milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 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: Old information reappears or never goes away

Complaint: In 2015 I agreed to a debt consolidation with XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TD Bank representatives twice assured me that they removed late fees on my account. Instead, TD Bank reported my account as delinquent, damaging my stellar credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Payday loan debt) with Niagara Capital Recovery LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Called my cell phone number about my mom. I pretended to be my mother, and gave private information like her social, and bank account number over the phone. The person threatened legal action and wanted payment over the phone. Claimed they were from XXXX XXXX XXXX. Very hostile and rude over the phone.

Company response to consumer: Untimely response
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer is Wells Fargo and they are not giving me a reasonable explanation as to why my PMI is not being canceled. Per the Homeowners Protection Act, the PMI should cancel automatically at 78 %. My loan-to-value ratio is about 74 %, which I calculated by taking my unpaid principal balance of ~ {$210000.00} divided by the home 's purchase price of {$280000.00}. I called them, and they did not give me a sufficient explanation. I followed up via a message through my account when I was logged in but no reply. Without a reasonable explanation, I feel am being taken advantage of and I am paying PMI unnecessarily.

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 07/31/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: Re : PayPal Smart Connect failed Purchase dated XXXX/XXXX/15 for a XXXX XXXX XXXX XXXX Tablet for {$980.00}, Item ID # : XXXX paid with PayPal Smart Connect for promo payments with no interest charge earning up to {$68.00} rewards. Thus, I never use my credit cards and credit for payment plans that require I pay interest. Up until this time, the only reason I used Smart Connect Credit was for promo payments, since, I have over a dozen credit cards that pay me up to 7 % rewards. Therefore, I was supposed to make payments with this purchase with no interest charge ; however, the purchase failed. 
I was going to return my tablet But then I agreed to keep the tablet if I would be put on a payment plan with no interest charge. 
I then discussed it on a XXXX way call with PayPal and Synchrony bank this year in XXXX, that I would get the interest charge reversed. PayPal and Synchrony Bank Agreed ; otherwise, I would have returned my tablet. However, Synchrony Bank backed down from their promise and started charging interest charge. Synchrony Bank did reverse a few charges but not all of them. 
Therefore, last month I paid off my table, totaling {$980.00} without the interest charge that was supposed to have been reversed. I borrowed the money elsewhere ; since, I was and am sick & tired of dealing with PayPal ; XXXX and Synchrony Bank. 
I did tell Synchrony bank I was going to cancel the XXXX I did not ask for and that Synchrony Bank had transferred the interest charges to ; which, it is illegal. 
I am requesting for Synchrony bank do not reverse the statement balance of {$59.00} ; which comprises of interest charges.. 
So please, help me communicate with Synchrony bank for the last time to take my complaint seriously. I do not appreciate wasting 7 months with this issue. XXXX, inactive 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 monetary relief
Consumer complaint received 09/26/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: I am writing to complain about Discover, which has repeatedly used deceitful practices to attempt to collect payment on unpaid balances. 

I guess from their perspective they want money no matter how they can get it. 

Discover card has created another division ( Discover It ) which it uses to sell financial products to " lower end '' consumers. This division, I believe, has been specifically tasked with " accidentally '' engaging in payment fraud to cause trouble for their customers. 

On XXXX occasion, Discover scheduled a duplicate payment. Because Discover suspects the customers of their inferior Discover It products have less money, they do this to gauge which customers can be more easily taken advantage of. Since the amount of money is something that can be accessed from third party companies, it is reasonable to think this is no coincidence. 

I contacted Discover about a late payment. I let them know I have no income and no savings ; I simply can not pay. They re-enrolled me in autopay. I believe they have designed their online pay portal to intentionally mislead consumers into believing that they have disabled autopay, only to continue drawing money. 

If I ca n't pay, I ca n't pay. Discover has no right to show their customers fraudulent information and overdraw people who are already destitute just to get as much money as they can from high-risk borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I received four bills ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for {$19.00} ( {$79.00} in total ) from TransUnion credit monitoring service, however I never agreed to or requested these services. Over a year ago, I signed up for a free account with TransUnion. I checked my credit score once and never returned to the site. I recently discovered these fees in my credit card statements without any notification and certainly no request for the service from my end. I logged into the site today and it immediately notified me that my service had been upgraded and had to accept this upgrade in order to access my account ( this page contained information about the {$19.00} fee ). After accepting I immediately navigated to cancel my membership. I would like to be reimbursed for the {$79.00} that was charged to my credit card and I hope the CFPB looks into this shady practice because it seems to be very common based on blog reviews.

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 08/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: So to begin, two years ago I enrolled my loans into an income based repayment scheme. Things in my life have n't gone exactly as planned and my ability to pay is impacted by what I can afford making XXXX more than minimum wage with life expenses. 

Last year I had a secondary part-time job that pushed my income up by 100-200 a  week that I was using to repay other debt. This job however, pushed my income above the federal poverty line for Massachusetts ( which is n't really hard to do with a $ XXXX minimum wage ). 

I 'm a bit old fashioned when it comes to important things, and thus with my student loan servicers I ensure that I get paper copies of correspondence in the mail. This includes when I need to renew my XXXX This year however, Navient mailed me my XXXX paperwork one day before it was due, so I was 4 days late on renewing my XXXX  plan. 

This is the start of my troubles. on XX/XX/XXXX the Dept. of Ed. confirmed that my XXXX was sent over to navient and that I should receive correspondence from them confirming this. I did not. Watching my account, ( which I had not been able to make a payment on due to owing the IRS money in taxes due to some debt settlements pushing up my income artificially ) I noticed that like before, I did not owe a payment, and was current. 

Then on XX/XX/XXXX I received an email from Navient confirming that my auto-payment was confirmed for XX/XX/XXXX. I have NEVER used auto-payment for anything other than my car ( As that is my one life necessity ), and I KNOW I did not authorize them to make an autopayment. Upon seeing this email I immediately revoked their right to know my checking account information, which according to my account revoked the pending autopayment. Checking my bank account on the XX/XX/XXXX however, they still drafted an autopayment and bounced my account. 

Now, they have taken a payment for {$24.00} ( without my permission ) and my bank account is negative. I do not see their reasoning for why my payment schedule is what it is ( unlike last year ) and a rep is unable to provide me details as where the payment they took went. It is not reflected in my online account register and I have no tangible explanation as to where that money went, and no way to receive the {$30.00} fee from my bank back. They were too busy threatening me to pay my account ( which under normal circumstances I would ... ) instead of explaining the changes to my account. 

In summary 1. They enrolled my account into an autodrafting system without my express permission 2. They took money from my account via said autodrafting system when I revoked their permission to use that account 3. They can not provide me with details as to where the money they took went in a ledger form that I can understand. 
4. Their customer service is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Wells Fargo employees withdraw funds from account to purchase personal items. when funds were deposited into account for loan payment, the balance did not decrease for several months. After receiving notification for payment not being paid, I personally went and discuss to employees that why are different Wells Fargo branches sending no payment notifications. They said not to worry everything is taken care of.

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 02-03-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX to settle the above debt and it was removed from my credit report. I received an alert that the debt had been added back. Although it has been paid in full and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from XXXX XXXX from a XXXX XXXX account that was closed on XX/XX/XXXX. On XX/XX/XXXXI contacted XXXX and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by XXXX on that date that they would close the XXXX XXXX card as a possible fraud issue. On XX/XX/XXXX XXXX XXXX XXXX sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XX/XX/XXXXmy credit score dropped from XXXX  to XXXX, a 92 point drop, per XXXX XXXX web site. On XX/XX/XXXX XXXX  customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XX/XX/XXXXXXXX XXXX XXXX advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent Wells Fargo Fake account scandal. I have tried working with Wells Fargo to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that XXXX remove entries from Wells Fargo because Wells Fargo is unable to Prove any accounts ever owned by me related to my XXXX report. 

I am now requesting that XXXX remove Wells Fargo from my XXXX report. I have never been a customer of Wells Fargo. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT XXXX And Wells Fargo Bank. Do not call please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XX/XX/XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that TransUnion is the most professional to speak with of the three, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a continuation of Case Number XXXX. <P/>I have tried numerous times to get XXXX XXXX XXXX XXXX XXXX and their collection agencies to communicate to each other that the debt they are trying to collect has been credited by XXXX on three separate occasions. I most recently simultaneously received the third credit invoice direct from XXXX and a new collection agency ( AWA Collections, XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX ) is contacting me to collect on the {$0.00} balance I owe? AWA is a more aggressive collector as they are going to report to the credit agencies. The first collector from the " XXXX Collection Department '' had threatened and apparently did turn this over to them. <P/>I had uploaded several documents in Case Number XXXX. I have attached here the third credit invoice from XXXX and the latest collection letter from AWA. <P/>I am not sure how to proceed given I can not get the various parties involved to communicate directly. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Credit determination

Complaint: I 'm a long time highly qualified Wellsfargo customer came from Wachovia and in the last month chose to participate in an application for a credit card at a local branch here with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last 2 years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by experian. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX-XXXX page credit reports on hand and documented conversations with the bureaus informing them of wellsfargo decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor XXXX all of which I have on record. I 've called Wells Fargo customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs zero evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for Wells imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on Wells now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX alon, XXXX XXXX, bank of America, 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