milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our  authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

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 12-07-2015 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX HIED BLITT & GAINES TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.XXXX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY XXXX ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the last few years, I have noticed an account being reported to the major credit bureaus, like  XXXX  and  XXXX   XXXX , regarding an amount that  Trident Asset Management is   collecting. Apparently it bought a debt  XXXX  it claims I owe, in the amount of {$1600.00}.   Some years ago, when the account was still with  XXXX , I found it showing on my credit report. I had disputed it, explaining I had returned all the leased equipment when I discontinued service. It was removed from my credit. I have disputed this debt multiple times with  Trident  and it remains unchanged.   When the account was reported by  XXXX  years ago, it showed a delinquency date of  XXXX    XXXX  . When I look at my credit report and compare what  Trident  has reported, I see that Trident has re-aged the debt and now reports it as   XXXX   XXXX    , six months later than that reported by  XXXX . The re-aging of this account will invariably result in it remaining on my credit even longer, doing further damage with the wholly inaccurate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This debt according to the placement on my credit report was from XX/XX/XXXX, my wife and I have never received notice. This was just placed on our reports on XX/XX/XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Blackhawk Finance (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: they repossessed my car after one late payment. they switched companies without my knowledge. it was blackhawk financial when i got my loan.it is currently XXXX XXXX XXXX i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about 4000 witch is  incorrect it was only around 1000. they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.

Company response to consumer: Untimely response
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I received an email notification of suspicious activity within my debit/checking account. I contacted Wells Fargo within one hour of receiving the notifications and confirmed fraud had taken place. The fraudster had gained access to my account and attempted to electronically transfer {$1000.00} plus take {$9800.00} from a line of credit. My accounts were closed immediately. I spent 90 minutes on the phone verifying my identity, being interviewed, and receiving instructions that I had to go in to a branch to have new accounts issued, which I did. It is now eight days later and Wells still has not returned the {$1000.00} that was attempted to be transferred out of my checking account. After several phone calls to Wells ( with wait times of over 30 minutes! ), I'm still being told that this process takes at least 10 business days or 2 calendar weeks to " investigate. '' This is ridiculous!! I can understand maybe up to 72 hours, but 2 weeks?!! I don't have an extra {$1000.00} to sit on while they " investigate '' what happened! They were notified with 60 minutes of the attempted transfer and thus NO FUNDS were moved -- this was not a wire transfer but rather an ACH transfer. I understand these are the " rules '' that they have 2 weeks to investigate, but come on, that's a bit excessive. All banks, including Wells, should be  required to be more efficient in their fraud processing because we mere consumers don't have the luxury to have our food and gas money tied up for weeks!!!

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XXXX XXXX XXXX. I went to buy a house XXXX of XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XXXX of XXXX, not XXXX XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Medical debt) with RSI Enterprises, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: the original debt was to XXXX XXXX XXXX in XXXX and they were instructed to submit the claim to insurance company. the original claim was denied but in XXXX the claim was accepted by XXXX insurance. ask XXXX XXXX to resubmit. i also ask them for a complete statement of charges which they never provided. i made several payments and then they quit billing me. about 6 months later RSI ENTERPRISES sent me a notice they had a unpaid debt. payments that i had made to XXXX XXXX XXXX  had not been credited. i am ask for a statement. finally in XXXX they sent a statement and verified that payments had not been made. now they have just completely quit billing me and have not sent me a statement since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (PA).
Issue: Settlement process and costs

Complaint: The escrow account was negative in the amount of {$1000.00} for homeowners Insurance was XXXX payoff. I do n't agree with the amount.

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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have provided XXXX and Equifax proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. XXXX and Equifax get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against Equifax and XXXX  for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. Equifax and XXXX need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need XXXX and Equifax to adhere to the law and immediately remove this fraudulent information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: Met with   XXXX   XXXX  at Bank of America in  XXXX , NC on   XXXX   for information regarding an auto loan for a lease buyout. I asked whether I should apply for credit in my wife 's name only or jointly and he advised since I am the primary earner to apply jointly.     On  XXXX , I applied for a joint loan and called into Customer Service to be told that a joint application would n't be valid to do a lease buyout for my wife 's lease since if my name was not on the original lease, I could n't be on the credit application.     A few hours later on  XXXX , we did an auto application in her name only and then were told that application would not be valid since her father originally co-signed with her on the lease and that both names needed to match exactly.     So now my credit has been pinged once and my wife 's credit has been pinged twice and we have approved loans that are not valid and unable to close for the transaction advertised, given terrible advise by several loan offices and customer service agents all along the way.     I was given bad / incomplete information by the original banker and th en 2  subsequent phone representatives in order to encourage me to apply for credit without remotely trying to identify what was in my and my wife 's best interest.     Additionally, the law / policy that is forcing names on a credit application to match exactly both signers of a lease seems unnecessarily burdensome to younger couples who are trying to transition assets and financial responsibilities into their own names and our of their parents names.

