milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: XX/XX/XXXX, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - Respectfully 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 explanation
Consumer complaint received 02/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Privacy

Complaint: My friend ( who has the same name but different middle initial and address as me ) notified me that American Express had linked my Membership Rewards account to his account, and that he had full access to use my point balance for purchases, as well as view what I was spending points on, what I was purchasing with them, the airlines I was traveling with, etc. 

It took him 3 days on the phone with AmEx to switch this back and they told him it was because they just used general name + location data to link his account ( despite both of us having different middle initials and addresses ). Furthermore, American Express never told me about this incident and incredibly, I had to find out from my friend - it 's unnerving to know that a ) my privacy data was unknowingly leaked, and b ) even after my friend had complained, I personally was not notified that there was a privacy leak on my account! 

This is completely unacceptable and am requesting American Express to provide me with a sufficient solution to this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I did a dispute on XXXX XXXX to the credit reporting agency on the XXXX and I havent received any update or status on the account

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 Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Managing the loan or lease

Complaint: We have a lease with Honda. XXXX account number XXXX. We turned the car in XX/XX/XXXX. I called the county and paid the amount owed. Honda had paid the entire amount due. XXXX XXXX VA then issued Honda a tax refund check ( for XXXX leases ). The check was cashed by Honda. XXXX was XXXX of the lease 's on the refund check. Honda is wanting us to pay this amount even though with the refund check they actually owe us {$17.00}. I have submitted the information to Honda on XXXX separate occasions the date of the check the amount of the check and the leases that were affected for refund on this check from XXXX VA treasurers office. The check has been cashed by Honda. If we were not credited for the money are there XXXX other tax payers and leases that have not received. Now they want to report this on our credit report. I have called and called. I did get a case number at Honda today XXXX the number I called was XXXX ) and my case number is XXXX. The customer service people have told me repeatly that someone from the tax department is going to call me but they do n't and they do n't credit the account. They now are also asking that we pay the {$35.00} balance for the tax even though XXXX has sent them {$53.00} to credit to this account. The actually owe us money. Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wells Fargo are stating stating XXXX different amounts that I owe. I requested information and thus far they have not provided me with anything as of XXXX XXXX, XXXX. Meanwhile I have a schedule foreclosure of XXXX XXXX, XXXX. 

Wells Fargo had no intention of modifying or verifying the amount I owed.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (HI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX XX/XX/XXXX I recieved a letter from WellsFargo Auto Finance acknowledging the auto loan I had with them has been Settle in Full. They have stated in the letter they are submitting the request to the Credit reporting agencies to have report updated in my credit report file to reflect a Charge off to Settled in full account. I was also instructed to present this letter to any prospective creditor questioning the status of this account. 
WellsFargo hasn't kept there word and still reporting this Auto Loan as a Charge Off. Also I called the number they have on the letter numerous times and it no longer a working number. I contacted WellsFargo thru mail at the address they have on my credit report and my letter got Return to Sender. WellsFargo is reporting false information of me with there wrong address. 

Also for the same Auto Loan they transfer or sold to another WellsFargo Bank within there company, and having a different account numbers. I contacted WellsFargo back in XXXX XX/XX/XXXX is to why I see two reporting on my credit report for the same Auto loan with two different account numbers with two different amount finance. One with {$26000.00} and {$26000.00} the actual amount finance is {$26000.00} on my contract. I have yet to see any changes of status to this account. I wrote to WellsFargo again in XXXX XX/XX/XXXX why do I see a balance of {$2700.00} showing I owe them. Still havent heard anything from WellsFargo after numerous time of disputing this account. WellsFargo would not take the time to investigate there error reporting even provide them with copies of the letter and contract but keep updating. All credit bureaus forward all my dispute to them but would not take the adacity to respond to there error reporting. 
Now Im filing a complaint with CFPB due to false reporting to credit bureau. I will be ready to provide all documentation of my communication with WellsFargo. Thank you so much for taking the time to view my issues.

