milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 have been attempting to work with XXXX XXXXl regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

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 11/29/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (OK).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: When attempting to post additional payments to this account to reduce the amount of interest paid to Wells Fargo Dealer Services I was told that loan payments are always taken care of first. This includes interest to the loan that was not earned yet. Additionally it will not deter interest for the amount paid ahead until you are three payments ahead. 
I have called and spoken to Wells Fargo 's customer service department on more than one occasion including escalation to a supervisor and I was told that this is policy. 
I am including a screenshot of the web page that told me I had to pay three payments ahead before they start applying payments to principal only! 
Thank you for your help in this matter!

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 09/16/2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Rewards

Complaint: I signed up for a chase freedom credit card XX/XX/XXXX. With the impression that the card pays back XXXX % of what you spend in the year if you have a chase checking and a credit card at the same time. I have had a chase bank account since XX/XX/XXXX so adding the credit card seemed like a good idea. I called XXXX months before the end of the year to check and see how the XXXX % back of what I spent in the year will be distributed. The first rep told me points when I did t see the check come in the mail. I asked if they were on XX/XX/XXXX or XX/XX/XXXX points they would always say the following month. When XX/XX/XXXX and XX/XX/XXXX came different reps told me that the points I have are the XXXX % cash back. At the time XXXX % of XXXX is not = to XXXX $ $ in points. When I said that the line dropped. I called back months later XX/XX/XXXX and a rep XXXX hung up the line when I tried to ask what happened to my cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: sent po report to XXXX inaccurate information must remove violation of my rights with wrong information cra and hippa violations

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 Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this account twice with Equifax. There has never been a proper investigation done. The only thing the company did was send me my credit report with the account still listed. The account does not belong to me. I asked for it to be verified and they did not contact the company just sent me my report 2-3 days later. How is an investigation properly done so quickly?

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Regions Mortgage paid expense hazard insurance policy increase Of {$5000.00} to XXXX XXXX three months before insurance policy was due, without our consent or permission.That expense increase put a financial hardship on my husband and I.We can not afford to pay {$2200.00} month payment XX/XX/XXXX.Paid {$1400.00} in XX/XX/XXXX.Region Mortgage is cause us losing our home of 24 years.Region customer 14 years.We want Region Mortgage to cancel expense XXXX XXXX refund funds to escrow account and pay for reasonable insurance.Thank you I appreciate your attention and time to this important matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe XXXX money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company DIRECT RECOVERY SERVICES anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I purchased a XXXX Enlightening mattress set. Six months after the purchase date the left side of the mattress started sinking at  least XXXX inches EVERY NIGHT! My wife has to reach "up a hill" every night to hug me. She has XXXX problems because the middle sinks lower than the top and foot of the bed on that side - EVERY NIGHT!!!
XXXX sent out a "bed checker." He pressed the bed in for a few seconds - took his handy ruler and proceeded to submit a report. We received a letter stating "the mattress is contouring to the shape of your body." Really - so sinking into "the panels" is to be expected? 
It is absolutely ridiculous to think that a legitimate complaint about a XXXX product could be taken so lightly. The fact that this product is impacting my wife's health  - who is a XXXX is truly worrisome. The bed was supposed to aid in increasing our well being and not in diminishing it. Every morning my wife has to pull herself out of the bed as if she is struggling from an abyss. XXXX This bed is a MENACE!!! We have more aches and pains with this new bed than we did with our 10 year old mattress. This is the worst product we have ever purchased!!! EVER!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On today XX/XX/2018 I ordered copies of my credit report and was horrified at the fraudulent accounts that are on there. Capital one which is showing two accounts and a XXXX XXXX showing two accounts for a XXXX XXXX   and a XXXX XXXX. I ordered my XXXX XXXX report like FTC told me to and capital one is on there for a 360 checking account which is not mine and it is negative

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Conventional home mortgage) with Pacific Union Financial, LLC (OH).
Issue: Struggling to pay mortgage

Complaint: Pl ease consider this correspondence to be formal complaint to the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).    The denial letter was also not received for an appeal period to be responded to until  XXXX / XXXX  /2017 and  the file was denied  in  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WA).
Issue: Managing the loan or lease

Complaint: Chase Auto Finance did not post my payments, has been charging me late fees for years and now repossessed my car. Do not do business with these crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Date reported : XXXX/XXXX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XXXX/XXXX/XXXX Status UNPAID Balance Date XXXX/XXXX/XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxxx XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Payday loan () with WLCC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a payday loan and the lender 's collection agency XXXX garnished a portion of my wages after I had already revoked wage assignment rights from the lender. I submitted the revocation letter on XXXX. 

