milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian Credit Bureau is not verifying accounts before reporting them. This is in violation of the FCRA Section 609. Which states that reporting agencies are to verify all contracts and signature prior to reporting.

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After spending almost a year in an attempt to request short sale of my only rental property from WF Bank, I gave up and requested a Deed In Lieu of Foreclosure. WF finally approved the DIL after 8 frustrating months. In their approval paperwork, they stated that the property needed to be vacated by XXXX XXXX, 2015. I received this paperwork on XXXX XXXX, 2015. Since this is rental property, I am required under law to give my tenants 30 days to vacate. This is compounded by the fact that my tenants are XXXX and XXXX. XXXX XXXX was a XXXX, so I could not serve my tenants with a vacate notice until the following XXXX, XXXX XXXX, as I live out of state. I served my tenants with a notice to vacate by XXXX XXXX, and advised WF Bank as well as their law firm of the lawful date change. Today, XXXX XXXX, I was advised by WF via telephone that my DIL dispo was changed from approved to denied, because of the vacate date change. They expect me to break the law and force XXXX XXXX people into the street? I am not callous and I wo n't break the law. I do n't understand WF 's tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (FL).
Issue: Advertising, marketing or disclosures

Complaint: In XX/XX/XXXX I took an exchange offer line XXXX and they sent me a Citi Bank prepaid card with {$160.00}, I save my card waiting buy something special when I was ready to make my purchase I noticed that the card had expired in XX/XX/XXXX, so call XXXX in XX/XX/XXXX, I told them my situation, the operator told me we will re-send a new card in 15-20 days. 
30 days past again called XXXX to ask the status of my new card so they told me, they can not send a card for that type of card could not send again and them they connect me to the Department of Citi Bank Cards where they say the funds expired with the card. 
I call back and talk to XXXX XXXX ( XXXX ) and commented the situation and says that certainly could not get a new card because they do not manage more funds that XXXX promote, and that the funds expired with the card, so I ask them " t who has my money '' and they said " has expired ''. After talking with XXXX I communicated with XXXX employee number ( XXXX ) who just told me that he was the highest authority and that funds had expired. 
I never used my card or money and they saw the system, I do not understand you can not give me another card, where 's my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once.

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 non-monetary relief
Consumer complaint received 03/20/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my relatives asking about my debt and requesting I call them back. They have no right to do this. Also, the company keeps calling and with different numbers over and over!!! Enough already ... I know I owe debt, give me a break ... stop with the calls and don't call my family!!!!

