milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX I completed a VA compromise sale on a property that I owed {$130000.00} on. The mortgage lender, PennyMac, received proceeds in the amount of {$61000.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the VA wired funds in the amount of {$34000.00} to Penny Mac on my behalf per the VA guarantee on my loan. XX/XX/XXXX, I received a XXXX from Penny Mac in the amount of {$72000.00}. After contacting PennyMac on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was told on XXXX/XXXX/XXXX that PennyMac would not count the VA funds paid on my behalf in credit to the amount of debt they forgave. They state that I owed them {$72000.00} so that is what is reflected on the XXXX. Despite the VA paying funds on my behalf, they are unwilling to revise my XXXX. The amount of the XXXX will be counted as income when I file my taxes and I feel that the XXXX should reflect the amount of debt actually forgiven by PennyMac. They received an additional amount of money on my behalf that I will have to now pay taxes on and my VA benefit eligibility is suspended until I can pay that money back to the VA. The XXXX does not reflect the true loss to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I found that Wells Fargo reported to a credit reporting agency that I owed them a debt of {$420.00} on XXXX 2012 on a credit card account. I never opened a credit card account with Wells Fargo and have no knowledge of any credit card charges made on a Wells Fargo credit card in my name. I wrote to Wells Fargo and informed them of these facts. I also told Wells Fargo that I believed that these charges were fraudulent and suspected that I had been a victim of identity theft. I requested that Wells Fargo conduct an investigation into the matter and that Wells Fargo provide to me all account documents and billing statements related to this claimed debt so that I could determine whether I had been a victim of identity theft as I suspected. Wells Fargo responded but refused my request for documentation and its response does not indicate that it conducted any investigation into my claim that I had been the victim of credit card fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my credit information putting myself and millions of others at risk. They have flagged me as a potential victim according to their equifaxsecurity2017.com website, and I would like a resolution to this problem. Equifax knew about this issue and waited days before making it public, putting my personal finances and those of others at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The two ab ove accounts where removed off all three credit reports in  XXXX , i sent in documents to prove it was n't my loan, it somehow got reinserted  XXXX  to my  XXXX  and   XXXX   credit report, which is affecting my credit, the account does n't belong to me, by law you are not allowed to reinsert a removed/or deleted item after 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Title loan) with Simple Cash Loans, Inc., (CA).
Issue: Lender repossessed or sold the vehicle

Complaint: I got my husbands car impounded by police, car had 30 day hold on it. I went to XXXX for XXXX. When I got out in 3 days found out husband was XXXX. Next day my husband passed away. We had a title loan him borrower, me co signer. I called company told them everything. They said they would get car out and I would have to pay fees to get it back. We talked the whole month. They sold car behind my back.

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 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have inaccurate information on XXXX of my credit reports. I have credit card accounts back from XX/XX/2000 that were paid, never late, and have been closed over 7 years. I 've called the companies and they ca n't locate any record of the account because it has been so long. I am told to take it up with the credit report agencies. When I call them, I repeat myself over and over again for them to take my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I did owe Bank of americ {$52.00} and paid it on XXXX/XXXX/15. This of course was reported to XXXX and was told that it would state 'piad ' within XXXX days. To this date, it has not been updated to say 'paid ' ( not removed, just paid ) and I am unable to get XXXX to acknowledge the receipt or the bank to make the correction

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XX/XX/XXXX, and discharged in XX/XX/XXXX. For XXXX years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.

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 05/27/2015 about Debt collection (Medical) with Accounts Receivable Consultants Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have had several calls to my work number after I have asked them XXXX to stop calling my work as I am not allowed to have private calls on the company phone. I have also told them XXXX times to quit calling my cell phone and have blocked XXXX numbers they call from, and they still keep calling.

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 Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: XXXX/Toyota Financial ( XXXX/TFS ) erroneously charged me for excess mileage. I had 2 lease accounts ( for 2 different cars of the same year and model ), and they mixed up the 2 contracts one had 12,000 mi. per yr. ; another had 10,000 mi. per yr. 

As a result, the calculation for my mileage allotment on the one that should have had 12,000 mi. per yr. was way below the correct number. XXXX/TFS claimed I was only supposed to have 33,350 mi. when shouldve had 39,000 miles.

They charged me {$1900.00} which was due on XX/XX/XXXX. 

I called XXXX/TFS on XX/XX/XXXX to help them realize their mistake. I spoke with a rep named XXXX ( XXXX ), who eventually saw the mistake and told me that she has escalated the issue. She also told me to call back in 7 to 10 business days to check on the status. I asked her if I should be worried about the due date ( XX/XX/XXXX ), to which she said no, because the issue has been escalated for correction. 

I called back on XX/XX/XXXX. I was upset to find out that XXXX/TFS had assigned my account to a debt collection company called XXXX XXXX XXXX XXXX. 
Not only did XXXX/TFS not correct their mistake, they even made it worse by saying that they can not help me clear the issue because its with the debt collector now! 

