milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I tried to access the report using the dispute process but could not. This is not the first time this has happened.

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 01/17/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This Collection Company XXXX XXXX XXXX, Purchase this account from XXXX XXXX for a Fraudulent debt of {$380.00}. XXXX XXXX closed the account 5 yrs ago when we found out it was a Open Fraudulent account. I was living abroad on a mission in the bush XXXX XXXX in villages. It was deleted from my credit file 4 times. and comes and goes over the years. XXXX XXXX XXXX has refused my letters and calls, I do not owe this debt. It was found fraudulent over 5 yrs ago. I am very disappointed how I have been handled and the Legal morals of XXXX XXXX and XXXX XXXX. XXXX XXXX also changed the dates of the debt to XXXX 2017 that is Illegal. I want this Identity theft account removed from my report. I also have written the credit burials over 4 times and know help. I should never be punished for Identity theft it has been years of repairing my life.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Payday loan) with Bronstein & Weiss Arbitration (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received numerous phones call regarding a possible debt that someone else possibly did. I have had my identity stolen and filed all proper paperwork with the FTC, the Police department, Social Security administration and the FBI. They have called my parents home, my unlisted cell phone and made a number of threats. I have called and explained to them that this is not my debt and my attorney will be contacting them.

Company response to consumer: Untimely response
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (GA).
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: XXXX is reporting a charged off account whose first delinquency was XX/XX/XXXX.  They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and XXXX continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting Exeter regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX XXXX filed a fraudulent foreclosure case against me which was based on forged documents and false statements where XXXX XXXX lawyers told the judge that XXXX ( who was not a mortgagee for my loan ) transferred its non-existing rights to XXXX as a Trustee ( this is not true, proven by Securities and Exchange Committee ) for legally non-existing XXXX. All documents were prepared by impersonators who worked as low-paid loan officers for XXXX ; and signed by well-known robo-signer XXXX XXXX XXXX. XXXX, whose lawyers gave very substantial amounts of money to at least two judges who handled my case, were able to obtain a void Order procured by fraud upon the Court and sold my property to a third party buyyer who paid cash on XX/XX/XXXX. 
On XX/XX/XXXX, or almost two months after my property was sold, XXXX sent me a letter information that they transferred my mortage with long-time bankrupt XXXX to a new Servicer, Specialized Loan Servicing , LLC. ( SLS ) On or about XX/XX/XXXX, or as soon as I received this letter, I called SLS and spoke with two officers, including an excutive manager who identified himself as XXXX. 
I explained XXXX that my property was sold in XX/XX/XXXX and transfer of my loan by XXXX to SLS is pure fraud, and continuance of their foreclosure extortion practices against me. XXXX said that they do not have any information regarding this transfer from XXXX and assured that they will inform me ones XXXX provide it to them On XX/XX/XXXX SLS spent me a letter where they demanded me to forward my mortgage payments to SLS beginning XX/XX/XXXX. I sent them my for validation of debt request right away ; and submitted a Complaint with CFPB. 
As of today, XX/XX/XXXX SLS failed to provide me ANY documents in support of their demand to pay them my mortgage after the property was sold in XX/XX/XXXX ; and repeatedly respond with runarouds that they are researching my inquiry. 
Worth to mention, during 5 years I received a binder-worth of similar letters from XX/XX/XXXX, 41 letter just between XX/XX/XXXX-XX/XX/XXXX, without any single document in suppot. The only brand-new looking document presented in my case was criminally concealed from the Court records by the judge, who refused to provide me a copy of this document for my records. 
I have reasonable suspicion that SLS entered into a conspiracy agreement with XXXX XXXX bank to defraud me and collect unlawful debt to which they have absolutely zero evidence in support.

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 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Without notice, my credit cards were closed by Bank of America. This was done the day before my statement closed in an effort to steal my rewards. I had about {$5000.00} worth of points on my 3 credit cards that were closed.

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 11-01-2017 about Student loan (Private student loan) with GREAT LAKES (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been a XXXX XXXX sworn XXXX XXXX  XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( education services ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an MD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent letters disputing my accounts on my Transunion Credit Report. Company stated that status was sent via email. I asked what email address they had and they responded they did no have an email address for me. They have not sent anything verifying my signature for any of the debts I disputed.

