milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2016 about Credit card () with Denovus Corporation, Ltd. (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have contacted Applied bank several times about this account and I have also called them. They told me this account was sold to a Denovus corporation. Well I asked them if they are able to contact this company and ask them to call me. So finally the company called and I gave them the information about the credit card and I informed them that I had been a victim of identity theft and fraud and that this was not my account. But instead they insisted that it was so instead of arguing trying to get the information take off my credit I told them if we came to a settlement agreement I would pay the account off in full and I would then want this account deleted from my credit. Well XXXX told me that I could pay her {$410.00} plus another XXXX to pay for delete. I told her if I pay the XXXX you should delete it off anyway without me having to pay. Then she said and it will take us 45 days to delete it. I told her no I am not paying you to delete it off my account and I am not waiting 45 days. She said well that is the only way you will get it done or are you refusing to pay. I told her well to be honest I do n't have to pay it because I was a victim of Identity theft and fraud and its really not my account. so it should already be deleted without me having to pay anything. A letter was sent to you from my attorney and you ignored it and I sent in affidavit to you also and you ignored it so I am calling to either ask you to delete it or make a settlement arrangement and you telling me that you ca n't do it. she said no we cant. I said ok then I am refusing to pay until you can tell me you will go ahead and delete it I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for refinance for {$150000.00} on my Current Home " XXXX XXXX XXXX XXXX FL XXXX ''. With cash out I want to buy another home with down Payment of 50 %. Down payment I have in my account amounting about {$150000.00}. With the consent of Loan officer I asked for refinance, though refinance is not allowed to buy another property. Due to one or the other reason underwriting came to know that I am buying another property. They asked me to submit the purchase agreement for new property which I signed on that day and submitted. I submitted all my XXXX statements showing that funds came from XXXX " sale proceeds of XXXX property " proceeds were in form of XXXX /XXXX deposits because under exchange control regulation you can not remit beyond a certain limit. I submitted all wires. I received Close out date, hud, and al that is needed under the law. I signed all documents. Then they started to ask me source of deposits. I did not go to XXXX myself for close out. I send a power of attorney ( submitted to bank ) to my brother who was a buyer. Two days ago I received declined with reason " we can not verify the Residence '' I do not agree with it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DriveTime (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my credit report

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 02-12-2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 'm XXXX years old. I have a full time steady job and make XXXX. I pay no rent and do n't have many bills, I 've been trying to get a car for a while but my credit score always says XXXX not bad or good but just XXXX I need help I really need to get a car I have money for the down payment and monthly payments I just need some sort of credit to help me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have satisfied my obligation to the IRS in full now. My local County Recorder 's office continues to report an OPEN IRS tax lien. I provided the Recorder with the attached satisfaction letter, and they refused to report the IRS 's lien as satisfied. I asked for a copy of the lien they were reporting, and was refused. I was told they had no obligation to provide me with a copy of that lien. I have sent a copy of my credit report ( also attached ) to the IRS - asking that they update their reporting ( showing satisfaction ) to the County Recorder 's office - but have not seen a response.

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 05/23/2017 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: I have disputed    XXXX   XXXX   XXXX   numerous of times on my credit report with   XXXX   and EQUIFAX. It is showing as an repo on my credit. I have asked for debt validation from   XXXX   CB 's and orginal creditor. I have asked for an copy of the orginal contract. I have called the creditor and was informed that they have no trace of the contract that an agent will request to see if the warehouse has it. That was o n  X/XX/17 .   On  X/XX/17  I ca lled back and the agent told me she doesnt know why but there isnt a contract on file. This is creating an hardship and I will proceed to sue if this error isnt corrected.   XXXX   a nd EQUIFAX is going against the FCRA by not looking into my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was XXXX and mailed the credit card payment, the XXXX 2016 payment was received by Barclays in time but was n't processed in time making my account 30 days late. I have wrote the company numerous time with no result.

