milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (FL).
Issue: Shopping for a loan or lease

Complaint: I took out a loan of {$12000.00} with Prosper Loan, and we agreed that they would take {$600.00} in advancethat is to say, I only received {$11000.00} in my loan. The interest rate was 7.91 percent. 
They were going to charge me {$370.00} on the 20th of each month to cover the minimum payment, which was {$290.00} going toward the principal and {$78.00} in interest, for A TERM OF THREE YEARS. 
I agreed, and I told them that I was going to make some extra payments as often as possible in order to pay off my account BEFORE the term was up. I asked them if the extra payments I would make would be applied to the principal, and they responded that they would. 

I took out the loan in XXXX, and the first payment was made in XXXX. Ive paid almost {$3000.00}, when in actuality I should have just paid {$1100.00} for the three months. 
They have not made the monthly reduction [ of the principal ] as we agreed, neither in XXXX nor in XXXX. That is, they keep on applying interest as if I havent paid, and according to them its because I made additional payments. But theyre also applying interest to the additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Debt not validated I contacted ERC to have them validate an unknown credit collection account ( XXXX # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Credit card protection / Debt protection

Complaint: I used my Wells Fargo credit card to purchase XXXX XXXX ticket. On the Tuesday of my flight, XXXX XXXX cancelled the flight without reason. I had to buy an XXXX XXXX XXXX way ticket for {$580.00}. I was very annoyed and XXXX promised to send me XXXX miles to make up for the inconvenience. But they never did. So i filed a dispute through my credit card company. 6 weeks later, Wells Fargo initially told me XXXX acknowledged their wrong and that they ( XXXX ) had promised to issue me air miles. They promised to check my account in 2 weeks and if XXXX did not keep to their word, they ( Wells Fargo ) would issue a refund. called a month later and was told the case was closed but Wells Fargo would happily open the case again.2 weeks later, Wells Fargo sent me a letter stating that XXXX said flight was never cancelled. Case closed. This is the most unbelievable act of laziness, inconsistence and lack of investigation I 've ever witnessed.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I started a dispute online with transunion on XX/XX/XXXXand today XX/XX/XXXX still open status with no update status Ive ask them to look into some facts that where to me not right. 

Some balances that are there that should not be there

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Massive security breach from Equifax has leaked all of my personal details. This is an absolute risk to myself and all others who were victims. Their negligence and extremely un-timely alert leaves a huge amount of risk still.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (PA).
Issue: Account opening, closing, or management

Complaint: When I log into my Ally Bank account, it used to always send me a one-time login code to my email address. I always check 'this is a public computer ' so they will always require the code, as I sometimes have guests and would rather not have reason to suspect a guest if somebody hacks into my account. I also occasionally access my account from the public library. Recently, the last few times I 've logged in, it has NOT sent me a one-time login code to my email address, thereby increasing the chance that a guest, or somebody at the library, could hack into my account. I have contacted Ally several times, asking that they re-set my default login to requiring the one-time login code for my security. " do not EVER allow anyone including me to access my account without sending a confirmation email to my XXXXXXXXXXXX email address. I am on a public computer and will hold Ally responsible if there is any misuse of my account. This is the second time I am contacting Ally about this. If it happens again I will file a complaint with the CFPB. '' They responded that " we can not comply with this email verification process ''. Which is XXXX. Ally has previously required such email verification, and other online banks require it. There is no reason that Ally - an exclusively online bank, which should be at the forefront of internet security - can not do this ; they 've been requiring an emailed one-time verification code for as long as I 've been a customer there except for the past month or XXXX. Please encourage Ally to be more proactive in internet security and more responsive to customer needs by requiring such a code to be entered when I log in. Thank you.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Debt collection (Medical) with Collection Resources, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have not been notified that my hospital bill was sent to collection. I started receiving called from a number leaving me automated messages like " if this is ( my name ) please call back about your collections account ''. They call every day during working hours, no one tells me what debt I owe or who they are, just leaves messages calling and saying I need to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have been employed at a XXXX since XX/XX/XXXX and have made monthly payments that I was told qualified me for PSLF. I transferred my student loans from XXXX to fed loan serving in XX/XX/XXXX and submitted the paperwork to be considered for PSLF. In XX/XX/XXXX I received a letter informing me that I could expect notification regarding the number of qualifying payments. I have received nothing since then. I have called and learned that my information is pending and there is no way to anticipate the timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MI).
Issue: Delinquent account

Complaint: There is an account in my name with First National Bank of Omaha ( FNBO ) which is reporting on my credit reports negatively for none payments. However, FNBO refuses to provide me any type of access to this account. FNBO claims security issue with this account and or a fraudulent account. As a result of this I have informed them via phone and by mail ( certified letter ) if they report any information regarding this account to my credit report, particularly negative information, they would be willingly violating the FCRA. Again, FNBO refuses to provide me any access to this account online or via phone. Whenever I go online and enter my information FNBO 's websites states either I have no account or website error. My question is this : If FNBO themselves have concluded possible fraud or questioning the authenticity of this account and refusing to allow any payments so I can at least avoid any negative information on my credit reports until this is resolved. HOW CAN THEY REPORT ANYTHING to the credit bureaus? I have documents to attach I also have recordings of phone conversations ( do n't know how to attach those ). I have also sent letters to XXXX, XXXX and XXXX XXXX disputing the negative information. I have been denied business and personal loans as a result of FNBO 's reckless and willing violations. Finally, from previous records on my credit report it seems the original balance on this account was {$4000.00} however FNBO at sometime lowered it to {$1000.00} causing an effect that displays more negative information with this account being severely over the limit ( account balance around {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: No response on complaint investigation for XXXX after 2 years. I ordered ScoreWatch from XXXX ( Equifax ) and Equifax is still reporting inaccurate information. Original complaint regarding XXXX XXXX XXXX reporting inaccurate amounts ( showing full amount due after XXXX was issued ) and inaccurate dates ( recent lates after charge off, after XXXX issues ) is documented in report XXXX. 

