milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disputing the Chapter XXXX bankruptcy on that is listed with all credit bureaus. A Chapter XXXX, whether it is dismissed or successfully receives discharge, is on your credit report for XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with MCLEAN MORTGAGE CORPORATION (VA).
Issue: Settlement process and costs

Complaint: I purchased a home two ( 2 ) years ago and there was an known existing land use agreement with a public utility that limit my use/building on XXXX of my land but my realtor, mortgage company or title search company concealed this information to avoid me not purchasing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Account opening, closing, or management

Complaint: I am attempting to refinance my current mortgage that I have with XXXX XXXX Bank with XXXX Bank. XXXX pulled my credit history and in addition to my XXXX XXXX mortgage, another mortgage was listed with Bank of America ( BOA ). I have never had an account with BOA, and this is just an error on my credit report. 

I called BOA on XXXX/XXXX/16 to request that they remove this with the credit bureaus and send me documentation stating that this is NOT my account. I talked to a supervisor named XXXX who confirmed that it was indeed not my mortgage. He said he was unable to send me any documentation indicating that this mortgage was not mine because that would violate a " privacy issue. '' I am filing a complaint because Republic has advised that BOA should be able to send me some documentation - anything, stating that this mortgage # XXXX with BOA is not mine and it is an error that they are correcting with the Credit Bureau. I need this done promptly so that my refinance can be moved along with XXXX. 

I have sent a written dispute into BOA, but they have advised there is nothing they can provide me to prove that this is not my mortgage account. I think this is unacceptable and they should be able to provide something since this was an error on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND TRANSUNION AND XXXX AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a certified letter to Credit Reporting Agencies XXXX, XXXX, and Equifax in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XXXX XXXX 2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Mortgage) with The Regional Adjustment Bureau, Incorporated (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called Reg adjustment bureau. The next morning I called them, they claim to be collected for a company called XXXX XXXX XXXX XXXX and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to XXXX XXXX XXXX XXXX, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither XXXX XXXX nor Reg adjustment Bureau is taking responsibility for adding that mark on my credit report. Reg Adjustment Bureau is asking me to pay them XXXX to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent a prior dispute to this collection agency. They stated they have sent bills to me which I have never received also from an account I have no knowledge of. I also researched that this company is/was collecting with an expired license cancel date was XX/XX/XXXX-2014. So on top of sending me an original contract with my signature, I need to see if Commonwealth Financial is authorized to be collecting in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been paying on the loan for years, and noticed that as I have made payments, they have not been paying to the loan options I wanted to. when I contacted them, they said htey would correct it. I had to call back at least for 3 months in a row for them to readjust how I requested to have my loans scheduled. They also started, out of the blue, posting all my payments to one loan, and none to the others, causing me to get fees. I had to call them each month to make they repost the payments to the correct loans. I also talked to them about how I noticed my interest is not going down on my loan. I have made substantial payments to the loan to get them paid down, and it looks as if the interest amount has not changed as much. This year alone on one of the loans, I have paid over 3k, and my interest has only gone down by approx {$5.00} ( loan started at a little over 7k at the beginning of the year and now is paid down to about 5k. after arguing with them for over a year, I started paying using thier website and forcing it to pay towards the loans of my choosing. after looking thru the payment history, it looks as if the interest is still not posting correctly. I do n't know how to calculate it or to tell for sure, but it just does n't look right. whenever I call to ask them, they can not explain to me how it is calculated. I will be glad to send you any information on my XXXX payments that you want.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter in the mail started that I have an outstanding balance for capital one in the amount of {$3800.00} that I do n't even know about, I currently have an account with capital one at this time in good stand

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (MO).
Issue: Struggling to pay your loan

Complaint: I filed bankruptcy last year and the debt has been discharged since around XXXX, yet the title loan comapny continue to call and threaten and send letters. My lawyer has talked to them and explained that I have filed and that the debt has been discharged, they already knew but tried to lie and say the case was closed not discharged. My lawyers office also faxed them papers ( again ) proving that they debt was discharged in the bankruptcy. They took the car, finally like they should have done months ago, but now are sending letters that I have to pay them whats left on the loan once its sold. They would n't take the car until my lawyer had to contact them, they had been trying to threaten me with a tow charge whether I dropped it off or not. The company is mid american title loans in XXXX mo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Payday loan () with Federal Cash Advance, LLC of Oklahoma (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I had to borrow money from a payday loan-title loan from Cash Max to get my car repaired, because my credit was n't good enough to borrow from a bank or financial institution. I just want to know how they can charge the fees they charge each month. I can only pay {$300.00} a month, and {$270.00} goes to fees. I have been paying on this loan since XXXX 2016, and I have only been able to pay a couple XXXX dollars on the principle. The original loan was for {$3100.00}. I am sending you a copy of the XXXX payment for you to research. I do n't know if there is anything you can do to help me, but I have paid {$2400.00} toward the {$3100.00} original loan, and you can see what I still owe. These companies are ridiculous. I borrowed the money from Cash Max, but the actual lender is XXXX out of XXXX, OK.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan servicer is FedLoan Servicing. Their website contains numerous information about managing repayment. XXXX of the options concerns changing the due date of your loan. The site implies this option is available to all loans ( XXXX ). Lately, my rent check and my student loan payment have been taken out of the same paycheck. Due to this, I have received several overdraft fees from banks. I requested that my due date be changed on XXXX via e-mail as instructed on the site. I never received a response. Today, I called my servicer. The representative indicated that I could not change my due date in the middle of the year. Rather, I can only change the due date once the billing year has elapsed. I believe the information on their website is deceptive that anyone can change their due date upon request. 

