milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An account was open fraudulently with XXXX as the original creditor who than sold the account to XXXX XXXX XXXX a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my Experian credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!

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 12-06-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On my credit report it shows a auto installment loan 30 days delinquent - closed {$0.00} amount due. This information is located under my accounts as a Poor. This vehicle was a XXXX XXXX financed with Wells Fargo. The vehicle was XXXX, but is still on my credit report. I called XXXX spoke with a gentleman who transferred me to XXXX, spoke with a lady who transferred me back to the XXXX number. All I 'm getting is the run around and NO help. When I asked to speak with someone that could help me, she informed me there was no one available, but once I mentioned turning this issue over to the Attorney Generals office she wanted to transfer me to the President of Wells Fargo. 

I appreciate your help in looking into this problem, personal information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX Unfortunately, we have a XXXX XXXX XXXX financed through Wells Fargo at this time. But it is not the vehicle I 'm making this report on.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 05-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with First Data Corporation (TX).
Issue: Other transaction problem

Complaint: Without admitting their error,  Telecheck Services ( w ho processes orders for  XXXX   ) sai d that " your account has been updated '' and re-submit the order in  XXXX  to  XXXX  days and it will be processed. For years, I have paid  XXXX  through my preferred bank account with    XXXX   XXXX    XXXX  -- and orders have arrived to my address. I placed an order yesterday and  XXXX  said it would be arriving between the  XXXX  and the  XXXX  of  XXXX . This morning I received an e-mail from  XXXX  saying that my bank had refused payment, according to Telecheck. HOWEVER, I called my bank and they affirmed no request for payment had come from  XXXX , that  TELECHECK had made an error because my account ( a large one ) would have immediately paid for the purchase. I have tried to get  XXXX  and  Telecheck  to tell me WHO made this error so it can be corrected TODAY. I have been referred to people with no authority to do anything by both companies. I have spoken to people in various countries who are difficult to understand. I am livid at the fact that I can not talk with ANYONE who has the real authority to TELL ME THE TRUTH AND STRAIGHTEN OUT THIS MESS. Both companies need to be FINED and consumers need to be treated HONESTLY by people with authority to correct errors!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with ERC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I already submitted a complaint with CFPB - Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords. <P/>The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer - XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX. <P/>ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX  and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: in XX/XX/XXXX I authorized XXXX motors to do a credit check for them to get me a loan on a motorcycle. THEY then allowed XXXX more creditors ( XXXX XXXX and XXXX XXXX XXXX ) to pull a credit report on me as well. This was for XXXX loan and I now have XXXX hard inquiries for that. Is there any way this can be changed to just XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Good morning my name is XXXX XXXX I have a mortgage with wells fargo for my house that I live located at XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX2015 I apply for a home load modifications I provide all information requested wish I am enclosed here for you review XX/XX/XXXX2015 I received a letter of denial for my motification base on my income please note my income as I prove it on my documents are about {$2400.00}. a month and my expenss are over {$4400.00} a month I do n't see a reason why my modification can be approved when is clear I have a higher expense then income please I need your help to review this denial I want to keep my house and I want to have the help of my modification to reduce my monthly mortgage payments at my house it looks to me wells Fargo want to foreclose my house so they can make more profit see documents enclosedXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Federal student loan) with Williams & Fudge, Inc (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have a long history of dealing with Williams & Fudge. 
They have impersonated police officers & lawyers, and threatened me with arrest. 
As such I have sent them letters - plural - instructing them not to contact me by phone, and filed prior complaints with the FTC regarding these practices. 
Tonight at XXXX I received a call from their office in XXXX XXXX, South Carolina, phone number XXXX. 
When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: First : you do n't have the right category listed for my problem : My problem is : Ally Bank customer service is not willing to provide the dealer payoff amount to me. They are only willing to provide customer payoff and no other info. I spoke to the managers at both departments. The secrecy around car business is extremely disturbing. A lot of people are getting ripped off real bad. In this case, I need the dealer payoff, to estimate if the dealer would buy the car from me. If the loan has a negative or positive equity. In order to just estimate that, I would have to go to the dealer, provide all my personal info and sit at least an hour, before that dealer payoff quote is received by the dealer. After that, the dealer might or might not wan na give me that amount either. This is absurd. The car business is so dirty, the laws must be improved to help customers. And by the way, I called my car salesman 3 times, left 3 voicemails, and he never called me back. I already sit there for an hour, I am not going back to sit more for nothing ... So how would I ever get my car deal done???

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 03-08-2016 about Debt collection (I do not know) with Blatt, Hasenmiller, Leibsker & Moore, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Blatt BHLM telephone XXXX XXXX XXXX has called me repeatedly. They ask if I am a certain person XXXX ... I am not this person. I have told them repeatedly and they continue to call. This is the most blatant form of harassment when there is no issue of a debt actually owed. Please try and stop these ruthless scammers. Thank-you. This will undoubtedly help others. These guys are bad.

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 Experian Information Solutions 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: Per FCRA, I am requesting the method of verification for nine accounts there were previously verfied. Per FCRA i have requested method of verification and procedure used to verfiy. This is my right per FCRA 611. Anyone can say verify with no back up proof that the FCRA rules were followed.