I spoke to the original lender 's ( Green Circle ) representative ( XXXX ) XXXX - XXXX XXXX XXXX XXXX and was informed that the debt was written off as of XXXX and that they had indeed received my letter of revocation. 

XXXX XXXX is the collection agency. All i have is a phone number XXXX XXXX XXXX XXXX that no one answers. 

These were illegal and unethical practices by the collection agency and I expect a refund of the funds that were taken by them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX - XXXXXXXX : Unverified account XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified 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 07-03-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: Through a divorce settlement our ( my ex wife ) and I had defaulted on our vehicle loan. Understandably we recognized it would be in repossession. Both capital one auto finance and myself had been in constant monthly contact due to the non payment and I explained we could no longer afford the vehicle. No problem, I understood they would take possession. I had told them the location, parked it easily so there would be no issue to obtain it. It took them weeks to come take the vehicle. I kept calling but they seemed not to concerned and told me that they would find a tow company and remove the vehicle. No problem. However, weeks before this, maybe more like months, I tried working with them and had a family member willing to purchase the vehicle for XXXX less than what was owed..which at that point that XXXX was entirely all late fees and finance charges..not principle..they said NO! Ok, so fast forward XX/XX/2015 they finally took possession after months of going back and forth waiting for them to either make a decision on selling the vehicle to my family member or take possession..The vehicle was tagged, titled, registered and insured out of XXXX. Insured through XXXX. The vehicle was in XXXX during the repossession because I was up there for a few months during the holidays and looking to relocate possible. So, they finally took possession..I never heard a word from them..not a word, not a call, email, letter, certified..nothing..they simply sold it at auction..I 'm assuming and sold it..the balance owed they simply charged off on my credit..leaving me with a charge off balance of over XXXX. I only found out after recently pulling my credit and seeing what they had done..according to XXXX repossession statue they are responsible for allowing me a chance to buy the vehicle in full, tell me where the vehicle would be stored, tell me the auction day and time and location..and also what they sold it for..Also, through XXXX statue they violated my right to know..giving me zero information..And worse than that they sold the vehicle for far below fair market value for that vehicle..simply taking what they could get and charge me the difference..which is all interest, and fees..they got their principle amount back through the auction..but I was given ZERO notice of anything..I would of bought the vehicle back at the auction..I had offered them double what they sold it for..They also violated XXXX repossession law..I 've written both the state attorney office in XXXX. And my state representative in XXXX. Both parties have stated that capital one clearly violated my rights..they took my vehicle which they had the right, because I defaulted on the payments, but violated my rights in the way they repossed the vehicle. Thus leaving me with terrible credit, an XXXX balance on my credit and I 'm helpless..

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have previously disputed this information with ChexSystems however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 02/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report these is a collection from " XXXX XXXX '', however I have failed to contact them, I ca n't get a hold of the company, I believe they no longer exists. If they do n't exist anymore and I can not make contact with them, then I want this off my credit report. I have also called and emailed ( XXXX/XXXX/2016 ) Ashmer Collections and they have n't responded to me.

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 03-07-2018 about Debt collection (Other debt) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has submitted fraudulent checks to withdraw funds from my checking account on two occasions. Funds were sent to TD Bank. The transaction is difficult to stop without closing the checking account due to XXXX XXXX XXXX having my account number. 

A phone number on the fraudulent check provides no resolution option, simply hanging up on the called ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with DISCOVER BANK (VA).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/2016 I purchased a couch from XXXX, and on XX/XX/2016 the couch was returned. The couch contains 90 % polyurethane foam which contains XXXX toxic chemicals, and I am extremely allergic to the couch. 

I contacted discover regarding the situation, and discover provided me with credits. On XX/XX/XXXX Disc. Reversed the credits stating they had contacted the vendor, but the vender never responded to Disc. I provided Disc. With a copy of the email from XXXX stating they would refund the money, and still nothing. 

So now I have no couch, and I am out {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was paid already upon a car accident that happen in 2010, and this is the first time I have heard anything about this money they said I own.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the only info that I had. The info that Lawyer gave was Ford and forgery and I do not have A Business on XXXX or any or any ware else. what they are say is I have Company business in my home when I do n't have one so now they base my payment on something that the lawyer say but he is lying about the no business here there was never an business here. was documents that give the Bank America from this Lawyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This was a student loan that was transferred to my Mother because was a cosigner. XXXX XXXX is reporting a derogatory and adverse status on this account. It shows transferred, but also shows that it was discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. Please see attached filing.

Company response to consumer: Closed with explanation