Additionally, it is now reporting several recent late payment dated after the XXXX was issued when I disputed in XX/XX/XXXX. Since the account is closed at charge-off, there is no late payment after XX/XX/XXXX. I have been denied tens of thousands in potential credit for " recent derogatory remarks '' on items that are six years old. 

It is well past 60 days for CFPB to investigate -- it has been over 2 years -- and nothing has happened. All other credit reporting agencies have changed the amount to XXXX per XXXX/IRS guidelines. Repeat requests to change this information has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for  one  of us every two months. For the fourth year in a row now, neither  one  of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and  two  supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree  XXXX , to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX, XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is. Additionally, I know they have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize them to have access to the information. I intend to pursue filing a legal complaint unless they immediately delete this item from my report and stop all attempts to collect. Of course, I want that in writing too

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Wells fargo is not reporting my direct deposits to XXXX XXXX XXXX. I need this to be reported so I can use this service. <P/>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 12-03-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Manufacturers and Trust company dba M & T bank ( New York ) has paid a disputed transaction. I contacted the vendor and they stated that I DID NOT have an account with them. M & T bank contacted the vendor and it was stated I had an account, which if so, I do not know where the magazines are going. When this first charge appeared on my account I made contact with both the vendor and M & T bank.This XXXX XXXX scam has been ongoing for years. M & T bank hides behind the underpaid telephone representative while in the era of identity theft and bank scams and the only recourse I have is to submit another letter or more proof to a fax number that I do not know where it may go or who may see it. I am not satisfied with the way M & T bank safeguards my money. The transaction date : XXXX/XXXX/15 description TIMEXXXX IS FRAUDULENT. Transaction amount is {$59.00}. I insist that they return my funds. In addition, M & T bank needs better communication between consumers and their so called investigators, or the ability to speak directly with those so called investigators.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: On the date of XXXX XXXX while trying to make a {$500.00} deposit at a Wells Fargo branch the teller stated to me that I forgot to put my account number on the deposit slip after giving her my money and I.D . The slip was returned to me along with my I.D . but no money was returned. So at this point I feel out another deposit slip and return to teller she says to me I see you want to deposit {$500.00} but there is no money. I stated to her I gave you {$500.00} in {$20.00} bills she replied back that I did not. My issue here is that the bank did an investigation on Monday the XXXX of XXXX because there was no security on site on the date of the incident. My money was returned to my account on Monday evening of the XXXX. The explanation I was given was it was a mistake but never saying what happened and the explanation came from the police Dept. I feel as a consumer I deserve a better explanation then it was just a mistake. My question is where did my money go at that time of the mistake and why could n't the mistake be cleared up at that time. As being a part of an investigation I feel I have the right to know the out come of the investigation in full. Giving me my money back was appreciated but doing this with really no explanation but only it was a mistake is like saying here is your money now go away. Again I need to know the truth in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: It has been very difficult for me to pay my mortgage by the due date of the XXXX of each month. I make payments on my account every month before the XXXX of the month. Nationstar charges me {$71.00} in late fees and {$9.00} processing fee for the 5-10 days that I 'm late. Currently I owe late fees of over {$500.00} in late fees and I do n't see being able to gather enough income by the XXXX of each month any time soon due to my financial situation/income. So every month to compound my financial struggle Nationstar starts to call me daily starting the XXXX of each month and I tell them that I wo n't be able to make a payment till the XXXX of the month. They call me each day after the XXXX of the month to harass me for this. It is very anxiety proking. So I am charged over {$80.00} and harrassed each month on top of struggling to pay my mortgage. I have been refused for a XXXX loan 4 times because they consider it a XXXX home because I airbnb out my home to help pay the mortgage even though all the utilites are in my name. All I need is to extend my payment grace period to the end of the month so that I can avoid late fees that I simply ca n't afford. My loan ballooned from {$1600.00} to {$1800.00} causing this issue. Also the only option I 've been given by nationstar is to pay extra {$2200.00} for 4 months so that I can pre pay 1 month of my loan adjusting the grace period. That is not a realistic option for me as I 'm struggling to pay my mortgage as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This company has been harassing me for over 4 years. Im not sure where the original debt came from, but they have called me 3-4 times a week since XX/XX/XXXX, as late as XXXX. They have harassed me for so long I had to delete my cell phone number that I had for 14 years. The debt collect is Wakefield and Associates. The charges are as followes. 
Principal interest date XXXX {$170.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX The original totals are almost HALF of the requested amount. I have Heath insurance ... this company has harassed me into a depressive state over a few dollars. My girlfriend left me over the XXXX and XXXX of this company calling me every day. After I deleted my phone number they used my girlfriend tax return to get her phone number and hurrassed her, saying that I would be thrown in jail, and she would be charged for protecting my identity from these evil maniacs! How is it legal to double the amount owed! Call me every day! Contact my MOTHER about this debt?! Are you kidding me?!!!! Im at a loss ; im furious, I feel cheated, I dont know my rights, but this is abuse. Theyve threatened jail time, legal litigation, and to come after my home, car, job, and personal effects.

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