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 09-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Solutions To Portfolios, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received several threatening phone calls XXXX times a day at work and on my cell phone about a debt that I owe to a company called XXXX. They harass me threatening the money I owe is a felony which it is not and threatening to call my employer and disclose information to them. I have asked them to stop calling and they will not. I have voicemails on my phone harassing me and telling me that if I do n't make a payment by a certain time that day that will take me to court. I told them to take me to court, and that I do n't deserve to be treated this way yet they keep calling, yelling at me calling me worthless hanging up and then calling right back. I keep blocking the numbers they call from and then they call me from different numbers. They will not give me their address or actual telephone number or even tell me the name of the person I am speaking to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Credit card) with Orions Management Group, LLC (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Years ago, I opened up a credit card with XXXX XXXX. I was doing a good job paying everything back on it that I used, but then my family and I had an emergency in which we were being kicked out of our home. I had to use the credit card more often and had no money to repay what I used. Eventually, it accrued more interest and was closed. Yesterday, I received a call at my job from a credit debt company called Orion 's Management at my place of employment, looking for my supervisor. I got the information from them and called them back from my personal phone. I spoke to a XXXX XXXX ( XXXX? ), and asked him why he was calling my work. He told me his company had left several messages with me ( they had n't left any messages, as far as I know ) trying to get in contact with me and had received no word. They told me they were calling my work to speak to a supervisor about garnishing my wages, for an ~ {$800.00} credit card bill. They told me they would file for a judgment against me. When I told XXXX XXXX that if I were to pay it off right now, I would have absolutely no money for my rent or bills, he became extremely rude and told me " Well then, get out your calculator and see what XXXX % off of your paycheck will do to your rent, '' and then we hung up. I feel that Orion 's Management has broken the law several times in that one phone call. XXXX XXXX called my place of employment, for one, after his company had called my place of employment once before and my Supervisor told him not to call anymore. He also wanted to speak to my supervisor about garnishing my wages, which is something he should not be able to do without an official judgment against me. His rudeness and bullying also caused me, who is diagnosed with XXXX and XXXX, to become XXXX and cry while I was at work, making it difficult for me to continue doing my job. I feel that XXXX XXXX has most definitely broken some laws here and I would like for his behavior to be investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted Portfolio Recovery when my wages started being garnished and asked them to send me proof of said account. Now all 3 credit reporting agencies have no record of this debt from the " original creditor '' and they have failed to provide me any proof that this is MY debt. They claim this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and sold to them in XX/XX/XXXX. I have no court documents of a collection, summons or judgement being issued to them for this debt. No paperwork for Wage Garnishment Court Order, Copy of Summons, ca n't find anything. No one can seem to find the paperwork and this has caused me undue stress. I have suffered undue hardship due to the wages being taken and I am past due with bills and the holidays are coming and no work means no pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with Williams, Rush & Associates, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a collection account under my credit report who I do n't have any idea who the company his. I get harassment calls all the time and all days with treats. Telling me they going to take everything I owned and put me in jail. I get XXXX kids at home to feed and this calls scare me a little bit. I want this to stop especially from someone I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Recently I have applied for an apartment, but have been declined due to wrong information in my Equifax file. There should n't even be an issue to begin with since I just turned XXXX and have yet to start establishing credit. So I called them to resolve the issue. They told me to fax them a copy of my Social Security Card and Valid ID so I did. They informed me it would take 48 hours to update. I called a day after it had been 48 hours to give them plenty of time to update my file. They then informed me that they have received my fax with my information, but have yet to update my file. Also, that specialty department that will update my information does n't take calls on Friday so I now get to wait until Monday to call them yet again since nothing has been resolved in the time frame they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This Complaint is related to Case # XXXX - XXXX and XXXX - XXXX ; Loan # XXXX. My home is scheduled for foreclosure and I need the Service Provider to provide me an answer as to why they have not assessed my Loan Mitigation Application based on the updated Profit and Loss Statement ( Income ) that was submitted to them. 
Here are specific details of my case. 
1. RCS acknowledged they made a mistake and I appealed their decision to reject the Loan Mitigation Application within 30 days. 
2. The basis of that appeal was the updated Profit and Loss Statement submitted to RCS as part of the appeal letter on XXXX XXXX, 2015. This updated Profit and Loss Statement is included in Exhibit XXXX. The average monthly net profit from the business is {$6400.00} per month ( {$38000.00} divided by 6 months ). When you add my social security income of {$1900.00}, my monthly income adds up to {$8400.00}. This is the monthly income on which RCS needs to assess my Loan Mitigation Application. 
4. The way I have calculated {$8400.00} as my monthly income is exactly the same manner RCS calculated my monthly income earlier based on the preliminary Profit and Loss Statement. This preliminary calculation from RCS is included in Exhibit XXXX. Hence my {$8400.00} is my correct monthly income. 
Therefore, based on the above, RCS needs to assess my Loan Mitigation Application based on the correct updated Profit and Loss Income and my Social Security Income. This amount comes to $ XXXX and not {$7800.00} as claimed by RCS. 
Therefore please ask RCS to read the documents I have mailed them as part of the appeal and to evaluate my Loan Mitigation Application based on the correct monthly income of $ XXXX all the above documents were attached to this Complaint before and are in possession with RCS. They were all submitted as part of the appeal documents mailed on XXXX XXXX, 2015. 
Thank you. 
Sincerely, XXXX XXXX XXXX ( Borrower and Homeowner ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CHEXSYSTEMS IS A RICO-EXTORTION RAQUET, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO XXXX ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

