milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I left a bank account open with {$10.00} in it with Wells Fargo in XXXX of XXXX. Wells Fargo assessed fees of - {$25.00} as the balance went just below {$0.00} and closed the account with a negative balance of around ( {$25.00} ). Since then, the debt was sold off to multiple owners. I tried to trace it in XXXX. I came down to the " newest '' company who owned the debt and after calling them 5 times, they were unable to locate who they sold the debt to. Since then, I left it alone and I have n't heard anything since then. Yesterday I received this voicemail on my cell phone from an unknown number. She left a voicemail saying, " Hi, XXXX XXXX. Now my name is XXXX XXXX and I 'm just giving you a call regarding documents I received in my office under your name. Now I do need you to be advised that I have a request to place you on my schedule for delivery for tomorrow afternoon, the XXXX in between noon and XXXX. Now I will be heading out to your home or your place of employment at that time so make sure that you do have a valid photo ID for signing. Now if you do have any questions regarding the documents you will need to contact the sender directly since they are marked as sealed and confidential, I just deliver them, but that phone number is XXXX and then also your file number is XXXX XXXX. If by chance you resolve whatever issue it is you have with that office, just have them issue a stop order. If they do not issue that out, I will see you tomorrow afternoon. '' I called the number yesterday. They told me I had a case and accused me of some crazy thing with Wells Fargo and I stopped him right there and said, " listen. I checked my county records and there is nothing filed in the clerk of courts with my name on it. So if you truly were delivering me papers tomorrow, you would have legally already had to have filed them in my county and you have n't so it sounds to me like this is a scam and I will be reporting you ''. He then got defensive and I said, " It 's too bad you are choosing to do this in XXXX - I hope you do n't ruin anyone 's XXXX by trying to XXXX them '' and he hung up on me. We shall see if I actually get anything delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My information on my  XXXX  credit report is not accurate.     It shows that I paid late on my mortgage with  Banco Popular  multiple times.  XXXX    XXXX   was the servicer during that time . Banco Popular b egan servicing the mortgage on  XXXX     2015. Th ere are multiple  30, 60, 90 and  120 day lates on my credit from before  Banco Popular bega n servicing my mortgage.     These should not be on my credit. Please verify the date  Banco Popular  became the servicer and if any payments after they began servicing were late.

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 04-06-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a Chapter XXXX bankruptcy in 2010 and it was discharged. I included my house which had a XXXX and a XXXX mortgage. The XXXX mortgage was with XXXX XXXX XXXX. After my discharge XXXX XXXX XXXX sold the debt to Nationstar Mortgage. Nationstar mortgage has been reporting on my credit negative every month since the bankruptcy was discharged. I have contacted them several times and they claim they can not do anything.. even though they are breaking the law! They will not help me and this is affecting my financing. It isx erroneous and should have never been sold as it was DISCHARGED in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the 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 08-09-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is due to a hospital emergency room visit back in XX/XX/XXXX. The amount owed is {$650.00}. I 've had XXXX, which pays 100 % for all medical expenses since XX/XX/XXXX. XXXX informed me this was paid back in XX/XX/XXXX.
I 've contacted the original debtor, the collection agencies and my insurance company. My insurance company informed the collection agency this invoice was paid to the original debtor. They also contacted the original debtor to notify this had been paid, but the original debtor stated they can not do anything about this, since a collection agency owns the account.
However, my insurance company found out the collection agency has the wrong date of birth, so I keep getting billed for this paid services. I 've notified them of this error, so has my insurance company and the collection agency informed me, this debt would be removed from their system and my credit report.
They still have not updated their system and for over 4 years now, I am still be harassed by them to pay a bill, which has already been paid.
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under Southwest credit system. 
I 've contacted XXXX & XXXX in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against XXXX. 
for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my XXXX credit bureau reports with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : Southwest credit system/XXXX account # XXXX balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (OH).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: Loan was sold from original lender to 1RST Investors servicing corp out of XXXX, Ga. cfpb is very familiar with them. The original lender graciously moved my due date to my payday. When 1rst Investors bought loan then refer back to original contract and are now dunning me for being late because there customer service rep said the are required to honor only the original due date. I have never missed a payment-ever. Now they want a double payment.

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 10/20/2017 about Debt collection (Other debt) with Carter-Young, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I went to court for this issue. Was told by the judge to pay XXXX XXXX in the amount that was owed of {$1800.00} by XX/XX/XXXX, 2012. I went into the office to give the property manager a chashiers check if {$6000.00} but was told they couldnt accept any money from me. I few weeks later all of my belongings were thrown out into the alley behind the building.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I previously complained about XXXX XXXX. They stated my issue would be resolved by XX/XX/XXXX. They called on XX/XX/XXXX to say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is in regards to XXXX XXXX XXXX reporting on my credit files. XXXX  is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet XXXX is reporting this account as open. Also this is a charge off and in the payment status XXXX is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and XXXX recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want XXXX comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my personal properties from XXXX XXXX, and also XXXX has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that XXXX  make this promise and never fulfil their promise. This is another act of deceptive practice by XXXX XXXX. I have to pay over {$1000.00} to replace my belongs that XXXX XXXX, and whoever acted on behalf of XXXX fail to give me back. Now I contact Transunion so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want XXXX to fix their errors on my credit Files, and Transunion to fully investigate not partially, but in whole.