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 02/21/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have applied for loan modification and the lender keeps saying will submit it for underwriter review. However, it never happened and they called me again and again for the wrong information. They said they need this and that for complete but they never told me when we follow up. All they said they told me being review. Now foreclosure sale is coming and they tried to delay and said they wont be able to review my application due to foreclosure sale date. I want to try to have modification and keep my house and I am old and unable to move out. They are being treated us unfair way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have for more than XXXX months tried to talk to PennyMac and even the corporate office about my payments and how money is being applied in addition to the payments they claim they have made to the tax assessors office. my payment went up and I have nothing in writing still. 
in addition to this I have unfortunately fallen behind on my mortgage loan and i have been requesting help with my loan have tried to talk on several occasion to the person assigned to my loan and nothing, until i complaint again one called me back and said she would fedex me a package and nothing i keep writing to them via the internal messenger and its a total waste of time. 

it worries me that they are just waiting to add legal fees and file a notice of default to make it harder and more expensive for me to reinstate the loan, so far as of today i have fallen behind XXXX months. 

I need help with this and i need the lenders cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days  XXXX , 30 days  XXXX ,  XXXX , 60 days  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Improper reporting to credit companies without prior consent under FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (WI).
Issue: Problems when you are unable to pay

Complaint: I told the company that the amount was to high so they changed the amount in half for only XXXX payments being on social security makes it harder to make payments when the payments are so high last year i gave this company my entire paycheck had nothing for self its like working for free the company responded like they did care as long as they got there payment

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Federal student loan servicing) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loan from my time at college, a Federal Perkins loan, being serviced by ACS Education Services. Six months ago I changed main banks. I attempted to change the bank that ACS Education Services auto-withdraws from. I received no receipt not acknowledgement at the end of the 7 days they state is required to process the bank change. I in fact received no communication whatsoever. I checked the account and saw that they had assessed a late fee and listed the payment as failed, and had not sent any notification about the failed payment or late fee. I paid manually, using their ExpressPay system, using the same exact information that I had registered as my main bank account for autopay. I then re-filled the autobillpay form, thinking it might have been a mistake ( I would like to add that they do not, as every other company I have interacted with would do, perform a bank account validation withdraw/deposit ). Next quarter I had the same issue, except I was notified by a late payment status on my credit card. Again, I received no communication. When I contacted the company ( who was unavailable by phone ) by email, and explained that I have n't had a late payment in seven years and would like them to withdraw the late payment from my credit status, they refused, and stated without any presentable evidence that I was wrong. At no point in time did they offer any assistance in resolving the issue, nor any advice ( despite an explicit request ) for a method to confirm that the account was properly set up. Late payments aside, I do n't understand why they would seek to damage my credit instead of simply working to ensure the account is properly set up. A person 's credit rating is important and I have done nothing that would reflect willful negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been trying to consolidate my loans since XXXX of 2015. ACS is saying they are making an adjustment so my loans are showing a XXXX balance which stops me from consolidating. Now while they say I am at a XXXX balance, I am still required to make payments ; they can even send me a schedule of those payments. When I call about the situation, I am placed on hold for over an hour with no one picking up the call. They have not time frame for when the adjustment will be made. They simply say we are working on it and it is our policy to not give a timeline. This is stopping me from consolidating.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in 2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Debt collection (Payday loan) with Clark County Collection Service (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt with XXXX/Clark County Collected was originally {$2600.00} but was settled for {$1900.00} through my representatives at XXXX XXXX XXXX. My final payment for this account was posted on XXXX/XXXX/16. As of XXXX/XXXX/16 Clark County Collections is reporting a balance on my account for {$660.00}. That is the exact difference between the original debt and the settlement amount. This company is incorrectly representing the debt on my credit report by showing a balance due when the account should be paid in full.

Company response to consumer: Closed with explanation