milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a statement ( not itemized ) from Rent Recover Solutions, XXXX saying that a balance of {$5100.00} was due from 2012. This communication was mailed to my place of employment and to a post office box that I no longer have. 

The original bill is from the XXXX Apartments and was in the amount of {$650.00} which was not paid. The XXXX Apartments sent this to collections where it appears fees have incurred. 

Rent Recovery Solutions is threatening a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I have been excessively charged throughout my time add a customer of Wells Fargo. The amount in overdraft fees I have paid exceed {$1100.00} to date. Recently they have " reordered transactions '' in order to impose a overdraft of an item that is automatically debited each month, first of the day. I check my balance regularly to prevent any mishaps. This particular item was later reordered after another checking my balance notice no pending transaction, and available funds, in order to make a transfer into a family member account. Again I check my account and notice a negative balance because the reorder, I then go and make a deposit to cover account in arrears in cash. Though trying to prevent fees, this Result in a fee incurred. This is a business account, which have merchant deposit directly into the account. I receive notification of monies deposited on the same same day in discussion. however, Wells Fargo Bank fail to show this deposit or recognise this transaction in order to impose fees. Upon which Wells Fargo Bank decided to overlook that and charge me anyway. This is a summary of the latest incident which occurred XXXX/XXXX/16. I spoke to associate about reversing and to explain practice, which he denied any bank error had occurred and denied my request.

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 monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I do not recognize nor have I authorized these inquiries. I have a fraud alert on my credit profile and the above listed inquiries should not have been generated without contact and permission form me first. 

Please have experian delete these from my 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 01/18/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX I got this automatic message from the number above. She said they were from the Consumer Protection Association. They left a number to call and a reference #. 
I XXXX them and called them at their billing number. There was no answer. 
I checked my credit report. Harris and Harris Ltd. Checked my credit yesterday, just the day when the weird phone calls started happening. Why are they calling me when they do n't even say what I owe? I do n't have any outstanding payments that I know of. 
Please check into Harris and Harris ltd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a withdrawn Federal Tax Lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release form XXXX that has been stamped and signed by the County Courts. I have attached a copy of this form with all court seals and sign off. Equifax continues to improperly report the liens and refuses to recognize the withdrawal which is against the law. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On or around XX/XX/XXXX I contacted Cardmember Service @ XXXX to question how payments would be applied to my balance transfers ( I  have multiple ) because there was one that was set to expire XX/XX/XXXX ( approx.  balance of {$1600.00} ). The representative ( a women 's voice, but I did n't write it down ) stated that if I make a payment that it would pay off that balance transfer set to expire XX/XX/XXXX and anything above that would be applied to the balance transfer set to expire XX/XX/XXXX. I called today, XX/XX/XXXX ( after  reviewing my statement ) and realized this was not a true statement. I called Cardmember Service again and spoke to a women ( again I did n't catch her name ). She was telling me the same information and I continued to tell her that was not how the payment was applied. She needed to place me on hold twice before she stated that the way I was told the first time was incorrect and that if I made a payment more than the minimum anything above would be applied to the latest transfer I made and not the one set to expire. Had I been told that it XX/XX/XXXX I would have continued to make the minimum payment and made my larger payment once myXX/XX/XXXX transfer expired ( so they could charge me 10.24 % ). The lady stated there was nothing else she could do for me without me obtaining fees so she transferred me to a supervisor. Once the supervisor ( XXXX ) answered I needed to tell my story again and the only answer I received was that I could not have called in XX/XX/XXXX because it was not documented in their computer and I was never given miss information and he offered no help/solution. I work in XXXX XXXX and I am very familiar how this works. I stated that and told him I in fact called and was given information. He still offered no assistant other than because his computer stated I did n't that I could not have called and received this information.

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 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 09-09-2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Struggling to pay mortgage

