milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2017 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: On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX, XXXX, and Experian requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XX/XX/XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.

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 07/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job on XX/XX/XXXX, I contacted Wells Fargo and requested a loan modification, it was denied. I was re hired by my prior employer XX/XX/XXXX and requested to Wells Fargo to give me a home modification ; I also begin to do regular payments, I am an XXXX at the XXXX. Members of the XXXX are protected for foreclosure, however Wells Fargo does not recognized my military status and my good intentions to pay my mortgage. I have submitted all the documentations to XXXX XXXX XXXX a home preservation specialist, he however had stated that he have not received them. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Housing Officer ) had contacted them, nevertheless Wells Fargo promise to help and then fail to their promise. The office of family support from the XXXX contacted Wells Fargo, however Wells Fargo was unwilling to help. My home suffered major foundation damage from the flood, in addition appliances were destroyed. I have been paying for all this. FEMA came to my house and witness the damages, I am currently submitting estimates for some of the damages that I have not been able to cover. Wells Fargo had affected my credit ( I am unable to take a loan ), they had affected my mental health ( I am under emotional treatment due to their harassment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a XXXX XXXX XXXX Store Card account that was charged off. I spoke with XXXX XXXX in XX/XX/XXXX and agreed to a settlement of {$770.00} to be paid by XX/XX/XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XX/XX/XXXX. On or around XX/XX/XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX XXXX  misleading actions.

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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: DiTech Mortgage is improperly placing a 30 day late on my mortgage trade line. I make extra payments nearly every month, just in case a payment isn't received by mail, or if payment changes and I haven't been warned ( See attached Payment History ). I received a notice that showed an account number different than the one I have on my ACH payments from XXXX XXXX. There are 2 accounts with DiTech that are in my name, but one of them is managed by my ex-wife and has been for over 10 years. So, I thought it might be hers. I would have been able to take care of this notice of short payment if the letter had the property address on it, but it didn't. I found that really odd. So, by the time I was able to hear back from my ex-wife, we were at the XX/XX/XXXX and a bit over {$100.00} was due. Since I was not at home or had bank routing information when speaking with a diTech representative, I had no choice but to send an ACH payment THAT DAY from my mobile phone ( See attached DiTech Supp Pmt ). My bank shows to have executed a payment on XX/XX/XXXX. DiTech is noting they didn't receive the electronic payment until XX/XX/XXXX ( See Payment History ). DiTech also is not applying my money payments WHEN RECEIVED. They claim to keep money " in suspense '' until the full amount is paid. My note ( See attached ) makes no mention of lender being allowed to hold payment and not apply it to the balance immediately. They are also not sharing with me where the money is being held, if it is collecting interest, and who is entitled to that interest. I ask that DiTech and ALL OTHER lenders CEASE and DESIST from this business practice of holding money in suspense. 

So, the bottom line is that I am paid well in advance of my amortization schedule, I pay extra every month so that nobody may report me as not being credit worthy, or paying back on time. I feel they are trying alternative ways to make money. I want late fees credited, the 30 day late removed from my credit, and a letter from DiTech stating their apologies for improperly handling this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint Transunion, XXXX Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to Transunion, XXXX regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XX/XX/2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX TN XXXX was undeliverable, which I may known to the three credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the three credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, 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 05/17/2017 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification in  XXXX     2016  and after months of resending the same paperwork and jumping through hoops, I received approval and a partial payment plan in  XXXX   2016  in which I needed to being making payments for 3 months before I could be assessed for a permanent modification. I made  my three payments, last one i n  XXXX   2016  and they still have not completed my final loan modification. I have since been denied a job because of this account on my credit, due to their delay and just keep getting the run around when I call for an update. I need this modification to be complete and my credit report updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX Bank of America represented to me some of the fees and costs assessed to my mortgage included an amount used to pay off the XXXX XXXX lien, but it remains unpaid to date. I have requested a detailed account and accounting of the XXXX fees and costs assessed to my mortgage and do so again. I have not received any response from Bank of America to date in this regard.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: I am submitted several disputes to XXXX, XXXX and XXXX and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX XXXX sent a packet that included billing statements. The issue of inaccuracies was never address.

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 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a collection reported to my credit file by Penn Credit Corporation. This debt went to collection, however, I had an agreement with the collection agency that they would delete the collection from my account. I paid the collection, however, the collection still appears on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked XXXX that Portfolio validate this debt. I have received statement and looks like maybe a copy of a bill from XXXX date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other fee