I want to pay my student loans, however I just need the due date pushed back 6 days so I can avoid other costly bank fees.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I was able to access my Free Credit Report from  XXXX  companies  ONLINE ;   XXXX  and   XXXX    without any problems.     However, when I tried to complete the online process to receive my FREE REPORT FROM EQUIFAX, I was unable to. I was told I would have to submit PAPER COPIES OF ALL THE REQUIRED DOCUMENTS ( S.S. card, pay stubs, etc. ) through the mail.     I feel this is outright ridiculous and would put my personal & credit information in jeopardy.     I do n't see why I should not be able to access this information online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX, I attempted to refinance my mortgage with Wells Fargo using the HAMP program. I believe I fit into the classic reason the program was established. I was current with my mortgage ( never a missed or late payment ), but had lost my job in XX/XX/XXXX. I worked for XXXX XXXX and my annual salary was XXXX {$XXXX}. In XX/XX/XXXX I gained employment, but at a significantly lower salary $ XXXX. Through hard work, I was able to quickly increase my salary and was making $ XXXX by XX/XX/XXXX. Even with the increase, I was struggling to make my mortgage payment, but again was never late. HAMP was designed to help people in my situation. The stated intent is to modify mortgage terms so that the monthly payment is no more than 31 % of a persons gross income. At the time I requested a refinance my payment was 38 % of my gross pay. I was denied and encouraged to apply for a HARP loan. I agreed ( desperate to skip a month with no payment ). I did get a slightly lower rate ( from 6 % to 5.125 % ), but my old loan was " interest only, '' so the net was a higher mortgage payment. After the process my payment moved to 39 % of my gross income. I attempted to resolve this years ago and never got a clear reason from Wells on why I did not receive a HAMP modification. I finally dropped it, but after the recent news that clearly shows Wells did/does not have the proper governance and controls in place, I am requesting someone review my situation. I have since moved and found another lender to work with, but believe I am the victim of UDAP and there are likely others in my situation.

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 09/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo Home Mortgage is incorrectly reporting an account on my credit report. My account was closed in XXXX and for some reason Wells Fargo reported to XXXX in XXXX which is voiding the item from falling off the XXXX bureau by statue. I contacted Wells Fargo and they told me my file was archived and they could not verify information or help. This reporting is in violation of fair credit reporting practices and also preventing me from obtaining a new home loan.

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 01/23/2017 about Debt collection (I do not know) with American Coradius International LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from a company American Coradius International LLC claiming that I owe debt to XXXX, XXXX Account Balance is showing {$130.00} My current balance with XXXX is XXXX dollars and I 've never had any issues with XXXX . At the same time XXXX does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Well Fargo bank has fraudulently closed my checking and saving accounts 2 years ago and keep denying me opening a new one. They are completely not truthful in their business practices especially with " lower class '' people who make less money then what they want to see their clients do. I have already contacted them through Consumer Financial before. However, now I have new facts and outcomes that I am looking for to achieve. I will not stop until I get the outcome as I stand for myself and equally affected good American Citizens that make less money than a bank would like to see. 

First and foremost, what you explain in your letter is absolutely wrong. i have to admit that XX/XX/XXXX I have tried to make an ATM deposit of {$2500.00} with the check drawn on why business account at other bank. However, the funds were not present in that business account right that same second, they were electronically deposited into my business account the next business day to cover my check deposit with you. I have never done anything wrong, you may say I have if the check for {$2500.00} was accepted for the deposit and was not paid, but in my case, the check was never even accepted for the deposit! Your response is totally made up and is not based on real facts. You say that you contacted XXXX XXXX XXXX to see if the check will be paid. My question is why did not you ask XXXX XXXX XXXX at that time what is my business 's usually and average monthly transaction amounts to. I can assure you that I had {$70000.00} + in transactions each month. 
At this time, given all the fraudulent activity that is presently going on at your bank that is involved your CEO and is all public, I decided to change my request for the outcome. At this time, I am no longer looking to open an account with you bank and I simply do n't trust business practices conducted at your institution as I am sure millions of other Americans will agree. I am asking for monetary compensation for your fraudulent actions that lead to me losing time and and having all the frustration especially when you opened an account with for me XX/XX/XXXX and did accept my deposit and benefited from it for the few days that it was sitting at your bank, also I have lost considerable amount of business because I had switched all my direct payments and deposits to you at that time. 
At this time as my calculations stand, I am asking for a reimbursement of {$8500.00} that include treble damages. 
I expect to hear from you within 10 business days with the positive outcome. Please note, that I am ready and willing to hire a legal help to bring your bank to justice on behalf of myself and similar affected people and organizations as per advise of my attorney. 

XXXX 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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent dispute letters to Equifax,   XXXX    &   XXXX  in regards to verifying the reported Bankruptcy  XXXX  account Case or ID #  XXXX .  XXXX  and  XXXX  has not responded on this dispute and it has been over 45 days. Equifax sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that Equifax feels that they can use a third party  and not even be sure on the information they are reporting? It is not right and its unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt is being illegally reaged by this company. I have had this debt removed from from my reports by the credit bureaus several times and they keep reaging it and reporting it as new.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my 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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have just found out that the company that has my student loans is being sued by several states and your agency as well. My loans are held by Navient. I have the same complaint as others have voiced about not having been given any information about income based payments. Instead I have have been steered by Navient to delay payment with deferments which incurred huge amounts of interest. My loan now is over XXXX. Can I join in this lawsuit? What are my legal options?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (KY).
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: XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in  XXXX, Ky. Waited for over a year for it to go to court. Midland 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but XXXX refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.

Company response to consumer: Closed with explanation