milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I recently looked at my credit reports and noticed that Wells Fargo Dealers reported negative marks 30,60,90 Days Late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX XXXX ( my credit card company ) was to provide an Experian score every month. Experian has consistently reported an erroneous score ( XXXX points shy compared to XXXX and XXXX ) and punitive in nature since my inquiries to CFPB ( above case reference ), and currently did not provide any score even though XXXX XXXX has reported to all of the credit reporting agencies on XXXX/XXXX/2016. Upon review, all the credit agencies should have the XXXX information ; so why does Experian have an XXXX point difference?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I cancelled my cable and internet with XXXX. 

On XX/XX/XXXX I returned all of my equipment and received a confirmation from XXXX that it had been received along with serial numbers In early XX/XX/XXXX I began to receive calls from XXXX about a bill of {$160.00}. After looking into the matter with XXXX they told me it was a service charge for XX/XX/XXXX. After submitting proof I had discontinued services they said that is was for equipment. I again submitted proof and they said over the phone that this matter was resolved. 

In Mid XX/XX/XXXX I began to get calls from a collections agency. After checking with XXXX they said they are no longer able to remove the charges since they were in collections. 

After filing a dispute with the collections agency with proof, the derogatory mark was removed. 

On XX/XX/XXXX the same derogatory mark reappeared on my credit score. I know it was the same because of the amount and the fact that I have never had another mark. 

After filing a dispute with the collections agency, diversified consultants inc, I was not able to get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AD Astra continues to report information on my credit report that is in violation with the FDCPA, Fair Debt Collection Practices Act. AD Astra continues to violate the Fair Debt Protection Collection Act by reporting information and claiming that I owe them monies. I have never entered into any contract or agreement with this company. Because they are a 3rd party collector, they must receive my permission to furnish any information on my credit report. They did n't do that and I will never give a debt collector permission furnish information on my credit file. They also violated a cease and desist letter sent to them by me, certified mail. They continue to contact me claiming I owe them monies. I have asked over and over to send me debt validation and were not able to validate anything but continue report false and misleading information on my credit file. They are affecting by ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was in the process of refinancing my house and the company doing ran a title and lien search upon receiving the report there were a number of liens one in particular is for XXXX XXXX XXXX from XXXX XXXX XXXX now she is not on the title, deed, or for that matter any mortgage loan papers now she is my wife and she can not find any paper work notices or otherwise on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.

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 05-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My loan is currently overdue. I have been trying to work with Wells Fargo to resolve its overdue status. Wells Fargo has refused to work with me in good faith. It 's actions include : ( 1 ) After being notified that I was to start a new job on Monday, XXXX XXXX, 2015, it threatened to set a foreclosure sale date unless I provided 30 days worth of pay stubs by Friday, XXXX XXXX, 2015, the business day before my new job begins ; ( 2 ) It has twice offered to enroll me in assistance programs only to tell me that those programs do not exist when I tried to accept the proposals ; ( 3 ) Wells Fargo proposed a streamline loan modification and offered me the chance to appeal by submitting additional documents, but then refused to consider the documents I provided ; ( 4 ) Wells Fargo has refused to communicate with me at all and is now communicating only by telephone during hours that I have informed it I do not have access to a telephone. 

All of the foregoing is summarized in the attached letter from me and the accompanying documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion would not respond to disoute although the {$180.00} was paid off and  XXXX  did respond and has account closed with  XXXX  balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am about 7 months past due on my mortgage due to loss of income. I now have sufficient income to make my mortgage payments again due to being a XXXX veteran so I submitted a modification package to this company on XXXX/XXXX/16 because they are trying to foreclose on XXXX/XXXX/16. They confirmed that they have a complete package and it is in review even sent me a letter to confirm yet they refuse to postpone the sale date until they have a chance to review. I told them this is called dual tracking and is illegal. They said they did n't care and will not postpone the sale date. Please help me, I want to keep my home. I served this country and in the process became XXXX and now I 'm losing my home. All I want is to keep my home now that I have the sufficient income and I am not even that behind on payments. Help me please!

