milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: IN XX/XX/XXXX i WAS SUPPOSED TO RECIEVE THE AMOUNT OF XXXX FROM XXXX XXXX XXXX XXXX A CUSTOMER OF WELLS FARGO BANK AND IT WAS A AGREEMENT AMOUNT PER OUR CONTRACT. XXXX XXXX XXXX KEPT PROMISING TO PAY THE AMOUNT SINCE XXXX OF 2017 AND WROTE TWO CHECKS THAT BECAME NON SUFFICIENT FUNDS TO SETTLE THE AGREEMENT. 
HE STATED THAT HE WOULD GIVE ME MORE DUE TO THE FACT THAT HE WAS LATE IN PAYING THE AGREEMENT. I ATTMEPTED TO CASH THE CHECK AGAIN WITH WELLS FARGO AND REPORT IT TO WELLS FARGO BANK AND THEY DO NOT HAVE A BAD CHECK RESOLUTION DEPARTMENT AND THAT I CAN NOT ATTEMPT TO CASH THE CHECK ANY LONGER AND THAT I HAVE TO CONTACT THE PERSON WHO GAVE ME THE CHECKS. I DEPOSITED ONE OF THE CHECK INTO MY BANK ACCOUNT XXXX  XXXX XXXX AND IT CAME BACK NON SUFFICIENT FUNDS. 
THIS AGREEMENT BETWEEN XXXX XXXX AND I WAS TO DO A FINANCIAL INVESTMENT WHICH NEVER OCCURRED AND HE ALSO, WROTE BAD CHECKS TO MY FRIENDS IN MORE AMOUNTS AND THEY TO WERE NON SUFFICIENT CHECKS. THE POINT IS THAT WELLS FARGO WILL NOT INVESTIGATE THIS MATTER AND ITS THEIR CUSTOMER AND THEY LET XXXX XXXX CONTINUE TO HAVE A CHECKING ACCOUNT AND WRITE BAD CHECKS AND NOT CLOSE THE ACCOUNT TO SUSPEND HIS PRIVILEGES. I DID REPORT IT TO THE XXXX XXXX XXXX POLICE DEPARTMENT BOTH INCIDENTS BECAUSE WELLS FARGO WILL NOT TAKE ACTION. THIS OCCURED IN XXXX XXXX XXXX FLORIDA WERE XXXX XXXX LIVES AND DOES BUSINESS WITH THE WELLS FARGO BANK ON XXXX XXXX AND XXXX XXXX. 
THATS MY COMPLAINT.

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 10/31/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did n't receive a notice of right to dispute. I sent XXXX ACCOUNT RESOLUTION a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information. If this account is not deleted I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Stellar Recovery for an alleged debt in the amount of {$620.00} on XX/XX/2017. I responded to the letter requesting debt validation on XX/XX/2017 via certified mail. Letter was delivered on XX/XX/2017 but the credit agency never responded for which, they should have responded within 30 days. The said debt collector is now in violation of FTC compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: miss lead by sells rep during time of purchased vehicle in which ; car was never inspected/ warranty as stated claim by sell rep ; car will not past state inspection for past XXXX, inoperable/ unsafe to drive, excessive cost of repairs $ XXXX, predatory lending with excessive interest rate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical Data Systems is a third paty collection agency that provide collection services for XXXX. My family was provided XXXX services at XXXX for my XXXX in XX/XX/XXXX. There was change in my insurance which caused some billing issues with XXXX and instead of providing me notificaiton they sent my account to collections in XX/XX/XXXX. I contacted Medical Data Systems after receiving a phone call and a notice in the mail regarding this account. When I contacted them they stated to me that they purchased the account from XXXX and were trying to collect a debt. My husband contacted XXXX on my behalf and XXXX informed us that they do not sell past due accounts to any company nor do they authiroze any collection agency to post negative remarks on creidt reports. XXXX reviewed the account with my husband and observed that billing errors did exist and they would have to resubmit the blalances to the correect insurance compnay. A dispute was filed with the three credit bureaus to remove Medical Data Systems from my creidt report. Due to new legisaltion purposed by the goverment pertaining to medical bills the collections accounts were removed from my creidt report on the basis that XXXX is still the legal owner of the accounts and that XXXX did not authorize Medical Data Systems to post negative remarks on there behalf. XXXX is still continuing to work on these accounts and the last contact with XXXX took place in XX/XX/XXXX in which the account rep still observed some issues with the billing and submitted all statements to my home address so that the proper appeal could be drafted to complete the billing process. Also XXXX has sent me an application for the XXXX which will take care of any remaining balances that may result from the billing issues which occured almost three years ago. 
After a recent check of my credit report XXXX has illegally resubmitted previously removed credit information back on my credit report. They are fully aware that XXXX still is the legal owner of the account and also XXXX has informed me that any account over two years old has been written off for that corresponding tax year. Medical Data Systems is still claiming that the account was sold to them by XXXX but XXXX has stated that teh account no longer exist and has been written off. XXXX has also stated again that Medical Data Systems has not been authorized to post negative remarks on creidt reports on behalf of XXXX. XXXX stated that the acocunts from XX/XX/XXXX have been charged off and the other remaining balances with them once the billing has been completed will be considered under the financial assistance program.

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 11/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind XXXX payments on my mortgage last XXXX 2015. I have paid faithfully ever since for 17 months now. Out of the blue, they have thrown me into foreclosure. They never gave me a warning. It states in the agreement, that you go into foreclosure after being 4 months late. I tried to work on my XXXX late payments last year with no assistance. I feel that they are not acting in a legal manner. I need your help.