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 11/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: Due to a divorce, I was late with my car payments from XXXX XXXX and my vehicle was repossessed. I spoke with a customer representative and paid the amount I was told needed to be paid ( {$2200.00} ) in order to get my vehicle back and make the account current. Once I was financially stable, I continued to make my monthly payment on time through EFT ( based on due date and grace period given by Ally Financial ). In XXXX XXXX, I noticed that my monthly statement started listing late fees and I called to inquire as to where these fees were coming from. I was so concerned that I actually made XXXX payments in XXXX XXXX and XXXX XXXX, to insure I was up to date with all my payments. After numerous attempts to get an answer, I sought out assistance through a financial counselor. The counselor also attempted to call and straighten the matter out and was first told that all my payments for the past 7 months were a month late and that is where the late fees were coming from. While looking at my current statement and the payment history the company had provided me, the counselor asked customer service about my XXXX XXXX payment and was told it was paid on time and in full ( which tracking back through my payments means I am not a month behind but current on all my payments ). Customer service has never been able to fully explain where the late fees originated and my monthly statement does not show that I am behind.

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 02/27/2018 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. Additionally, I am allowed under Health Insurance Portability Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be reveled with the patients authorization. Therefore, my request is twofold- validation of debt and HIPAA authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (VA).
Issue: Money was not available when promised

Complaint: My mother sent me money from her Wells Fargo Bank account to my XXXX XXXX XXXX Account. It was sent on XX/XX/2017 and it is XX/XX/2017 and have not yet received the money. I have an email showing the transaction date of XX/XX/XXXX but not money as of XXXX EST. I am XXXX and trying to return home and have limited access. This is absolute unacceptable that a bank is allowed to hold onto money this long. It has been officially over 3 business days. If I was to transfer money to my mother the other way around she would get it less than 24 hours. How is it a bank can hold on to money transfer this long.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Problems when you are unable to pay

Complaint: Hi, I have submitted a complaint previously regarding my issues with Toyota Financial. I was paying a XXXX car payment on a XXXX. I was told I could refinance in few months. Well I did try 6months or so into the loan and lenders told me that 's insane, I had said this in my previous complaints with. Along with they said I can defer a payment, said they did it and I said it does n't show up, and I also explained the women had told my I needed to sign a secure message through her email, well after a few phone calls,, few weeks, months later no deferral, and I 'm argue other issues, double dipping payments on my account. On my daughters birthday, that wasted our time to sign, investigate, and reverse my money. It 's a constant run around Just nasty collection calls, and called me the day a XXXX payment came out and the women called me lier in many words just in my detail with questions, telling me does n't show, and said that 's not possible as I 'm not set up for auto pay. I said XXXX, no reason to lie, I can not talk, I 'm a XXXX and the safety of these kids is priority, she continued to keep asking for a payment, I h a d to han up on her. The latest, I received a bill through mail, that my car payments due XXXX no mention of a repo. From the looks of it, I would never have thought a repo was going to take place, as I been paying on time XXXX a month. They were also I 'm formed on many occasions I I 'm SSD and my pay is every XXXX of month. I also mentioned This up coming payment was going to come out of my previous checking account which is XXXX as I was back banking with them. Well I 'll attach my statement. Tuesday, my car was pulled from my driveway a repossession. After crying, and all that pain, heartache in any situation when your property Is taken and as the communication is there on my end, on Toyotas end it was just a nasty experience. I Call I explain my daughters coats are in trunk I really need my stuff. I said I have a bill. They said I can not pay that amount to get the car back I must pay the entire XXXX plus the guy told me. I said if I had XXXX grand in my back pocket, I would n't be late be on payments. It was just extremely hurtful, stressful and I 'm very tired of being taking advantage of. The repo guy was the most helpful, very comforting to say the least. He had told me he just got the call the night before to come for my car. It just blows my mind that this companies rob individuals everyday, such as myself to keep their accounts up. Well I had enough of doing without because they plot out who they cheat. No so let 's fix this

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: Summa ry : Ocwen is not reporting Mortgage payment to any of the credit bureaus for over ( 11 ) M onths.     Made numerous contacts with Mortgag e Company and they investigated and concluded it was not being reported and gua ranteed that it would be reported as of  XXXX   2017 . As of this date it is still not being reported.     I have contacted their investors  XXXX    XXXX   and they too stated they would resolve this issue. There has not been any action taken on their part as well.

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 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, 2015, I tested the integrity of Transunion ( " TU '' ) by disputing amount owed on XXXX XXXX Account ending in XXXX. 

On XXXX XXXX, 2015, TU instantly deleted the disputed account without verification or permission from the original creditor XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX verified to me that on XXXX XXXX, 2015 XXXX XXXX sent letter to TU to report the account. 

On XXXX XXXX, 2015, I spent about an hour trying to resolve this issue with TU customer service in XXXX. Representatives refused to give their names or ID numbers told me that they ca n't report it until they receive new electronic information from XXXX XXXX. 