Even my attempts to contact XXXX XXXX to clear my record have been futile. All Ive gotten from them are voicemails because the rep hasnt been available so far when I have called. That, and recently Ive been given the excuse that their system has been down for a couple of weeks, so no one else can help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CASHCALL, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CASHCALL made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/XXXX.The contract attached is fully executed now that the XX/XX/XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XX/XX/XXXX.Yet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XX/XX/XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. Portfolio Recovery has not provided any competent evidence that I have any legal obligation to pay on the account in question. 

2. Portfolio Recovery did not validate the account before reporting collection to the XXXX credit bureaus 3. Portfolio Recovery falsely reported new account activity on my credit report that has resulted in a damaging credit rating and inability to open credit. 

4.Portfolio Recovery has not provided any written agreements in place between its firm and the client they allegedly represent

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear TransUnion, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted XXXX and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX. FI XXXX Cars 5. XXXX XXXX 6. XXXX Bank 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. Capio 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15. XXXXl XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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 explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC, has reported to the credit bureau, that I am continuous latewith my mortgage payment. There by damaging my credit rating. I have not been latein making my payments. I would like them to remove the late statements.

Company response to consumer: Closed
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had changed my monthly payment to more than double the original amount so that I could repay my loan more quickly. Two months later they sent me an e-mail stating that they had lowered my monthly payment amount. Then when I called to reverse the change they said that they could not guarantee that the change could be made by the time my next payment was due. 
I was also informed that I would probably not be able to use my regular method of payment. Because the virtual bank card I use falsely classifies itself as a " pre-paid credit '' card I will probably not be able to use it to pay my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Last month I had sent in an application for a wells fargo credit card. I was denied and received a letter with the reasoning " too many recently opened accounts '' with a credit score. I called Wells Fargo to discuss the situation and all the told me and would discuss is what the paper said. and told me to talk to XXXX. I have since recently requested from XXXX a Credit Report and spent over 30 minutes on the phone and could not get someone to answer. A credit report was requested and is supposed to arrive in 4 to 6 business days. I am XXXX years old and have never missed a payment and have a credit score of XXXX according to XXXX. I have no negative marks on my report ( to my knowledge ) and am in good standing at every financial institution I am associated with. I feel there has been a mistake made.

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 Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Making/receiving payments, sending money

Complaint: I would like someone at my bank to investigate several transactions with a company by the name of XXXX aka XXXX. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms. As far as I can see transactions that were on this account were : XXXX/XXXX/XXXX {$10000.00} ( via XXXX charges {$9900.00} ans {$10.00} ) XXXX/XXXX/XXXX {$3500.00} XXXX/XXXX/XXXX {$1400.00} I was unable to open a dispute with my bank because of the transaction dates but I really feel that this needs to be further investigated. This company has yet to finish or render the services I paid {$14000.00} for.

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 10-08-2015 about Debt collection (Payday loan) with Direct Recovery Services, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Only your failure to respond has resulted in your case being processed this call is to inform you that you have one full business day and which to rectify this matter, Please Advise you must call by XXXX to at XXXX XXXX You may Call XXXX again that is XXXX?

Company response to consumer: Closed
Consumer complaint received 04/20/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other

Complaint: I have a Chase Visa account which Chase just canceled for no reason, this is what the customer service supervisor XXXX told me when i tried to get an answer. Why is it that an account that was with no balance and monthly payments on time, can just be cancelled for no reason. The Chase customer service supervisor said it was because they felt like it. i realize that in the fine print they can do what ever they want, but it 's ridiculous that an account which is in Excellent standing be cancelled for no reason. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Other

Complaint: My mother passed away on XX/XX/XXXX, and I am the executrix of her estate. When I I was cleaning out the effects in her home, I found a bill from XXXX that had a due date of XX/XX/XXXX, regarding my mother 's credit card account with them. I called XXXX customer service on XX/XX/XXXX, to notify them of her death and asked what I needed to provide them in order to manage her account ( as the executrix of her estate ). I was told I needed to take my documentation ( death certificate, short certificate and proof of identity ) to a bank branch for verification. So, I drove the XXXX mile round trip to the XXXX, Pennsylvania, branch that was closest to my home and met with the branch manager, XXXX. He took a rub of the seal on my short certificate on the copy he made of my drivers license, made a copy of the short certificate, took an original death certificate and also took my mother 's card and locked all of this in the vault. He also faxed the documents to XXXX 's collections department. At this point I assumed her account would be statused appropriately and I would get a final bill to pay from her estate. I have since received XXXX additional bills for her account, each assessing late fees and finance charges despite my in-person notification to a XXXX employee that she had died, and her account should be marked " deceased '' and written off as such. After the receipt of each bill I called XXXX customer service to ask why her account was not closed and I was still getting bills. I placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was continually told I was not authorized to speak about her account even though I personally took acceptable documentation into a XXXX branch and it was visually inspected by the branch manager. I was finally told on XX/XX/XXXX that they considered me eligible to speak about her account, but I 've received a contractual charge-off statement on the account because it took them over two months to deem me eligible. Her account should have been written off in XXXX when XXXX was notified of my mother 's death, and the account should not have had the additional ( and potentially illegal ) late fees and interest assessed that they piled onto her balance.

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