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 01-06-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Delinquent account

Complaint: I have had a credit card with Macy 's for years. Unfortunately, XX/XX/XXXX, I did n't receive my statement. I received a statement XX/XX/XXXX and I paid it immediately XX/XX/XXXX, but the following month Inoticed I had late payment on my credit report. I feel this late payment is unfair due to nonreceipt of statemen. I have had this account since XX/XX/XXXX and have no other late payments except for this one. I have been trying to get Macy 's Card Services to correct this predatory act for almost 2 years to no avail.

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 08/15/2016 about Payday loan () with AmeriCash Holding LLC (TN).
Issue: Can't stop charges to bank account

Complaint: I was in a accident and doctor bills and travel started mounting causing extra expense so I started a debt consoldation program but the advance company branch refuses to work with the debt consoliation company telling me they would turn me in to collections refusing to accept any payment from the consolidation company

Company response to consumer: Closed
Consumer complaint received 10-07-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting evidence that bears my signature that shows that I have a contractual obligation to pay SYNCB/Walmart. I have not received anything that I requested and it is still listed on my credit report from the XXXX Credit Reporting Agencies.

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 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: correction of typo-error in prior CPFB complaint ; but underlying complaint was 100 % correct, so I am repeating it here : I paid {$5.00} to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went to T-U website via XXXX for my FREE report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE report. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentionally SCHEMED by T-U. I demand my FREE report accessible on-line -- - ASAP.

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 04/29/2015 about Debt collection (I do not know) with Commercial Acceptance Company (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have received phone calls stating that I owe money. Case pending against me. Wanting to meet me in person to serve papers. Calling family and work stating there is a case pending against me. Not disclosing who I owe or how much. Threatening me in messages if I do n't return their call i will be sued. I have never received written papers declaring any of this.. XXXX different phone numbers working together and wanting me to make payment immediately. 

Also said they dealt with a XXXX at XXXX and said I needed to call him for immediate payment or I will be served papers. XXXX and XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The full amount of my payment is not credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (FL).
Issue: Managing the loan or lease

Complaint: I was in XXXX and was in the market to get a vehicle. JD Byrider/CNAC sold me a Scion XB I fully disclosed that I live in XXXX and would like to have it title there. They told me that they could not get me a XXXX title but I can get it transferred once in XXXX. I agree to the transfer the title. In XXXX title are electric I went to the DMV before the XXXX tags expired I was told that I could not transfer because CNAC was not a registered lien holder with XXXX. Over a month of calls, I have also told them this issue need fixed no later then 2 months if not fixed the car would no longer be licensed. I was told that everything was fine again the DMV to find out they did not put a address for there business so the DMV still Could not title the vehicle. Called CNAC they called us a liar and informed them that this need fixed in 2 week. I drove the vehicle to JD Byrider in XXXX they could not take the vehicle because they are the same company but different branches and could not take the car. Called CNAC to inform then that I will no longer pay for a vehicle that ca n't be titled and that they can come and get it. Vehicle is still in my yard, CNAC breached contract and due to not having a vehicle as agreed I had to stop payment. Now they are falsely report to the credit reporting companies, I would make payment if I had a vehicle that they was not stopping me from driving

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Medical) with The TRAF Group (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid to another collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX # XXXX and XXXX each for {$230.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Please have this company cease calling my private home phone number. I am not the person named XXXX XXXX that they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I finalized my divorce XX/XX/XXXX. Afterwards, I paid for her mortgage with Quicken Loans ( XXXX  month ) until XX/XX/XXXX, and am currently paying for her car loan ( XXXX  month ). In our court agreement, I was to be removed from the car loan, and my ex-wife to carry the mortgage immediately. She has not, and the house is two months behind. My credit is affected now.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Account opening, closing, or management

Complaint: HSBC Bank was a revolving credit account I opened in XX/XX/XXXX. I filed for XXXX XXXX Bankruptcy on : XX/XX/XXXX, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to XXXX was XX/XX/XXXX, which should have been corrected as : XX/XX/XXXX. 

I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : XX/XX/XXXX, and I have never received any response from HSBC or to XXXX. I requested that HSBC contact XXXX regarding the error to update, and correct the closing date so XXXX will delete the account with HSBC Bank from my XXXX file. 

XXXX has never had any contact by HSBC to remedy this correction. HSBC Bank has been the most difficult business as they will not respond to my letters, and after charging-off my account, they generated XXXX electronic checks, and withdrew funds from my personal checking account without my knowledge or authorization in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Back in 2009, Chase Bank failed to correctly instruct me on how a reaffirmation agreement was to be filed. This has lead to my continued on-time payments to Chase not being reported to the credit bureau thus making me an unlikely candidate to refinance with them to receive a lower mortgage rate. I have been diligently working trying to resolve the Non-Reporting issue with Chase. Unfortunately Chase did not inform me back in 2009 how I was to correctly proceed with asking for a re-affirmation agreement. Thus, Chase is not able to ever report my payment history to the credit bureau. 
I have spoken with many individuals in the Chase Escalations Department only to circle back to the fact that they ca n't do anything for me. Escalations says to speak to the " Loan Manager '' and the loan manager says to speak with the " Bankruptcy Department '' and the bankruptcy department says to speak with the " Escalations Department ''. At this point, it seems that Chase is unwilling to help with our situation even though many mistakes were made on their part. 
My only goal was to refinance with Chase at a lower mortgage rate and obtain extra funds to pay off a personal debt. I believe we have enough equity in our house now that we would qualify. 
I am not sure if we can move forward from here or if upper management can give some kind of approval. I will email the Consumer Financial Protection Bureau to see if they can provide assistance. It is very frustrating being that I am a responsible customer that makes on-time payments and have been throughout my loan history. 
If you have any information you can provide, it would be greatly appreciated. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation