milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: It is with disdain that I write again to the CFPB in regard to the non reporting of my mortgage to the credit bureaus, by Wells Fargo. I called and spoke with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( whom stated he has over 10 years of service ). Yet chose to conduct himself in the most unprofessional manner that I have come across and XXXX XXXX as well. My point of contact XXXX XXXX has failed to return calls and or email messages. In speaking with all representatives concerning this matter I was met with, combative, unprofessional, abrasive and confrontational attitudes and behaviors by all with the exception of XXXX XXXX. Additionally I have sent several messages to XXXX XXXX as well, whom chooses not to return my calls and or emails. This is protocol with the executive offices and with this latest correspondence, I have forwarded this email to the Executive offices in hopes of receiving a response, yet not one has yet reached out. Additionally, I encourage the CFPB offices to pull all calls placed to the executive offices by myself, for the past week and a half. This so you can absorb the full scope of what goes on in the executive offices on the daily basis.

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 05/22/2017 about Debt collection (I do not know) with Premier Portfolio Group (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I  have been receiving calls from Premiere Portfolio  for the past month. This company has contacted me from various numbers. Today I received a message from a  XXXX   XXXX  stating that he was a case supervisor and to call him at my convenience. I do n't even remember receiving any correspondence in the mail from this company. I have even checked my credit report to see if the company was listed on my credit report, but it is not. The number that was left on the voice message was  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Credit Karma, Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It shows XXXX school loans on my report and XXXX public records and XXXX open accounts

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with Alliance Data Card Services (OH).
Issue: Billing disputes

Complaint: I applied for a Zales credit card, financed through XXXX, which gave me 0 % interest for 18 months, then 28.99 % there after. I set up automatic payments to pay off the balance before the end of the promotional offer. Comenity Bank then bought out my line of credit with XXXX without my knowledge, and the automatic payments stopped, making that payment late. Since I was inadvertently pushed past the promotional period, Comenity Bank is trying to charge an even higher interest rate not to the current balance of {$790.00}, but they 're trying to charge the interest rate to the balance that was over 20 months ago, which was almost {$5000.00}. The interest rate that they 're trying to charge is almost double that of the actual balance, {$1300.00}. I contacted Comenity Bank and offered to pay off they entire balance if they corrected the interest rate and charge it to the correct balance ; they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Installment loan) with 1st Franklin Financial Corporation (GA).
Issue: Taking out the loan or lease

Complaint: i never applied for this loan but its showing up on my credit report and the credit bureaus are giving me the run around about this inquiry

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 11-11-2015 about Payday loan () with High Point Asset Inc (FL).
Issue: Received a loan I didn't apply for

Complaint: Hi I 've been getting calls from XXXX different companies stating i owe money from several payday loans i never even applied for. XXXX of them is highpoint assets XXXX thats their phone number. I spoke with them numerous times and told them that I never took out any loan of such kind. They stated it was XXXX different loans that round up too XXXX dollars. The agent told me what could i counter offer him and I was just in shock of what I had just found out. Never in my life have a ever taken out a payday loan and now 3 years later I get a phone call stating i took out XXXX payday loans from 2012. It just doesnt make sense to me. I told them to mail me a validation of debt letter, he said he could email it to me quicker, i said thats fine but i would still like to receive it by mail. Im still waiting on that. In the end i told them that i was going to the police to file an identity theft report because i know i never took out these loans. They said thats fine and to make sure to fax them the police report once its done. The second company that called me scared quite a bit. It was a guy named XXXX calling from XXXX XXXX XXXX. This guy was stating I took out XXXX different loans worth XXXX dollars and if i didnt take immediate action that i could be charged with bank fraud and have my drivers license suspended. He said that he could get rid XXXX of the loans and i would just have to pay XXXX dollars. I told him this is news too me, never in my life have i ever taken out a payday loan. I explained to him that i need this to be investigated because i know for a fact that someone has stolen my personal information. He said he would help with the investigation but that i would need to provide him with my debit card number that we could start our settlement and this wouldnt be taken to court. I feeling vulnerable and scared gave him my debit card number but after i did more info later that day i called my bank and had them cancel out my old card and supply me with a new one. I honestly dont know what to do. I know i never took out these loans. Should i file a police report for identity theft? Or should i just ignore these calls. I was stupid enough to give high point asset my current email and last XXXX of my social. I just want this to end. Its been an annoying month receiving calls from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: Long story short a payment was missed 2 years ago resulting in the repossession of my vehicle. From the date of the missed payment until the repossession no other payments were missed. Made several attempts to have the payment added to the end of the lease as a finale payment but the company declined to do so. After the vehicle was possessed I began the process of recovery. Paid the past due balance in full as well as misc. fees accrued by the repo process including a new key {$170.00} for the vehicle which brings me to my complaint. The vehicle was taken on a Saturday and I recovered the property on the next available business day to do so. I told the representative over the phone that the key was not necessary and that I have the ability to re-program my key thus making theirs useless to me. I accepted the key over the phone under duress ( stated over phone ) because if not I would n't be able to recover my property. When I signed the paperwork to release the vehicle I included in writing I was refusing the key and left it with the person handling the release of my vehicle. Flash forward a few months and im received threating calls to have my car " XXXX '' or that they will repo ... ..again. Im not too sure how this process works but im not a fan of how this company has conducted themselves thus far and hopefully this will help my voice be heard.