Complaint: I have been struggling to keep my mortgage payments current and I 'm doing everything that I can. I have made several late payments but have recovered. I just got a letter from my mortgage company saying that my escrow account was insufficient by {$5000.00} and they need to collect the money. With the increase in my escrow from anticipating next years taxes and re-paying the mortgage company for deficit in my escrow this year my mortgage payment has increased almost {$800.00} per month. This is more than I can afford and I 'm afraid I will lose my house. I bought the home a year ago and I just do n't understand how my escrow could have been so incorrectly measured. I ca n't afford the {$5000.00} hit and with a brand new loan I do n't understand how this could 've happened. I called Penny Mac yesterday ( XXXX/XXXX/XXXX called at XXXX central ) and they would not or could not explain why it was so underfunded. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have made  3 p ayments to the  Student Loan Servicer   Fedloans Servicing . I made a payment on  XXXX ,   XXXX   and  XXXX  electronically through my  Bill P ay on   XXXX  . The first and Third payments required me to contact them to locate the payment in some sort of file and have them apply it to my account. My account number is associated with this payment each and every time and the second payment I had no problems with. I 'd like to file this complain and have assistance in moving my loan to another service agency who knows how to handle electronic transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 12/31/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (AZ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased my XXXX XXXX XXXX XXXX XXXX with a cobuyer. Made all my payments on time. I was no longer in communication with the cobuyer shortly after purchase. Come XXXX XXXX I got into a car accident. The accident was the other parties fault and I took the vehicle to a repair facility of my choosing for repairs to be fully covered under the other parties insurance. While my vehicle was being repaired ( fully tore down, parts ordered ) the cobuyer came to the repair facility with his own tow truck and took the vehicle without me knowing to another repair facility that I could not find or get ahold of. My repair facility informed me of what happened. I contacted the cobuyer multiple times to get my vehicle back. The cobuyer told me the vehicle was going into a bankruptcy and that I was not getting my vehicle back. I stayed in constant communication with Flagship and they informed me no bankruptcy was ever filed. Because the vehicle was not actively being repaired the insurance stopped paying for my rental. I was forced to return the vehicle and having XXXX kids being a single parent I needed transportation to get them to school and myself to work. I purchased another used car. The cobuyer told XXXX that they were not going to pay on the loan and hide the vehicle until it gets repossessed. I had NO WAY to get my car back and could not afford to pay on two vehicles. I tried to voluntarily surrender the vehicle so that the cobuyer would too then I could redeem, I asked if once it was recovered if I could get it back then and continue to pay on it. I tried to refinance the loan into my own name and was n't able to. I tried everything I could. Flagship informed me that even if I were to regain possession of the vehicle the cobuyer could still come and take it again. So after learning that, I had to let it go. I worked hard to get my credit score up and maintain that loan. Like I mentioned before I made every single one of my payments on time. Due to the cobuyer bullying me out of the vehicle and forcing the vehicle to get repossessed I am now stuck with this loan, a charge off, and a repossession and I truly do n't believe it 's fair. PLEASE review the whole situation and all the calls. This situation was well out of my hands and I had to take care of myself and kids unfortunately resulting in letting the vehicle go.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: I noticed an unrecognized and unauthorized transaction on my credit card. 
Since I am a busy person, I have not noticed this suspicious transaction up until my accountant asked me about it when he reviewed my statements before the tax season. 
I feel really bad since I contacted the bank twice and both times they rejected my claim without providing me any proof that it was me that actually made those transaction. 
I would like to get all the details on why the bank decided to reject my claim. 
It does not make any sense that i will lose over {$5000.00} without getting any answers.

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my Experian and XXXX REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter

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 11/30/2015 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Per the purchase contact, I was required to double apply with New American Funding. My original lender XXXX advised that they would not be able to lend on the complex. New American Funding ( Loan officer XXXX XXXX ) told me that XXXX American Funding would be able to do the loan because they had previously closed in that complex and they had the condo certification and approval so there would be no issue with the loan. I proceeded. The loan officer called me and said that the loan was approvedand about 2-3 days later I received the approval via email. My realtor emailed the loan officer about removing loan contingency and from what I can tell there was a verbal go with removing loan contingency. I signed off. Because of the lender New American Funding, my cling date was extended 2-3 times. At the 11th hour, right before we are scheduled to close, the loan officer calls me to tell me that their underwriter is requesting a full condo review. The end story, the loan XXXX calls me to tell me that they can not lend on the complex. Now my $ XXXX deposit is at risk. I received a Cancelation of Escrow with the funds to be held.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing information so I have the records to indicate my standing

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX checking account with a promotional offer ( XXXX - receiving XXXX bonus AAdvantage miles after meeting requirements ) on XXXX/XXXX/XXXX. After completing the purchase and billpay requirement associated with the promotion in XX/XX/XXXX, I contacted Citi customer service many times inquiring about the status of the promotion. Each time I was confirmed that I had completed the requirement and was qualified for the promotion, and I was promised that the bonus would post within 90 days of the statement closing date after I completed the requirements, which is the XX/XX/XXXX. However I have not received the promised bonus miles as of XXXX/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 non-monetary relief
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. To have to deal with this with little to no guidance while I am on the road fleeing from a historically massive hurricane is absolutely ridiculous and to know that millions of others potentially have the same issue is absurd. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a victim of identity fraud since 2011. 
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief