milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

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 Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Trouble during payment process

Complaint: In late XX/XX/XXXX or early XX/XX/XXXX, I submitted to the XXXX County Tax Office {$6300.00} to cover my XX/XX/XXXX property taxes. As a new refinance and first time I had taxes/insurance paid out of escrow. When I noticed where Flagstar had just paid those taxes as well, I contacted the XXXX County Tax Office for a refund. However, they had just sent back the " double payment '' back to Flagstar. 

I contacted Flagstar immediately ( 1XX/XX/XXXX ) and they took information over the phone. I also corresponded back to Flagstar again on 1XX/XX/XXXX about this refund. ..still no refund as of XX/XX/XXXX, so I called the escrow department and talked to XXXX. He told me that Flagstar would have a run an account analysis on my account and issue any refunds after that. He stated that the account analysis would be done sometime in XX/XX/XXXX. He said that this is the same procedure that Flagstar does for any customer. 

I stated to XXXX that Flagstar runs the analysis on customer 's accounts prior to a customer sending in lump sum payments or having their loan payment altered, so, no this is not the same process since they are holding in escrow this additional {$6300.00} that should not have any bearing on running an account analysis on my account. 

I also asked XXXX if Flagstar was going to pay me interest on these funds that they have " held in their account '' for nearly 90 days. His answer was no. 

I believe Flagstar Bank is practicing deceptive trade and I would think they must legally pay me interest on those funds when these funds are simply excess funds I requested back as soon as the XXXX County Tax Office submitted the funds to Flagstar Bank.

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 monetary relief
Consumer complaint received 09/14/2017 about Vehicle loan or lease (Lease) with DriveTime (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit report and noticed I had this account on my report stating i owed a debt for over {$10000.00}. I contacted XXXX to inquire about the debt and i was told the vehicle was purchased through a company called DRivetime in XX/XX/XXXX. I informed them I was XXXX at the time and did not purchase a vehicle and want the vehicle out of my name and removed from my report immediately. I submitted documenation of my XXXX as well and still as of XX/XX/XXXX nothing has been done or corrected. 
I asked them to send me a copy of my signature, social and drivers license to validate the debt according to FCRA Section 609 and they have not done so.

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 12-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Fraud or scam

Complaint: XXXX IS RUNNING AN AD ON XXXX, LURING SENIORS TO WALMART MONEY CENTERS TO SET THEM UP FOR WIRE FRAUD AND SCAMMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus sent me a letter stating that I am eligible for a {$5000.00} incentive in coordination with my Home Affordable Modification ( HAMP ). Their letter states, 'this new benefit of {$5000.00}, which will be applied to your unpaid principal balance after the sixth anniversary date of your first trial period payment due date ' ( which for me XX/XX/XXXX so I should be receiving the benefit six years later, XX/XX/XXXX ). But when I called Seterus, they said that they are changing the date to when the loan was transferred to Seterus instead. Which would mean I would have to wait another year. First of all, what they are saying is not in accordance with the letter THEY sent me. Secondly, the sentence that I quoted from their letter is also stated on various websites of the Federal Government ( of which I have referenced at the bottom of this complaint ). So by changing the dates to match their own interests, they are not just breaking their own pledge, but also that of the Federal government. 

Effective XX/XX/XXXX, borrowers who remain in good standing in accordance with Guide Chapter XXXX, Home Affordable Modification Program, and who have submitted the appropriate Dodd-Frank Certification form or Guide Form XXXX, Real Estate Fraud Certification, may be eligible to receive a HAMP Year Six " Pay for Performance '' incentive. This incentive, which is in the form of a one-time, lump sum principle reduction of {$5000.00}, is payable the month after the sixth anniversary of the HAMP Trial Period Effective Date.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Bank of America claims they will no longer respond to and corespondents reguarding this account issue, by law they are required to respond accordingly or they are guilty in aiding the identity thief that opened this account, and technically you have been aiding this thief. First, I was represented by XXXX XXXX XXXX who practices in XXXX. Second, Bank of America knowingly provided a false address reguarding myself and that is against the law. Third, Bank of America claims they filled a XXXX, not only is it against the law to file a XXXX for an account that was a result of identity theft but there is a court case that has said that it is not right to force someone to pay taxes on miscellaneous income and expect them to pay you back, and you are actively trying to collect this by holding my credit hostage with this fradulent account. Lastly, I have received information from Bank of America directly that shows that an account attached to this one has my wife 's maiden name on it over a year after we were legally married and her name was changed on every account she had, I must say that it was a nice try sending the records up until our marriage month but thanks to your associates, I was able to get the records for a year after that. I will easily bring a written statement from XXXX XXXX stating that he represented me in the XXXX case and where he is located as well as the account records that show the wrong name on this account. I also want all the recordings from XX/XX/XXXX where I called Bank of America, if they are brave enough to send all of them, there is proof that they have said so many lies and then changed all the account information to fit their story, like how I was told that an account was closed in XX/XX/XXXX with a name that changed 2 years prior, that they also had a lawyer on this account that I have never met or talked too, an address I have never heard of, and with all these errors Bank of America still refuses to remove this account. I am done sending you documents, I am done being nice. I will present all this to a judge and will cheer when he rules in my favor.