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 10/28/2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A company named Cooper Hoffman Klein and Associates called and stated they were investigating my bank account and I would be sent for prosecution for a debt for a payday loan from 6 years ago, they threatened to file a claim that would garnish me, send me to jail if I did not pay them XXXX today XX/XX/XXXX and the remained of the money in XXXX payments XX/XX/XXXX. I asked for proof the debt that they said they would e-mail me and I have not received anything they said I was a low life and I know I owe the money and it is time to pay. The represent themselves as a law-firm but I can not find anything about the firm. When I googled the company and phone numbers everything states it is a scam. They would not give me the address of the firm.They have called my parents leaving information about my so called debt while speaking with them. My parents are elderly and this is very upsetting to them. The phone numbers they call from are XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I applied for repayment assistance and was denied and assistance with direction or options that could be available. Was given no explanation as to why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I started the process of renewing my IDR plan about 3 months ago. Since that time, I 've received a few emails from FedLoan saying something was n't accepted or that I needed to choose a IDR plan eligible for PSLF if I wanted to continue working toward forgiveness. Each time I 've gotten an email, and it 's been at least 4 times, I 've called FedLoan. Each time, I 've been told that I have uploaded the proper documents and tax information. Last week, I received an email saying that my request was n't processed and that my next bill would be {$4600.00} instead of something close to the {$210.00} I 've been paying for a year. I called and was told that my tax document was n't what they needed. This is after being repeatedly told over the past 8 weeks that the information I uploaded was correct. I 'm now being told that I will likely have to go into general forbearance which would cause my loans to capitalize, adding a several thousand dollars to my bottom line. I spoke with someone today who said I may get an " administrative forbearance '' which may keep my loans from capitalizing but he could n't guarantee it. I 've spent at least 20 hours on the phone with this company and have sent several emails, most of them which have n't gotten a response, since this problem started, and there has been no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: This is our 2nd complaint. We thought we were working with Wells Fargo to resolve this issue when all of a sudden we have been told they were foreclosing on us. Our biggest frustration with Wells Fargo is how long it takes for them to communicate anything. We get them the documentation they ask for the day they ask for it and then weeks later we are told they received it. We know this is not true. They tell us they will call us on a certain date to discuss our situation and then when they call they tell us they are still researching. They delay things for weeks and months at a time until it 's too late to do anything according to them. They are now telling me I do n't make enough money to qualify for my payment ... this is not true. As of XXXX/XXXX/16, my year to date income was {$17000.00} from my job ... .my VA XXXX is another {$490.00} a month ; my liabilities ( besides my house payment ) are only {$730.00} monthly ; my house payment is approximately {$1800.00}. Everything else has been paid off. 
If they would do things in a timely manner, all of this could have been settled months ago. Instead they have now started foreclosures proceedings. We do not want to lose our home. Please help us.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries serve no memory as being made by myself and I asked for them to be investigated and removed as I have spoken to the company and all they did was place an alert on my credit file, instead of taking actions as what appears to be a data breach. The items are as follows : 1.XXXX XXXX XXXX, XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX 9. XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX XXXX 24. XXXX XXXX XXXX 25. XXXX 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 01/18/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Closing/Cancelling account

Complaint: After years of being an exemplary customer, who has never missed a payment and always paid off every single balance in full, my account was closed to my surprise. Upon reading the reason, I was even more surprised. The letter of explanation states that your " affiliate ending its banking relationship '' with me, however I have never in my life had a banking relationship terminated, not by a Chase affiliate or any other institution for that matter. 

As per my credit report and banking history I have been an excellent customer to Chase and others such as XXXX and XXXX XXXX XXXX for 10 years. At this point I am very disappointed with the service and misconducted which I was offered by Chase, however I want to protect my credit rating which is excellent, and I fear a wrongful account closure and incorrect reasoning provided, could hurt my credit rating wrongfully. 

I therefore requested that this matter was looked into again, and that there is a thorough review as to eliminate any type of mistake on the bank 's end. If Chase wishes to end it 's banking relationship that is perfectly fine, however I would like the real reason, as to protect my reputation and credit. Again, the fact that any institution has ever closed an account with me is false, and I can prove this through my credit report and further documentation. 

After numerous attempts of getting some sort of clarification from Chase customer service which is unable to assist in any which way, I requested that someone with executive power look at this matter, to make sure that as the outstanding customer I was to Chase, my reputation is not damaged due to an internal mistake. I have had no luck yet.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Federal student loan servicing) with Student Debt Center LLC (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had filed with a debt forgiveness program call Student Debt Center. I have been in contact with their rep named XXXX XXXX, she informed me there was a {$600.00} one time fee for the services provided. I then payed this amount I was then informed that there would no longer be any payments that would be made due to the fact that I had payed the {$600.00}. Today I XXXX/XXXX/16 I saw a payment to XXXX who has my student loan of {$120.00}. I called and talked to them to find out why my payment was made. I was informed it was because I had auto debit and they had only received the paperwork only yesterday. I then spoke with the rep and told her the situation. She then informed me that the debt forgiveness program was supposed to be a free service and that I needed to file a complaint as soon as possible. She then refered me to this federal branch I was then instructed to file my complain online and contact legal aid which I have done. I would like to have my {$600.00} returned seeing as that there is only XXXX income for my house hold and I have a young baby.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has the wrong person, yet they keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Como Law Firm P.A. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX, XXXX judgement for an unpaid balance of {$10000.00} on XXXX XXXX, 2015, but debt collectors from XXXX XXXX continue to repeatedly call me and harass, verbally abuse and swear at me and threaten me with arrest and wage garnishment. The debt do not belong to me. The court dismissed the judgement against me. XXXX XXXX XXXX XXXX, is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On my credit report it has XXXX XXXX XXXX XXXX XXXX Texas XXXX which is my ex husbands address with his new wife. I have never lived there. Also shows as working for XXXX XXXX, I 've never had them as an employer. I want to make sure my ex husband or his wife did not open up any forms of credit in my name. Anything with those XXXX pieces of information are not mine. Thank you!

Company response to consumer: Closed with explanation