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 01-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To the CFPB this is concerning a complaint file previosly against XXXX, but at this point this financial institution have involved and other financial institution, the name of the financial institution is : Deutsche Bank Trust Company locate at XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX. This financial institution do not have legall right or legall standing do to the fact they did n't recall any endorsment or assignment and now they come to be part of strime fraud committed by all previous banking institution involved. In violation of Respa, Tila, Fair Collection Practice Act.I would like for CFPB to do a complete criminal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: First of all, the furnisher of information, the original creditor is held to the XX/XX/XXXX Credit Card Act on XXXX acct XXXX, which was finally implemented in full force and effect XX/XX/XXXX.Also the credit reporting agency AND the furnisher is held to the FCRA. 
This acct. has been verified many times with inaccurate and incomplete information by Transunion.1 ) the balance owed and charge-off amount are fraudulent.The last use of the card was for XXXX XXXX XXXX in XXXX XXXX.They were instructed not to go over the limit and were given a XXXX credit card to handle any rental extensions which did occur. 
Unbeknownst to meI was not '' opted- in '' and XXXX should not have approved the over- the- limit charge asked for by the vendor and not by me.When I returned the car to the XXXX rep. I was told " my boss made me do it '' ... .. SO I AM NOT RESPONSIBLE, I WAS DEFRAUDED BY BOTH THE VENDOR AND XXXX ... ... ..THE CREDIT REPORT DOES NOT CONTAIN A DOFD OF XX/XX/XXXX AS REQUIRED BY FCRA THE PAYMENT TABLE IS ERRONEOUS,30 DAYS LATE ON XX/XX/XXXX,60 ON XX/XX/XXXX 90 0N XX/XX/XXXX,120 ON XX/XX/XXXX AND SO ON.THE LAST PYMT MADE ( THE MINIMUM ) IN THE AMT OF XXXX DOLLARS ON XXXX/XXXX/XXXX IS MISSING.THE FEES, PENALTY FEES, LATE FEES, OVER-THE-LIMIT FEES ARE GROSSLY LEGALLY EXCESSIVE ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT AND THE RESULT OF FRAUD. I WAS NOTABLY MUCH UNDER THE XXXX DOLLAR LIMIT WHEN I HANDED MY CARD TO XXXX AND THEN WAS FRAUDULENTLY OPTED IN BY XXXX AND VENDOR AND, WITH ME NOT PRESENT, AND AGAINST MY INSTRUCTIONS, CHARGED BY THE VENDOR XXXX. I PLAN TO CONTACT THE AG OF MY STATE AND THE XXXX AFTER THIS COMPLAINT CONCLUDES.I AM DAMAGED AND RETAIN MY RIGHTS TO LITIGATE AS LONG AS THIS CARD REPORTS.