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 07-08-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: my business went quiet, was behind XXXX month mortgage payment, spoke to my bank and they assured me of assistance, by the end of the second month i personaly went to my bank to make the late XXXX payments and thay refused to take the payments stating that it was now XXXX months past due and i must apply for a modification, i told them i did not want that but they still refused to take my payments, next thing i know im getting letters from the banks attorney saying i need to pay x amount of money to the bank and the attorney fee 's making it impossible for me to get caught up ... ..2 months later i get a letter saying that a company by the name of vericrest will be servicing my mortgage then another company by the name of caliber will be servicing my mortgage..i have done nothing but tell these people while still giving them the information they request that i dont want a modification i want to get back to the original payment plan ... .2 yrs down the road thay are still asking me for repeat information ... i am clearly being given the run around ... i have sent the modification package in so many times now yet they still say information has gone stale or was not included in the package, i have been working with XXXX here in XXXX XXXX NY and with a court attorney referee from day 1 and still no decision and its been 2 yrs already ... now they say i owe over $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My bank sent me a XXXX Cancellation of debt. They forgave my debt but still wanted me to make payments on that account. My property was not foreclosed or sold. I sent letters and have made many calls but I have not received a response. The bank then sold or transferred my loan to another bank. I have not made payment on this loan since XXXX 2014 and now they want to foreclose on my property. I just do n't see it fair since they took a tax break and I had to report the XXXX on my taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Sortis Financial, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage payments shortly after my husband died XX/XX/XXXX. Since then, I have filed XXXX Chapter XXXX bankruptcy cases in order to keep my home. 
Shortly after the filing of my XXXX bankruptcy case, I ( through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted a loan modification application to ClearSpring on or about XX/XX/XXXX. 
On or about XX/XX/XXXX, a representative from ClearSpring gave told my attorney over the phone that I had been approved for a loan modification. This loan modification would have allowed me to stay in my home and complete my bankruptcy case without paying so much money on the payments that I 've missed. 
My attorney and I began corresponding ( phone and email ) with ClearSpring over the terms and conditions of the loan modification plan. However, after a short period of time, the person from ClearSpring stopped communicating with us. 
I never received anything in writing from ClearSpring regarding the original loan modification plan nor have I received a written explanation of why ClearSpring decided to withdraw their proposal. 
Also, during the period of time that I was in my third bankruptcy case, ClearSpring did not pay my real estate property taxes for XX/XX/XXXX and XX/XX/XXXX ( even though they were collecting {$110.00} per month from me to be used for property taxes ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (I do not know) with GREAT LAKES (KY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been getting repeated calls from callers saying they are with XXXX XXXX for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from XXXX XXXX. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my Great Lakes account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent XXXX a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Federal student loan debt) with Allied Interstate LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied aka    XXXX   XXXX   XXXX  . They have a wage garnishment & have intercepted my  tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  calls  XXXX   XXXX   XXXX  -  XXXX  calls

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 05/20/2015 about Debt collection (Medical) with TRINITY HOPE ASSOCIATES (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Agency has reported invalid debt to credit bureaus. 
I contact the collection agency to determine what this debt was for and told it was for XXXX XXXX XXXX XXXX, a doctors office I had prior services from. I contacted XXXX XXXX XXXX ( XXXX XXXX ) and was told that they billed through XXXX XXXX Hospital and did n't have a record of this debt. I then contacted XXXX Billing Office ( XXXX ) who I have a monthly payment for over {$1500.00} of medical bills and I was told that although I did have open accounts with XXXX XXXX XXXX XXXX, none were for the {$28.00} being reported and that they had n't reported any of these debts as they were in good standing. I again contact the collection agency and asked for validation of debt. They never sent me anything. Definitely not a valid debt. Will also be contacting NY State Attorney General about this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: i am trying to explain my credit card company, discover card about my issue concerning a unauthorized charged from a sharing vacation company, named holiday vacation.i sent an email from the company as a proof saying that the have refund my money and cancel off my contract. i was trying to contact them, but i couldnt. i talked to my credit card bank discover and they say that they have made a decision about my case and not to refund my money. 

discover bank is not really helpful. they didnt research very well. 