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 10-03-2015 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I got a home equity loan, that shows up as a revolving line of credit on XXXX of my credit reports.This is not a revolving line of credit. Any help with this matter would be greatly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have called and complained multiple times that this is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Interstate Recovery Service, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Interstate Recovery Services is pressuring me to pay a debt they claim I owe ( {$890.00} ). Deceptive marketing, fraud and harassment tactics are used in attempt to collect payment for so called magazine subscription contract from All American Readers ( ARR ) that they say I owe. I was contacted by XXXX saying that they would send me a free {$250.00} gift card with the purchase of XXXX magazines. I rec 'd the magazines but not the gift card, then began being charged $ XXXX on my debit card. I tried cancelling but could not. My bank reimbursed me and cancelled my card. Now I receive constant calls and letters threatening legal action if I do n't pay. And have been turned over to Interstate Recovery Services for collection of so called debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Billing statement

Complaint: XXXX use my XXXX ( provided by Wells Fargo bank ) card number ( ending in XXXX exp XXXX ) for recurring charges. 
Since card ending in XXXX expires on XXXX Wells Fargo card company send another credit card ending in XXXX exp XXXX. 

But XXXX has old card number ( ending XXXX and exp XXXX ) on their file. I never updated billing card information in XXXX. Neither I activated new card ( ending XXXX ). 
But still Wells fargo accepted credit card charge from expired card. 

I was sure that since the card has expired XXXX will not be able to charge using old card information. But Wells Fargo card service has accepted the charge on XXXX and XXXX. Since I did not use this card anywhere I did not pay attention to Wells Fargo card account. Hence I miss payment. On XXXX I got billing statement and found that I owe {$91.00} with the late fee of {$27.00}. 
I contacted company customer care and they inform that since my account number remain same they will accept the charges from expired credit card. But when I check my new statement account number it ends in XXXX. 
My question is will credit card company accept the charges on expired credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2014 I moved. I paid my final bill with XXXX. XXXX sent a collection notice for this several months later. I contacted them and explained that this was paid. The service person said that they ( XXXX ) had system troubles during that time and that she would clear this up and remove the collection. 
XX/XX/XXXX I received the attached collection notice for that amount. I contacted XXXX and spoke to " XXXX '' who assured it would be handled. 
Southwest Collections, the agency, has since been calling me offering to settle the account WHICH I ALREADY PAID. 
I want this removed from collections and I want southwest to delete it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with ALLY FINANCIAL INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I previously reported a duplicate entry to the creditor. They removed the duplication from my XXXX XXXX credit report ; however, it is still reported on my XXXX credit union. Therefore, I am submitting this complaint on the creditor due to their failure to correct this information with all three credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had bank of america and when I was trying to get a modfication they told me to stop paying my mortgage so I did cause they told me i was more likely to get it if I showed I couldt pay now they reported I was 17 payments behind on my mortgage which i was not and they refuse to take it off my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ( The choices above do not accurately describe this situation, I selected the one that I felt was best. ) Southwest Credit Systems ( SWCS ) has been reporting a collection account on the XXXX main credit bureaus for a XXXX account ( # XXXX XXXX since XXXX/XXXX/2015, in the amount of {$330.00}. SWCS was made aware of the fact that these charges are not accurate and in dispute based on the cramming activity XXXX was engaging in ( Federal Trade Commission v. XXXX XXXX , XXXX ). 

I was not contacted by XXXX, as I have moved from my previous address and never received information from them regarding Federal injunction or class action. I only became aware after reviewing my credit report and researching online. An online page was set-up, by XXXX, to aid in getting information regarding old/closed accounts, but it has since stopped receiving new complaints or allowing for review of old/closed billing information. 