Complaint: Our small business signed up for a business bank account. With it, came a credit card for " no additional fee '' as quoted by our Wells Fargo Banker. A year later, the card gets hit with a {$50.00} Rewards Membership Fee, a program to which we never opted in. After discussing with a representative, the program auto-renews every year without notice, and requires that the account holder call and opt-out of the program to avoid a {$50.00} annual membership fee. This is just an example of the deceiving practices still used by banks and credit card bureaus. Luckily no money was ever spent on the card, so we noticed this, but applying the automatic renewal charges like this to a business card is sneaky and an easy way for banks to collect additional revenue. The bank removed this charge " as a courtesy '' but did n't view this as it 's responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company has been pursuing me since 2008 for a debt they can not prove is mine in any way. They continue, year after year, trying to file fraudulent court documents with differing amounts to try to get me to pay. I have responded in kind, asking that any proof I owe this debt be sent to me and the court in writing. They have failed to do so. 
At this point, I consider it harassment and they are wasting my and the court 's time. They say the debt on or before 2008. Per Ohio statues, even if the debt was mine, it has been over seven years, and is now out of statutes. 
I would like to file a formal complaint and suggest that I am not the only XXXX they are doing this to, it is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I had to cancel my Banana Republic Card due to freud charges. I forgot to update my online payment through my bank and paid on my old account. Because of this, Synchrony Bank has been calling my none stop about not paying my bill. I have called them several times and they told me it takes 15-20 days to transfer my payment from my old account to my new account! They froze my CC and I ca n't even use it! I have a copy of my bank statement which shows I even paid them and the payment was on time. They wo n't unlock my CC until my payment has been transfered. I even made another payment and because they have n't posted it yet, they still wo n't unlock my CC. I even made an early payment the month before and they charged me a late fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Allied Collection Services , Inc, failed to respond to my Debt Validation Letter Request regarding the collection they reported to credit reporting bureaus, failed to provide the needed information for the debt validation. All you provided was just the cancelled/violating consumer right contract which XXXX did not perform, nothing else, and you failed to provide CREDITOR/DEBT COLLECTOR DECLARATION, the form in the Debt Validation Letter Request which you are obligated to provide within 30 days pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act.

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 05-04-2015 about Credit card () with BARCLAYS BANK DELAWARE (VT).
Issue: Billing disputes

Complaint: I have an LL Bean Visa Card issued by Barclaycard. I pay more then my monthly balance each month. This month I receive my statement and it shows a past due amount for XXXX and a late fee. I paid XXXX 's payment on XXXX XXXX. When I called the company to inquire about this, I was told that I paid my XXXX 's payment too early, so now it is late. I now owe XXXX 's payment and XXXX 's payment. I think this is an unfair business practice and I believe I should have been notified that if I paid a payment too early ( even though we are in a whole new month ) then it would be considered late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 'd like all addresses removed from my credit report except for my current address. The credit agency only removed XXXX address instead of all of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I had purchased a home in XXXX. It was later sold to Greentree services. I had got married and when we decided to divorce. I was the only person who was working. I was working XXXX hours a week. When the plant stopped overtime I had gotten behind on the mortgage. I had got it caught up. Then in XXXX the XXXX ( I worked 9 years ) decided to close down. Before they closed I had gotten behind. I called and talked to a representative and he told me if I could catch it up before I lost my job. He would deferr my payment for 3months to help me while I looked for a job. I was to call on a certain day and talk to him. I did as he told me. But when I called him back on the day he told me. He said that he could n't deferr my payment because I did n't have a job? I found a job an hour away. When gas prices starting getting high in XXXX. I had got behind again. I started getting phone calls at work. In XXXX my wife and I decided to purchase a bigger home. I had called Greentree asking if I could sell the property and pay the remaining balance. I was told that I could send in an offer. That they sometimes accept lower offers. I had a sister that wanted to take over payments ( they said no ) and I had XXXX offers of {$25000.00}. I called and asked if the offer was accepted and they said that I did n't write down the dollar amount. I had faxed the offer and reasons on XXXX page? After the mortgage was foreclosed on. I found out that they had sold the property for {$4000.00}. And I owe the rest of the mortgage. After foreclosure process I had tried to set up some type of payment. But when I called and said that I did n't think it was fair that I had to pay the {$19000.00} that they lost by selling it their selves. And the woman rudely told me I had to pay all of it. After the foreclosure they had told me that since I could n't make a payment. I could fill out a hardship form. I had did as I was told and once again I was denied. Another problem I have is that on XXXX occasion when I was behind. They called my sisters ( that was on my account ) and my neighbor and had told them each how much I was behind and if I do n't pay the entire amount was due ( again told them exact dollar amount )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call with a unknown number from Ace Cash Express to call them back that they are filing a claim against me. I called back and the representative accused me of fraud for not paying back the pay day loan. I explained to XXXX XXXX that Ace cash Express put me in a cycle of debt and I just could n't pay back anymore. He did n't care and threatened to file a law suit with XXXX county. I told him that I ca n't afford to pay them back because I only work few hours a week but I will try to borrow money and call them back. However I could not borrow any money to pay back. So the next day I received a voice mail supposedly from an officer to call them back or they will go to my employer. I live off pay check to pay check and it 's their fault for putting me in debt and now pretending to be a officer. They also called my sister and threatened to call my employer even though I do n't work in a office.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX states that I broke terms of my contract by terminating my service before the contract timeline was over. I was never in a contract with XXXX XXXX. I was on my mothers phone plan and took my phone number over to my own account. In the process of doing so I was told when this happened that there was no contract nor did I sign any physical documents. I never signed any contract for the phone service that they are trying to collect debt for. I paid all of my appropriately owed bills in full. The amount they are requesting that I pay was described as an early termination fee of XXXX. I denied to pay this fee as I nor they could provide me any records or evidence that I had signed a contract with them. I contacted XXXX several times as well as the local XXXX store I was established with and received no help nor formal documents of my contract. They eventually sent my account to collections. I was contacted by North Shore Agency - a collections agency - to collect the debt I supposedly owed. I contacted north shore agency via mail and told them my story that this debt was not valid and I was never under contract. They looked into the issue and were also unable to obtain any information/proof from XXXX that I indeed owed this debt. They sent me an apology letter and told me unless I was contacted by them It would be dropped. I have never heard any information from either XXXX nor the collection agency regarding my debt for a little over a year now. I have records of the communication between North Shore Agency and I about this issue. However, this is still on my credit report and is effecting my score. I am complaining to have this mark removed.

Company response to consumer: Closed with explanation