On XXXX XXXX, 2015, XXXX - ID : XXXX a Supervisor from XXXX XXXX told me that TU is legally obligated to report the disputed account, and last electronically reported the disputed account on XXXX XXXX, 2015. 

TU clams that I deleted the disputed account, which is insulting & outrageous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose prepaid card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: There was a fraudulent charge on my card with chase. I got a new bank card, and the charge was for a second annual pass for universal. I explained to them that I already had one, and they saw those charges. They gave me the money back. {$190.00}, but 3 weeks later took it back without providing any information. When I called them they said that they saw the charges for XXXX was mine and the other XXXX was not in my name but they could n't verify the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2016 I applied for a deferment on my loan and I was advised to pay {$420.00}, which is XXXX payment plus a {$25.00} deferment fee. I made the payment as advised and called in and a consent to the deferment form was faxed to the XXXX Branch where I was to sign the form and fax it back. I did as I was instructed. Later in the month of XXXX I filed for Bankruptcy so there after statements were delayed and not reflected correctly. After my Bankruptcy was completed I reviewed my statement to make sure all adjustments were properly made and I found that my account reflected past due. I called in and was transferred by numerous representatives until I got XXXX who was trying to correct the issue. He advised me my deferment fee had been applied to late charges instead of the deferment. He also advised me he will reprocess the deferment and take care of any negative credit reporting I may have received and to call my account representative to correct any late fees that may have been applied, I schedule a payment with him for XXXX/XXXX/16. He advised me that I had to sign another form and it will come by email within 48 hours. I received the form and emailed it back to XXXXXXXXXXXX twice. Friday XXXX/XXXX/16 & Saturday XXXX/XXXX/16 I received calls from the collections department. I called back but it was after hours then I called again on XXXX/XXXX/16 and I was advised by collections they could n't help me and transferred me to customer service. I asked to be warm transferred but she just dropped the call anyways. I spoke to a guy in customer service and he advised me I would have to start over and pay another fee. I told him that 's not right I paid my fee and did what I was asked and that I 'm not paying another fee. The guy said well he could not help me and went on to transfer me to my account manager again I was not warm transferred and not provided with a name or extension, I was just dropped on a line that asked me for an extension I did not have. I would like my late fee refunded, interest adjusted and payments reapplied if necessary, credit adjusted if necessary and deferment processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Other fee

Complaint: XX/XX/XXXX I purchased furniture in XXXX Carolina on a Wells Fargo NO interest for 12 Months account. It took me three months to get the account settled so they would take my payments, as for some reason XXXX, XXXX, had not submitted my information, and Wells Fargo had no record of my account, and kept returning my payment funds. After much back and forth with the bank and store, I got it fixed, and I have been paying my account as promised on time as I was told that interest would be accrued after a 1 year time frame, so MAKE SURE, I have the account paid off by then. I have done so, and noticed a jump in the balance this month, so I logged in and saw a {$460.00} and {$27.00} increase on my bill. It is impossible to get Wells Fargo on the phone and I work 12-14 hours a day. I tried email, and their systems are down on the weekend to contact them to get answers, I want to know why this charge is here and why I was n't notified. I want other consumers to know about deceptive banks and banking practices so as to avoid the XX/XX/XXXX melt down this country had resulting from greedy bankers. I 'd like to know how to proceed to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT. 
I called this company they could n't tell me why they are on my report .I sent letters to company asking them to send me what ever information that was used to open this account because its fraud no response after 5 months .I sent the credit bureaus letters disputing these accounts asking them to please investigate this fraud debt on my credit report because it was n't mine and to send me whatever the company sent them to verify the account. Thy just said verified and left on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Payday loan, title loan, or personal loan (Title loan) with Simple Cash Loans, Inc., (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Due to the XXXX of my father I had to take a couple of months off to be next to him. The only resort I had at that time is to take a car title loan from 5 star Loan in XXXX, CA. I keep prepaying larger amounts than my interest but my payoff amount is been stagnant. I have been suffering to pay off that loan and have reached out to them by email and phone numerous times because I do not think my larger prepayments are being honored correctly and this is why I have been stuck. Their calculations seem pretty confusion and their explanations are very vague and I suspect that I am being scammed. I Have already Paid {$6300.00} on a {$4100.00} loan and my payoff amount is still around {$3100.00}. I have emailed them specifics about my where I suspect discrepancies but they do not want to reply by mail and want me to call. I have called before and was lost in their explanations.

Company response to consumer: Closed with monetary relief