I do not think the balance {$330.00} being reported by XXXX is correct and they refuse to change or cease collecting on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have had this loan for 18 years which first was {$2000.00} student loan it is now XXXX Navient traps you into a loan that is unpayable. The daily interest is charged to this loan i have tried to convert this into a fixed rate which they do not do. I need help understanding why i owe XXXX XXXX my loan in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my husband lost his job as a XXXX. All of the work in our area came to a complete hualt. He did n't work for 2yrs in between that time we had a passing away of his mother which we ended up having to pay for the funeral. Our loan was originally with XXXX then was sold to XXXX XXXX XXXX. So for the past 4yrs we had retained attorneys to help save our home since we were not able to make the monthly mortgage payment since we only received XXXX income. My husband was not able to receive unemployment. So I did several hardships adjust my XXXX at work to retain attorneys to help us get a loan modification which at {$40000.00} later we never received even though our house was only coming in at {$230000.00} but we owe on the first {$400000.00} and on the second {$130000.00}. which XXXX XXXX XXXX would not take into consideration. So now in XXXX they gave us a loan modification with a payment of {$1800.00} per but never forgave any of the balance at all even though the value coming in at the time was only {$280000.00} to XXXX. What really blows my mind is how they can structure a deal with putting a ballon payment on our note of {$35000.00} and not even extending the term they kept it at the XXXX since that was the original loan. So now my husband due to all of the stress from the loan modification has had some medical issues that have to do with his XXXX. so we have been running one month behind and on top of that we still have a second that wants there money and we have no way of paying them. We ended up having to file a bk in XXXX and we have been married for XXXX and have never have any problems paying our bills in the past. What 's really bad is we paid all of that money to the attorneys and never received the loan modification that we should have received. More than once we received letters stating we were approved then two weeks later we are denied. Its been insane to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have written Portfolio Recovery and made calls asking them to cease all contact. They sent a letter to me acknowledging my request. On XXXX/XXXX/XXXX at XXXX XXXX XXXX Portfolio Recovery ignored this request and contact me via phone which they were not allowed to do. Portfolio Recovery has violated FCRA and I demand they stop contacting me regarding a debt I do not owe. This debt is not valid and they continue to contact me even after they have been told not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: VIOLATES HIPPA AND CRA

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There was an error on my employer 's behalf with submitting tax documents.

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 04-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We sent a check of all past due on XX/XX/2017 TO AVOID FORECLOSURE and today we were served with court documents. 
We have been doing everything they ask of us and now the mortgage co. Says they thought the check was " for repairs ''? 
The legal fees are adding up as well. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with PAYPAL HOLDINGS INC. (WA).
Issue: Billing disputes

Complaint: Pal Pal Credit line made encouraged my response on every purchase to use their credit plan and defer payments for 6 mo with no interest. At the end of that 6 mo all the accrued interest was charged. The initial offer had no mention of this and the assumption was that in order to start using their service they were offering this 6 mo grace period without interest. I have sent a note to them that it was deceptive and unethical with the expectation that the customer will miss or forget to pay before the deadline and incur six months of interest. When I called the agent was clear that it was in writing and when looking back I did have to dig to see this disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are XXXX erroneous hard inquires on my Equifax credit report. Further they are additionally dubious not just because I did not initiate them but they contain no lender contact data information ( see attachment ) which is a violation of current Credit reporting regulation, in other words according to Equifax I could n't contact them to dispute these hard inquires if I wanted to ( I do ) because they refuse to post contact info or is missing due to grave error. The added rules that went to effect XXXX XXXX clearly sate all tradeline data including court data must me accurate or it must be automatically removed without question. The XXXX tradelines are : XXXX From XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX and XXXX XXXX 2017, and XXXX XXXX from XXXX XXXX 2017. All state that : " No contact information has been report by this creditor ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I had an account with Macy 's which I had for around 10 years. I made a purchase during XXXX of last year, but did not receive a bill. I found out when applying to refinance my house that I owed Macy. I contacted them to complain that I had n't received any bills, they had changed my mailing preference to email, without my permission and without an email on file. They took the late fees off and 4 months ago I paid a small balance in full prior to the due date. The next two months I received bills for {$1.00} each month. I finally paid {$2.00}, when I received the 2nd bill. Then this month I received another bill for {$1.00}. This is ridiculous, the account is supposedly closed, but they are billing me {$1.00} per month.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( 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 non-monetary relief
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I call XXXX on a bill that was not me and was told to call XXXX, XXXX, XXXX. I did and no help at all the address on the person it start XXXX?. XXXX, AR XXXX my address start XXXX XXXX XXXX. XXXX, AR XXXX. EQUIFAX has me I old {$85.00} to XXXX. 
I hade send 8 months ago copy of my ID no help at all XXXX tells me to call Equifax to take care of it so I call XXXX. XXXX XXXX for help I was told to go true Equifax can you please help me my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation