milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with Creditors Collection Bureau, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called the credit collection agency that had XXXX different claims on my credit report. I had no idea that this was even on my credit report. The lady on the phone said that I owe way more then what my credit report said. I asked here what it was for and she just told me I have XXXX open accounts. I again asked what for and she did not answer. I asked here to please send me a letter explaining the charges and that I am liable and she said that she would not do that but she could tell me over the phone how much I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: The courses that I was scheduled to take were never offered. They were too few students the school stated to offer the courses and as evidenced by their own accounting transcript classes were cancelled and that there was no teacher available for classes that I was present for. Allegations that I missed classes are erroneous and false. The school promised to provide a quality technology experience that would help me to get back into the workforce. It did not and was not prepared to do so. I signed for an original loan of {$10000.00} but the loan amount was changed on XX/XX/2007 without application for additional funds doubling the loan amount to {$19000.00}. I was not scheduled nor did I apply for a second semester of courses but the school attempted to show on the transcript provided that I did and that I did not attend the classes offered. I have secured all of the documents from the school to support my allegations. To date I have paid over {$30000.00} back on a loan of {$10000.00}. We continue to pay the loan to protect my credit. Navient also indicates that I have missed recent payment but I pay each month. My contention is that the company fraudulently assigned another XXXX to my original loan amount without my signature for classes that the school did not offer and had no intention to offer and for which I did not sign register for. I have attempted for ten years to rectify this situation. I have the relevant documentation to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Credit card debt) with ASTA FUNDING INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   I n NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint against Selene Finance due to the fact that I am going through a modification but I am being foreclosed on XXXX XXXX, 2015. When my account was transferred to Selene from XXXX XXXX XXXX, I was going through modification. I told Selene that I wanted to do a Deed in Lieu but was told I had to go through the other modification processes first, trial modification, short sale, then Deed in Lieu. Went through the trial modification. Submitted financial documents. My representative XXXX XXXX got with me and determined that my finances did n't allow me to be able to pay the {$910.00} trial mortgage payment. We contacted them and provided the information to them. After that was over in XXXX I began working on tthe short sale. I contacted a realtor to get help with that. I did n't know them personally but they told me they could set it up for me. Submitted information. Did n't hear anything from Selene so assumed everything was good. Then in XXXX, I got papers from the XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX saying I was being foreclosed on. Contacted Selene to find out what happened. Could n't reach my loan resolution contact XXXX XXXX. I was told that paperwork was n't received. Told them that everything was sent. They never contacted me to say anything. XXXX XXXX is supposed to be working with me and has n't lifted a finger to guide me or help me through this process. I have no idea what is going on. I have been treated terribly and this is n't fair. I need help and do n't know who to talk to or where to seek help. I do n't know how the foreclosure works and if I will just be put out one day while I am out. I am concerned and do n't know what to do. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax refuses to dispute these items XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX total amount {$950.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Total amount {$1100.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX The amount is {$300.00} XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX {$670.00} is the amount All these accounts are fraudulent and furnished on properly someone stole my identity and used to rack up medical debt the XXXX XXXX XXXX XXXX XXXX   never used XXXX XXXX XXXX and they're showing up on my credit report which Equifax refuses do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted XXXX XXXX XXXX on two occasions to resolve this inaccurate reporting to the three credit agencies. I have requested validation of this debt ( disputing the companies claim ). My two letters have gone without being answered which has equal to 60 days total.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan modification,collection,foreclosure

Complaint: since XX/XX/2013 I have been applying for loss mitigation and have always denied saying they did not receive the documents they asked me, I even went with an organization that helps those who made me all the paperwork and sent the required documents, but when I called the specialist assigned for the Bank who never answers only record label, said that the Organizations had sent compressed documents and it could not be opened, it is clear that the bank is not suitable to accept my applying for loss mitigation denied on the pretext of not receiving my full documentationEven though I meet all the requirements for this program, The last time call with an employee of HOPE and they said they already had all completed documents, however just receive a letter from the bank saying that they Declined because they do n't have the required documents. I call the specialist they assigned me but were unable to attend me, and meanwhile my debt continues to grow and foreclosure continues for sale. This is my only shelter, I am a senior citizen and need to stay home if they approve my applications, I can make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Billing disputes

Complaint: Citi Bank, the issuer of my XXXX credit card, put me on an automatic draft that I did not know about. I made payments not knowing which then took double payments out of my account. I was promised that the money would be put back into my checking account today XXXX/XXXX/16 and the money is not there. I have been given the run around all day about who can and can not help me with this issue and was treated quiet rudely by XXXX separate employees, including XXXX XXXX XXXX in TN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Hi Wells Fargo Bank Employees Ripped of Customers XXXX XXXX #? Accounts I Banked there, I, m Very Sad, and Appauled at this Bank, I made a Business Account in the Wells Fargo Bank, To Start a Co, when the man wanted me to use my XXXX XXXX XXXX and Bank Card, he said the Machine was n't Working about 6 Times I Slided it through? very Fishy Scene, I think theres a Hint to my Account involved in the Wells Fargo Bank Rip off s of Me, Period, I Banked my SSI Checks there for over 7 Years? I would like a Full Legal Document Stating, What are my Restitution Rights for being, Depressed, Angery, and Not Trusting Any Bank up the Street XXXX of Them? I would like a Full Total of my Rights of Whats Owed to me = From this Sick Rip off, Legaly Stating Amount $ $ to be paid to me, and Mayby I, m going to Take to Court? Please asap By

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 06-09-2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX   2017 Wakefield & Associates  posted a collection in the amount of {$410.00} to my credit report. I did not receive a letter regarding this debt and have no idea what it is so sent a debt validation letter via certified mail on  XXXX / XXXX / 17 . Tracking showed it delivered on  XXXX . I have not received any response but I was under the impression they are not allowed to attempt to collect or continue updating regularly to the bureaus until they verify the debt. They have updated on my reports 3 times since receiving my request on  XXXX . Once on  XXXX , once on  XXXX , and once on  XXXX . I submitted a complaint on BBB last week and have yet to receive a response. Also, the alleged debt is said to be from my local hospital but the hospital is not familiar with this collection agency. I want it removed from all of my credit 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 04/21/2015 about Debt collection (Credit card) with Eltman Law, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had the judgment for this debt vacated in 2011 against XXXX and now this new company is contacting me about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Vehicle loan or lease (Loan) with Experian Information Solutions Inc. (MI).
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: I purchased a  XX/XX/XXXX   XXXX   XXXX   with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the   XXXX   XXXX   in for  XXXX    XXXX   XXXX   on  XX/XX/XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car (  XXXX   XXXX  )  XXXX  Initially there wer e two 30 day lates, one re ported on  XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  one  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX  so how can we have a 30 day late on our credit report for  XX/XX/XXXX  &  XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XX/XX/XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.

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 12/29/2017 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Payday loan () with Cash Express, LLC (TN).
Issue: Can't contact lender

Complaint: I had a cash payday loan with cash express have been paying until I got in a finical bind, I tried to talk with them to see if they had some kind I payment plan or something I could do to make paying easier they said no and refused to work with me, now they have started harassing me by calling my home demanding money and also come to my home demanding their money and leaving letters on my door when I am not at home is there any way to stop them from coming to my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with  Flagship Credit Acceptance , in  XXXX    XXXX   the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to Flagship causing additional fees. Flagship received the payment in  XXXX   XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that Flagship does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.     Flagships poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was report ing 60 to 90 days late, Flagship being spiteful replied that the issue is resolved and now changed the account to 90 to 120 d ays late.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had an account with this company  XXXX  years ago but everything was returned. Now the company is reporting I owe them to Experian. It 's under an incorrect address, the account is listed as closed and charged off but they keep changing the balance. I 've contacted them via certified mail in  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX . They failed to mark the account disputed which is a violation of law they also keep dtatint account verified however when asled to produce the validation information or signature binding me to the contract they do not or they do n't respond. I 've been keeping careful documentation of my communication with them. The account started off at {$2400.00} now it 's {$3000.00} and stated the account has a credit limit and it 's closed and charged off. I 've now sent certified letters to Experian as well and they are saying it 's validated but are refusing to send me proof or contact information for the creditor and has not removed it or marked it disputed. This account is incorrect, not following metro  XXXX  compliance, unverifiable and unfair 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 12/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX XXXX, XXXX when I first put in a complaint Wells Fargo has not even had a underwriter speak to me They refuse to get on the phone an discuss reasons for denial. I have repeatedly inquired and requested for a specialist to allow me to make my original payment and or come up with a payment arrangement. All are losing site of the fact that I was a NON ESCROW account not in default paying my taxes and monthly payments. the town accepted my payment arrangement for taxes. Wells Fargo came in and went against my original loan documents and forced me into escrow making my payments XXXX more a month. The end of the month is coming and I will for the FIRST time be late on a monthly mortgage payment. they will not allow me to make my original payment and will not even talk to me about a resolution. I am fearful of going into foreclosure and it seems wells Fargo does not even care. I have requested for their policy in writing to discuss the terms they have placed on me and they stated that it is an internal policy and they do not have it in writing. Why would a bank not want to make arrangements and avoid going foreclose proceedings and go in front of a judge. Pease help me I am in extreme distress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was asked about loans that I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I just refinanced my mortgage to a 15 yr fixed. I sent in my payment with an extra payment. I noticed the loan company is not reducing my interest charge based on the principle amount owed. I called the loan company and was told that my interest payment is never reduced from the amortization schedule, that I will always owe the stated monthly interest no matter what the principle is.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I wired money with bank of America. on XXXX XXXX, 2016. I provided the information they requested. I called them today to inquire about the status and they said it did not go through because there was an " ABIN '' that was required but BAO did not ask me for when we sent the wire. 
BOA returned a portion of the money to my account but kept {$40.00}. I called BOA to inquire but they were rude and the person that handled my call placed me on hold for 45 minutes and never returned to the call. I spoke with a supervisor ( XXXX ) who was extremely rude and unprofessional. She talked down to me and insulted me. 

She refused to help whatsoever and said that I should call the bank on the receiving end to find out what the issue was. I paid BOA to do the money wire and provided them with the information they requested. They failed to wire money and now they are failing to return all my money and I lost {$40.00} for their failure to do their job. 

They should know what information is required for the wire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Other mortgage) with Seterus, Inc. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home with veterans home loan XXXX XXXX at 6.7 % for XXXX. XXXX XXXX and XXXX XXXX XXXX handed it over to Seterus formerly known as XXXX XXXX. I began having trouble keeping up and went through the forebearance process. My last timely payment was at some time in XXXX. I requested a modification in XXXX. It was granted and I was paying on time XXXX at 6.7 %. XXXX months later Seterus Mortgage increased my monthly payments to XXXX per month. I could not afford to continue payments. Since XXXX XXXX I have been trying to get a modification loan at a lower rate.

Company response to consumer: Closed with explanation