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 10/21/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Saturday, XXXX XXXX I received an email from at Capital One Bank with the subject " Here 's the code you requested ". I called the number provided in the email. The woman said, " It was sent to all customers for security purposes. You 'll need a code the next time you log on ''. On Monday XXXX XXXX at XXXX I received an email with subject, " XXXX XXXX was added to your account ". Then at XXXX I received an email saying, " Your email was successfully changed ''. At XXXX another email saying, " XXXX XXXX was added to your account ". I called immediately only to be put on hold for a significant amount of time. The woman told me someone had changed the email to XXXXXXXXXXXX, which I did not authorize. She then said she would place a hold on my account. The next day, however, my mother received a call from XXXX in the " Security Dept. '' asking for permission to allow XXXX XXXX to take out a {$5000.00} loan. My mother was a signer on XXXX of the XXXX accounts. XXXX then called me, left me a voice mail asking to call her. I tried twice that day & left a voice mail with my name & phone #. I never received a call back. The next day, XXXX XXXX XXXX, I went to a Capital One branch, closed all accounts & opened XXXX Capital One 360 account. The manager XXXX, said I had to return the next day to transfer the funds. Thursday XXXX XXXX, I returned, he transferred money from all accounts, we called the security dept, spoke to XXXX who said I was all clear to create my online username/password only to find out later that day, I was unable to do so. Over the next 9 days I spent, trying to access my funds. Finally, last Fri XXXX XXXX a total of 9 hours 57 minutes on the phone, mostly on hold, I was able to access my new account. I logged in today & while on the Account Summary page I see XXXXXXXXXXXX with a link to update the email. XXXX, I 've never seen my personal info on the summary page. I 've just spent the last 43 minutes on the phone with " XXXX '' in the Security Dept who said when they opened up the Capital One 360 account they just transferred my personal info ( including XXXXXXXXXXXX ) from the " XXXX '' account. He claims he deleted the hacker 's email & nothing else was changed. Forgive me if I am not convinced.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Credit decision / Underwriting

Complaint: Issues wereXXXX. M & T Bank requested our credit report without our approval. 
XXXX. M & T Bank dispersed out property tax payment on XXXX XXXX, 2015, however the did not actually pay our taxes to the XXXX XXXX County Tax Assessor. Eventually we were able to have them pull our payment from their pending wire transfer and refund us. They did not pay us interest until we complained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GOLDMAN SACHS BANK USA (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NC).
Issue: Shopping for a loan or lease

Complaint: One main put a hard inquiry on my credit report that I didno consent to