i am very worry about that. please help me up with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX, I have sent the requested documents and they keep saying that they never received them. The loan as been reassigned without forwarding information, new loan options have not been communicated, nor notification received regarding the status of the loan. Messages are left and not returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, I logged into my XXXX account to check my credit score which I do weekly and it reflected that TransUnion had removed XXXX inquiries from my credit report. It ultimately made my credit score go up. Now on XXXX XXXX, I went back to check my credit score because I had paid some credit cards down I knew my credit score would be going up but to my surprise my score had dropped XXXX points because those same XXXX inquires that were once removed were now back on my credit report. I do n't know if it is the error of TransUnion or XXXX XXXX but it made my score drastically go down. I am trying to purchase a home and now this is he derive me from doing so and I 'm just trying to understand why they were removed just to be put back and then affected my score.

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 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly disputed XXXX accounts with Navient, which from my research were recently purchased from another lender. I have asked on more than XXXX occasion that all communication be done in writing only, so that I may keep records. 

Navient has instead chosen to spoof their number and repeatedly call me looking for the account holder ( which i am not ). It is ILLEGAL for a collections agent to block, alter, or otherwise attempt to make their phone number appear as a local caller instead of the actual phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Medical debt) with JP RECOVERY SERVICES, INC. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi there, XXXX XXXX XXXX ( XXXX ) tried to charge me incorrectly for a medical bill that I did not owe. I saw an allergist ( XXXX XXXX XXXX ) who falsely told me directly and through their staff that I would not be charged any amount ( even a copay ) if I took agreed to receive the XXXX XXXX XXXX. After a few treatments, I decided to call my insurance company to check and realized this doctor and his staff were incorrectly coding the bills they sent to insurance company. The insurance company put a stop to it and ended up only partially covering the treatment. XXXX tried to then charge me the copays but I told them that I was not responsible for the copays since XXXX XXXX and his staff falsely told me I was completely covered AND fraudulently used the wrong billing codes that I discovered. 

XXXX made me submit a few appeals but I never heard anything back and all of a sudden years later I get a collection agency ( JP Recovery ) call about this fraudulent bill.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax removed several accounts but XXXX refused to. XXXX just verified the debt again with no proof and they just reappeared on Equifax with out proof again

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with CITIBANK, N.A. (DC).
Issue: Fraud or scam

Complaint: I purchased two cashier checks ( {$5000.00} each ) from XXXX bank in California, in XXXX and XXXX. XXXX was subsequently bought by Citibank. Four months ago I found the checks and deposited them into my Citibank account but they were returned ( and fees charged ). I visited the branch manager, XXXX XXXX, who promised to take care of it. After months of non-returned calls and emails, the bank told me that the funds had been escheated to the State of California. 

I wrote to the State who sent a letter informing me that they never received any funds, and to get the date of the transaction from the bank. The bank said they did n't know the date of the transaction. 

They then decided that the funds had been escheated to XXXX ( where I currently reside ), or XXXX XXXX. Both states ( and a search of ALL states ) did not have the funds. XXXX. suggested I ask the bank for the date of the transaction. 

They are refusing to return my funds ( even though they concede in writing that the checks do not expire ), based on the their emailed assertion that they do not keep records for accounts older than 10 years ( consequently I will be closing all my Citi accounts ). 

They accepted my money and issued me cashier checks. They lost their records and now refuse to cash their own checks. 

After XXXX months, I do n't know how to proceed. I have copies of the checks and all the correspondence between Citi and the states.

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 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Krawczyk, Duginski & Rohr, S.C. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received a letter in our on XXXX XXXX. Letter from collection attorney was dated XXXX/XXXX/2016 given me an opportunity to respond. Upon further investigation the envelope it was sent in was dated XXXX/XXXX/2016 this explained why I received it so late. I responded in writing on XXXX/XXXX/2016 and sent it via XXXX. Now today I am served a suit for the money amount dated XXXX/XXXX/2016 and filed XXXX/XXXX/2016. It was filed 3 days before I received the initial letter. I believe the letter was deliberately held 5 weeks and then mailed in an attempt to claim I never challenged the claim or responded to the claim.

Company response to consumer: Closed with explanation