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 03/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I opened a chaecking account with bank of america. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed?

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 11/19/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have mailed Experian dispute letters on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and they never did an investigation? They never said anything was frivolous? This has to be a FCRA violation. Are they legally allowed to do this? Do they save money by not doing their jobs? Plus I have to repeatedly ask for Experian to correct wrong names, address 's and social security numbers I have no idea who or what they are? I have been told this is a really bad thing to have on your credit, is that correct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible XXXX individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, XXXX and Equifax. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion has made no less than two requests for ID information, yet after providing the requested information they have yet to respond which puts them far past the 30-day provision as per CRA rule ... Please see their request and my response ... 
Disputed items below : ACCOUNTS XXXX XXXX INQUIRIES XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}

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 01-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I withdrew {$500.00} from a {$1000.00} line of credit I opened with CashNetUSA to pay an emergency bill. On XX/XX/XXXX I withdrew {$500.00} from the line to pay another emergency bill. When I had {$300.00} withdrawn from my checking account on XX/XX/XXXX in payment I was stunned & called their XXXX to find out if the minimum payments were always going to be that much, I was told by the representative that the next payment on XX/XX/XXXX would be for {$350.00} & none of these payments would reduce the principal at all. The representative told me this was disclosed to me & I do not believe I was given a detailed disclosure with clearly written examples when I foolishly opened the account. Very sorry. These payments are exorbitant & earn the title of " Loan Shark '' for CashNetUSA. A portion of these outrageous payments should be applied to the principal. I am elderly & depend on a monthly Social Security payment. Please see that others are warned about this " business ''! Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was promised graduation, a job & becoming certified. It spent XXXX for a XXXX program. I successfully finished my program but did n't receive a graduation or a job to pay off my loan. I am currently unemployed with a loan of XXXX that I can not pay off. They did n't help me get a job or find XXXX. I was left basically by myself to look for a job when XXXX was suppose to be promised. I 've wasted time and a lot of money on broken promises on bettering my future. I would like my money back or my loans forgiven. I do n't want to be in debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I did a short sale with a XXXX XXXX subsidiery XXXX or XXXX in XXXX 2012. It closed and for 4 years they wont report the first mortgage correctly and still show it open and in dispute. Either the bank XXXX XXXX sub XXXX XXXX XXXX XXXX or credit bureau Equifax will not update and report closed short sale and report correctly and remove consumer dispute.

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. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have noticed in the past that there were ( 2 ) small student loans ( dated Open :  XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I have a bank account with Wells Fargo that I opened in Washington XXXX in XX/XX/XXXX. I have been more or less employed since then. I was working in XX/XX/XXXX and have not worked for the past three months. I ran into problems when my Washington State Unemployment ran out and I had to apply from XXXX. They made me wait three weeks for my {$270.00}. I ran into issues with Wells Fargo and overdraft fees when I discovered they would process payments ( ie from Pay Pal ) usually recurring payments when I did not have money in my account. I asked them several times to not pay out money I do n't have and do n't charge me for overdraft fees. They ignored me. Then I would argue with them. Then Wells Fargo decided they were not going to refund any more overdraft charges. Currently I am overdrawn with Wells Fargo for {$500.00} of which almost the entire amount is overdraft fees of {$35.00}. My initial arguement with them started when I asked them to make sure my water bill got paid, and what do you know they did n't pay the amount out and then I got hit with {$35.00} of overdraft fees plus {$30.00} from the water and sewer department. All without a single human hand touching the transaction. I have called Wells Fargo several times until I just lost it and told them XXXX themselves. Now I am on a permanent blacklist. I am so sick and tired of the blame the victims mentality which translates into bullying. {$500.00} from XXXX XXXX is nothing, {$500.00} on {$270.00} unemployment is astronomical. I have been offered a job but I have no idea when that will start so I am pretty much living on payday loans which needs to be another complaint. Its ridiculous to have to pay {$35.00} overdraft fee when this is all processed by computers. If there is anything XXXX XXXX XXXX XXXX has shown, it cost fractions of a cent to process anything by computer. I admit I should not have lost it with Wells Fargo but it was supremely satisfying to tell them off. And in a civilized country I should be able to yell at Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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 XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via Equifax twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from Equifax that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Called to collect a phony debt for a company I 've never heard of.

Company response to consumer: Untimely response
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
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 and Wells Fargo keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding Wells Fargo dealer services. The account and car was charged off over 3 years ago. And we have already been through this process with Wells Fargo and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. XXXX call center is in the a different country and we ca n't get anywhere with them. This Wells Fargo needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough

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 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Corporation has reported a collection on my credit report for a bill for service that was never rendered by XXXX XXXX XXXX in the amount of {$590.00}. I was never contacted by this company to have the opportunity to dispute the validity of this debt prior to it being placed on my credit report, which is a clear violation of the FCRA. Also, this bill has been disputed and removed twice each time by the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: In XX/XX/XXXX XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.

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