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 07-03-2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Loan modification,collection,foreclosure

Complaint: The lender was provided our third part authorization XX/XX/XXXX - we have spoken to the lender hundreds of times since then and was provided a loan history report by a rep on XX/XX/XXXX and on XX/XX/XXXX we were advised that our TPA is no longer valid and that the client needed to provide authorization to the lender for them to speak to us on the clients behalf - The lender is in violation of the clients right to counsel - XXXX XXXX has not required this on any other loan that our firm handles for their clients - More than XXXX files to be exact. We feel the lender is delaying the request for assistance and not willing to assist the client due to making this unacceptable request to assist the client with saving their home.

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 12/15/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (NC).
Issue: Taking out the loan or lease

Complaint: XX/XX/2015 I PURCHASED XXXX PIECES OF GRAIN LEATHER FURNITURE FROM CONN'S APPLIANCES dba CONN'S WHICH WAS DELIVERED XX/XX/2015 BUT IT WAS BLENDED LEATHER AND ALSO I WAS BILLED $XXXX FOR PERSONAL PROPERTY INSURANCE IN THE INSTALLMENT CONTRACT. I GAVE TO CONN'S COPIES OF MY HOMEOWNER INSURANCE POLICY DECLARATION PAGE PROVIDING $XXXX PERSONAL PROPERTY COVERAGE. I CONTACTED CONN'S AND INFORMED THEM OF THE DIFFERENCE IN THE FURNITURE QUALITY AND WAS TOLD BY THEM THERE ARE NO RETURNS OR EXCHANGES. THERE ARE NO STATEMENTS IN THEIR CONTRACT, SALES FLYERS, STORE FRONT OR WEB SITE TO THIS EFFECT. THEY ARE USING THE OLD "BAIT AND SWITCH" SCAM TO STEAL $XXXX FOR INFERIOR FURNITURE. THE ITEM HAD A SALES TAG ATTACHED DECLARING GRAIN LEATHER THAT WAS SWITCHED BY CONN'S TO BLENDED LEATHER

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Medical debt) with Evergreen Financial Services Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collector contacted my brother in law today on XXXX/18 to try and collect my debt even though they have my phone number and address and i have confirmed it for them via telephone multiple times. I do not owe this debt and have tried to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX Bank, and now it is in the collections stage. They said it was opened in XXXX on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: None of the above apply, so please forgive the improper selection. 

My credit score ( I only monitor TransUnion ) dropped nearly XXXX points since last month. The only change in the report is that I paid off more than {$1000.00} in the debt that I owed. No new accounts, no delinquencies, no loss of open credit. Just a lower balance due. 

In essence, by paying down my debt I 've hurt my credit. This is an obvious case of lowering someone 's credit purposefully and without reason to give creditors grounds for higher rates. Please aid me in rectifying this, I 'd rather not have to take it up in a civil suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Bank of America and they misappropriated funds that is how they got my 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 08/27/2015 about Bank account or service (Other bank product/service) with First Data Corporation (OH).
Issue: Account opening, closing, or management

Complaint: please refer to # XXXX I had a acc with XXXX XXXX they closed my acc and are telling me I am stuck with the credit card processor till the end of the contract. I was told I would be let out of it by XXXX in security. XXXX XXXX vice president of consumer affairs was rude condescending. please help its been going on for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These folks at XXXX of Florida is again claiming that I owe them. I filed a complaint against them here some time ago. I got an XXXX from them that caused me XXXX and so I brought it back to them and did not return there. XXXX. When I went by their offices, they accepted my insurance and additional payments that they required. I simply paid these people to hurt my XXXX and if that was not bad enough, they now have defamatory/derogatory mark on my credit report insisting that I owe them. 

Their representative First Federal Credit Control of XXXX XXXX XXXX XXXX, XXXX OH. XXXX XXXX XXXX, wrote to me. I replied to them requesting verification of this debt and the contact information for the XXXX of Florida. I did not hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was contacted by US Dept of Education/NELNET about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from NELNET. When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with NELNET I was told that I needed to file a police report, in which I did immediately. I provided the   XXXX   police report to NELNET ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by NELNET to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/NELNET,   XXXX   XXXX  ,   XXXX   and   XXXX   for reporting inaccurate data.

Company response to consumer: Closed with explanation