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 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (OK).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 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: Equifax has failed to remove a state tax lien incorrectly reporting on my credit bureau after repeated phone calls and online disputes through their website. The item that is being reported in error is : XXXX County Recorder Docket or ID # XXXX, State Tax Lien. Per the rules set forth by the National Consumer Assistance Program, no lien may be reported on a consumer credit file unless it contains the following information : Complete Name, Address, Complete Social Security Number and/or Date of Birth.
I have attached the item for review and it clearly shows only a partial Social Security Number with the first 5 digits being redacted and therefore does not meet the minimum requirements to continue to appear on my credit report. XXXX and XXXX have removed this item from their bureaus and Equifax should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do n't have any business with Kia Motors finance or Hyundai Motors Finance XXXX. They are calling me on what is almost everyday trying to collect. I have told them repeatedly to STOP and REMOVE me, they have the wrong person. They are continuing to harass and threaten me with their bullying. This needs to STOP. they have the WRONG person and the WRONG number! disgusting what these XXXX companies can do to people

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX NOT XXXX XXXX XXXX. Please remove from credit report as soon as possible. This is causing problems with my reports being reported correctly.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a bankruptcy on my credit report the belongs to a relative NOT MINE

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 06-12-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been victimized by an identity thief. They established several loans in my name and opened several checking accounts with credit unions and banks in order to withdraw funds from loans obtained fraudulently. I sent chexsystems via fax a copy of the police report that i had amended including XXXX checking accounts that were reporting in my name in their system. I had received an updated copy of my Chexsystems report showing the accounts removed. But later got an updated report showing the XXXX fraudulent checking accounts with XXXX and with XXXX Bank. This has been an ongoing issue in trying to get my name cleared. I should have nothing negative reporting on my file and only XXXX inquiry that belongs to me from XXXX. I am attaching to my complaint the amended police report that shows those XXXX fraudulent checking accounts on the police report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We suffered a severe hardship in XXXX when my husband was put in the hospital XXXX..We have been applied for XXXX Loan modifications since then and was denied because I had in XXXX 2013..I was told I had to wait until XXXX to apply and I completed the package with all documents needed and today they said I was denied claiming it was not 24 months when I actually started the modification in XX/XX/XXXX 2013 with the trial period and the Permanent Modification was approved in XX/XX/XXXX.2013..Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with Kentucky Housing Corporation (KY).
Issue: Loan modification,collection,foreclosure

Complaint: My ex husband and I bought our home while we were together. His name went on the loan and both of our names went on the deed. A few years later we divorced. At that time I was working and was able to keep up with the payments for the home on my own. In our divorce settlement he relinquished his rights to the home, leaving everything up to me. At some point after that I had to quit my job due to a medical condition and have not yet been able to obtain XXXX. From this the mortgage went into default. It was somewhere around XX/XX/2016 where it came up on the 3rd month of being in default. At this point the mortgage company blocked me from being able to pay the mortgage by phone. So I called the collections lady at the housing corporation and she told me that I could not make the payment. That it was too late. I talked to her supervisor and he told me the same thing and that foreclosures take a while and we would have plenty of time to find somewhere to go. Then 3 weeks later the collection lady called me saying " where 's your payment you said you were going to make?! '' And I told her I was n't given the option! But she said it " said in her notes '' that I said I was going to make it by that time. I said NO I WAS NEVER GIVEN THE OPTION!! So my house then went into foreclosure. I have found a lawyer who had me get a quit claim deed and said that I can submit for loss mitigation. The housing company told me they were lying and that I could n't. That my ex had to do it with his information but someone who filled for it also had to be living in the home, which he obviously is n't. So they left me hopeless. My lawyer sent them my loss mitigation packet along with all other documents they would need and they have yet to put it into review! They said that the regulations from the CFPB do not pertain to them bc they are a separate entity. I was told that they will look into what they can do but they do n't think it 's going to work out. 
Also, at the beginning of this situation my ex sent authorization in writing stating that they had permission to speak to me about the loan. After the collections would n't take my payment and lied 3 weeks later I tried to call the supervisor and left messages but no one ever called me back and then the housing company said they COULDNT talk to me because they did n't have permission from my ex. So they apparently " deleted '' the written statement saying that they could. They have made it to where I can do NOTHING in regards to my home. 
They are also APPARENTLY mailing things about the loan and what not to my ex husbands new address for some reason. So when they say " well we mailed you this ... '' No you mailed it to my ex and I never got it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised as part of the huge hack into the Equifax security breech. I looked on their website this morning ( XX/XX/XXXX ) and it said that my personal information was included in the information hacked. The Tech Security team at my workplace recommended filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a Quicksilver MasterCard issued by Capital One. I started to make my monthly payments as usual, but it got to the point were the payments were too high for me to handle. The credit card payments became an issue. It all led to them sending me to collection, even though I contacted them many times to resolve the issue. Now, the credit card shows a derogatory on my credit report. I did many follow-up calls, to see if this issue could be handle. This lead to nothing, and no one that could have a response for me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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 submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company for my homestead is simply claiming they I owe much more than I do. They will not and have not provided me proof that I owe what they say. I have provided proof of my payments and they still claim that they have the correct total. They have my home in forclosure status. They have been abusive verbally to me on nearly every phone call I make to them.

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 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (CO).
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: On XX/XX/XXXXI sent a dispute letter to XXXX regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from XXXX  stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. OnXX/XX/XXXX I sent another dispute letter to XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. OnXX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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