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with Keystone Credit Services LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original debt took place on XX/XX/XXXX  ( that was the date of the last invoice that I never did receive ) The last amount owed on  XX/XX/XXXX  was {$880.00} From XX/XX/XXXX  to  XX/XX/XXXX , I received no communication with original debtor on amount owed. After almost six years I had the {$880.00} amount show up on my credit tracker as a debt in collections, by a second party, original creditor sent to collections to Keystone Collection Agency. I tried disputing the charge on  XXXX  but with no luck. Now one year after it being on my credit I received a letter stating that " for complete credit removal '' pay the amount above. The amount disclosed in the letter I received today  XX/XX/XXXX  is for {$1700.00}. In my original agreement with the first creditor does state that " Accounts over 60 days past due will be charged finance fees of 18 % per year ''. Well since he took over five years to even send a bill, the first 18 % interest charge would be due now. However, {$880.00} x 18 % = {$150.00}. I am very confused to where the difference of {$700.00} comes in. That is a very large amount of money to try and get payment for with no source of to why it is owed. I am attaching my original debtors invoice, along with the letter I received today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a private student loan issued by XXXX XXXX XXXX opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was XXXX. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONS DIRECT MORTGAGE, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i have already took action for this and requested the creditor to remove the late payment for the month of XXXX 2017, i have send my payments online and onetime, it has to be a banking error for which has reflected my credit bureaus. therefore i need your help in order to have this inaccurate delinquency to be removed from my creditor and the all three major bureaus thank you for your cooperation.

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 10-04-2017 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: ( XXXX ) XXXX called and left a voicemail stating that his name is XXXX XXXX from XXXX XXXX. He requested that I call back XXXX XXXX XXXX XXXX about verification of address and liquidated assets. XXXX XXXX then contacted my employer and claimed that I had a criminal complaint against me and that I had committed fraud. He also stated that XXXX XXXX had a judgment against me. I called and attempted to get information from XXXX XXXX and he would only ask me to verify my SS # and that I owed a debt. He would not tell me who the debt was with. I asked him to not call my place of employment and he refused saying he would continue unless I paid the debt. I requested to receive information regarding the debt by mail and he refused. I informed him that I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: the reply from freedom mortgage makes no sense to me, the loan modifical would put me in a better position, with a lower payment and a fixed rate. the payment would not grow bigger than my XXXX check. i am a XXXX veteran. just looking for a tiny bit of help

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 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Well, 4-5 years ago I had cable XXXX and always paid my bill on time but was very unsatisfied with the service. ( They did n't hook up the right amount of boxes for the amount of rooms then wanted to charge me {$100.00} to get another box that I was suppose to have gotten for free at initial hook-up, so I just let that go and stayed with the one box I got. I did have to pay to get switched to the channel line-up program that I was suppose to have had to begin with. : just a couple of examples of why I was unsatisfied ) So I decided to cancel my service, and just learned that they 're still XXXX 4-5 years later ) trying to collect {$380.00} just for cancelling my service early. I did n't even know that they 've sent it to a collection agency until now. There 's no way I can pay that because I raise my XXXX kids by myself and have to scrape just to pay regular bills and necessities! How can I get them to drop this debt? And I had service through XXXX in either XXXX or XXXX so I 'm wondering why they waited until XXXX to send the debt XXXX to try to collect it. (? )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An account being reported on my Experian credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX- it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.

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 01/18/2018 about Debt collection (Medical debt) with FirstPoint Collection Resources (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: NO CONTRACT WITH THIS COMPANY ABOUT THIS ACCOUNT

Company response to consumer: Closed with explanation