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 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know who erc is. It looks like it 's for XXXX on my report. I had XXXX for several years and XXXX before that. I am not aware of anything on my credit that 's delinquent and I have nothing for this balance. I pay my bills in full every month. I have made several attempts to contact them. This needs to be removed from my credit profile. It is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: DITECH FAILED TO PRODUCE A H.A.R.P. REFINANCE LOAN, THIS WAAS A DIRECT RESULT OF THEM NOT BEING ABLE TO PULL XXXX CREDIT REPORTS AND SCORES. SEE XXXX REPORTS FOR BOTH AS MARRIED COUPLES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: hello, my problem is that in XXXX, XXXX bank, which is now bank of America gave me a home equity line of credit of {$300000.00}, when my yearly salary was under {$60000.00}. and then in XXXX XXXX bank gave me another {$120000.00}. I believe they should of calculated my ability to pay better than they did. now 13 years later, and XXXX tears of age, I still owe {$420000.00}. with a yearly salary of {$52000.00}. with the interest rates going higher I 'm finding it extremely difficult to meet my obligation of paying these mortgages. I 'm afraid foreclosure is inevitable.

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 07/28/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Settlement process and costs

Complaint: My home mortgage closing is pending. Wells Fargo has known about the closing date for over six weeks. I signed a XXXX twice for the loan consultant and loan doc specialist to obtain the tax transcript from the IRS. Our closing was set for XXXX/XXXX/16. On XXXX/XXXX/16, our loan consultant informed us that Wells Fargo failed to obtain the correct form from the IRS. She could not get approval to close the loan without it. She had no idea when she might receive the form from the IRS. We have already closed on the sale of our former home. and our living in temporary housing. We had to cancel the movers. We do not know when to reschedule the movers. We are paying penalties for the temporary housing as well as the cancellation fees. I had to reschedule utility hookups, but I do not know when a date to reschedule them. This is a horrible experience, and I will never recommend Wells Fargo to anyone. So far, this has cost my family an extra {$2000.00} to cover living, deposits, and cancellation fees. To make matters worse, she blamed it on the VA and the IRS. Both agencies told me that it is a Wells Fargo requirement to only accept the tax transcript directly from the IRS. It is clear that the loan consultant and loan doc person failed to review the file in a timely manner even though we submitted the correct form weeks ago. I suppose this is a customer service complaint instead of a legal issue, but I will also send it directly to Wells. I have several suggestions for better service from Wells. 
1. Review the document file several times. 
2. Notify the buyer well before closing that something is missing. 
3. Accept the tax transcript from the buyer. I downloaded it directly from the IRS website and received it in minutes. I could actually drive to their office and download it for them, but they will not even return my calls. I am not sure why they can not request it electronically. So, we are out of money and still have not closed on our house because of one form that I was able to obtain in minutes, but Wells can not seem to get in weeks.

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 03/21/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Several paid collections came off of my report, then after I bought my house, those mysteriously came back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (I do not know) with Wilber and Associates, P.C. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Wilber & Associates continues to harass me and collect a debt from me that I do n't them. I never established a contract with this company at all. I really dislike how they are threathing me with legal action. That is in complete violation of the law.

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 Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I got a letter from RCS on the XXXX/XXXX/2015. XXXX what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' XXXX XXXX and RCS committed fraud. Not one of these companies could tell me who was the lien holder are the not holder. The reason is there 's not one. Because I do n't owe any one any thing.I will send the contract to your service in a coulpe of days.

Company response to consumer: Closed
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX did a hard-pull of my credit report with Experian without my express consent. I want this report to be removed from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX and navient for XXXX of my student loans. They both boast that after 12 months of payments you can release the cosigner. So last year I started this procedure. I supported the documentation needed to both companies and received an approval from Sallie mae after the 2nd try and a rejection from Navient. After numerous re applying and then calls to them I come to find out that I have to make 12 consecutive payments of principal and interest to them and in XX/XX/XXXX a pymt was made but not equal to prin/int pymt. Even though I made a number of payments in excess of XXXX to XXXX dollars which did not count. So ok I wait till after my XX/XX/XXXX payment of prin/int and reapply. They go through the motions and reject me again after a credit/employment check. Stating I owe too much money and do n't make enough so they ca n't release my cosigner. All of which was never explained in the directions. I am beyond frustrated. My mother would like to be released and would not have agreed to be a co signer if this was known before we applied. Not to mention this loan has an interest rate variable of 7.25 % or more. The lady I spoke to was XXXX, her solution was to get another loan to pay this one off and get the cosigner off of it. Huh! That does n't make sense. I know there are multiple lawsuits against navient for these same practices. if there is a class action suit in the works i would like to be included in that. this company is bad news. i will never refer anyone to them.

Company response to consumer: Closed with explanation