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: I lost my job 4 months ago and started receiving Unemployment Benefits last month. I fell behind on my monthly car loan by 3 months. I made a small payment on my car loan this past week in order to try and catch up on my loan. However, Nissan Motors, the loan holder, repossessed my vehicle this morning. I gave them a call and they let me know that I owed 3 months of payment totaling {$770.00}, however, they are also charging me a ridiculously high repossession fee of {$400.00}. They are letting me know that if the {$1200.00} is not payed within 10 days, they will auction off my vehicle and I owe them whatever balance remains after sale. I am more than willing to pay the {$770.00} I owe on my loan payments, however, this extra {$400.00} repo fee they are unnecessarily charging me is going to make it impossible for me to afford getting my car back. I have a few job interviews coming up soon, and I ca n't get to them without my car. I 'm now stuck without a car and without a chance to get reemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: In XX/XX/XXXX I was under XXXX XXXX when the truck I purchased through Santander was totaled. The person ran into me on XX/XX/XXXX on my way to church. The police report number is XXXX. The XXXX XXXX case number is XXXX. I did a substition of collateral with XX/XX/XXXX/under written by XXXX XXXX XXXX. Insurance number was XXXX XXXX. I purchased a new car with the insurance funds. Yet payments was still being payroll deducted from XXXX XXXX XXXX XXXX. Their EIN # is XXXX, payments was payroll deducted. I was laid off XX/XX/XXXX, I was no longer employed with the company to stop payments. My severance packet was continuing to go to the courts and the bank. XXXX XXXX XXXX XXXX XXXX posed as a paralegal with the XXXX XXXX XXXX. I used the money from the insurance to purchase a XXXX XXXX XXXX with XXXX. The vin number on that vichle was XXXX. The policy number on the XXXX XXXX for the insurance was XXXX XXXX. My drivers license number is XXXX, social security number is XXXX. My new insurance policy number was XXXX XXXX XXXX. I was discharge in XX/XX/XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There was a home invasion burglary of my home in XXXX, XXXX. Since then I have had my identity hijacked, and am the victim of identity theft. I have been bombarded with attempts to open credit in my name on a regular basis for the last year. I have placed a FRAUD ALERT that requires the creditor to call me before approving new credit in my name. So far this method of protection has protected me against about 30 attempts to open new credit in my name. However, on XXXX XXXX, XXXX, I received a letter stating that Synchony Bank in Florida had issued a new Walmart credit card to a XXXX " XXXX ''. Please note that is not my current last name! I called them, and they would not close the account, even though I informed them of the fraud! They did check the credit bureau prior to issuing credit. If they had checked the credit report, they would have seen that there was a " FRAUD ALERT '' requiring that I be called prior to approving new credit. They did NOT call me! I was forced to call Walmart Corporate office to inform them of the fraudulent credit card approved by Synchrony! Walmart Corporate assured me that they had closed the fraudulent account. I would like to file a complaint against Synchrony Bank for issuing fraudulent credit that could have been prevented if they had followed policy and checked the credit report, and then called me before issuing credit as specified in the credit report!.

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 09-08-2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We were going to refi with our mortgage company, they lied to us about charges, we cancelled. they said we would have NO charged repeatly. We have a {$30.00} charge that I 've called every month for 3 months now to get taken care of. They give me the run around, XXXX department says I have to talk to the other and vice versa, no one seems to know whats going on. Refi department says we will not have to pay it but customer service needs to fix it. customer service says we have to talk to refi. then we get the same run around. month after month I call and then get the same run around and the charge is still on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Columbia Collection Service, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an account that is placed in collections for a medical bill, I have no way to get a hold of the company where this is from due to not receiving any bills from this at my add. I do n't know when this bill was applied since I have n't been at a hospital in a long time, I have n't had any emergencies occur. I 'm also not able to place a dispute as my XXXX does n't let me it says I need a account number that I do n't have, please help me out. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The debt is past the statue of limitations and its also older then 7 years. I have disputed and asked for it to come off all the credit reports and somehow it has stayed on. its over 7 years old.

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 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I paid as agreed and they are charging me for a vehicle I was not at fault in an accident they are ruining m y credit score bec ause they know I am coming into some money where they are insured themselves, and their corporate office is taking advantage of my military, and veteran status as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute with all 3 credit bureaus in reference to a Public Record/ Bankruptcy, the Docket # is XXXX. It was stated to me through updated credit reports that the information was verified through XXXX. I contacted XXXX, because and was told that no one has contacted them about my consumer report between XX/XX/XXXX and XX/XX/XXXX. I requested verification of the accuracy of this information being reprted. Since XXXX was not contacted by any Credit Bureaus, I would like to claim that the information that is being reported is erroneous.

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 11/28/2017 about Debt collection (Other debt) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Creditor : XXXX XXXX XXXX XXXX XXXX - Another person took out cable service under my name and in a different state. I have completed/signed and sent an affidavit with the creditor. Filed a local police report. The creditor just made there third attempt with another collection agency ERC - XXXX, FL. 

XXXX XXXX XXXX Ignores the law ... .. Simple : take legal action and receive a court judgment if I am accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX   is reporting a collection from  XXXX  #  XXXX , shows the original creditor as  XXXX   XXXX   .  I have not has  XXXX   XXXX  in over  10  yrs

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