milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Debt collection (Payday loan) with Moneytree Inc (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had an installment loan with Moneytree. I made payment arrangements with my first payment due Sat XXXX. I called and made the payment and was told the money would n't be taken out of my account until Monday the next business day. I said please make a note that payment was made on time and was told no problem, you 're ok. 

The following Wednesday XXXX I get a call at work. I was busy so the bartender took a message. I get the message that says " Call XXXX at Moneytree " along with an XXXX number. 

I returned the call and was told you are late on your payment and I informed her I was not and had a confirmation number to prove it. 

They called and shared my personal information with a third party ( the XXXX ). Not only have they now humiliated me at my place of employment but have jeopardized my job due to the industry I 'm in.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one, TransUnion. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. 

Thank you. 
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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRSTBANK PUERTO RICO (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This car loan has been on my acct for more than 7years has a repo, I've contacted the credit bureau and was told it's not showing in their system but I've run my credit and this is hiding and still on my file credit file

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with CITIBANK, N.A. (KY).
Issue: Other

Complaint: I do not have a sears card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Struggling to pay mortgage

Complaint: Fax sent today to the Wells Fargo agent : We are extremely confused, concerned and bewildered with the status of our account. We started working with you last XXXX. We have never been informed of anything other than that the account would be reviewed and that the purpose of the review would be to add the arrears to the loan and resume payments. We were even asked by the underwriter if it would help to have some reduction in the payments. Over the course of nearly six months we have complied promptly with every request for information and documentation but at every step we were met with confusion and conflicting information. Frustration abounded when we were told 2-3 times that the emailed or faxed information could not be properly read ( allegedly cutting off the documents ). This was patently untrue. I personally went twice to the local Wells Fargo branch to have them scan and email the requested materials. Within hours I went to a different bank, had them scanned and emailed to both of us. Once again I was told that they were not properly received yet they came perfectly to my email which clearly indicated that the issue was on your end and that the materials were being properly sent. We recently received a checklist of numerous pages of the documents that we had provided. Your document showed over 50 documents that we have submitted, all on a timely basismost within hours or days. It also listed a request for four other documents that we had provided at least three times previously! It asked that these be submitted by next week, however you then called and said that it was not necessary. 
During this process I was never advised that I should be making paymentsit was always that the payments would be incorporated into the loan and therefore we continued putting our money into the home improvements. Our world was shaken when, last week, I received a phone call that said that the refinance was going to be denieda call that came before the date of a letter stating that the file was open and that more documents were requested. The alleged denial was due to a lack of sufficient income. Reference was made to the loan exceeding 40 % of income which is impossible! Attached you will see that the loan is less than 33 % of income. I was told that I could see how this was determined but never told how. I have yet to be able to access this calculation and frankly, there is no doubt in my mind that this is incorrect and that for some reason we are being screwed.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.

Company response to consumer: Untimely response
Consumer complaint received 06/18/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with Accelerated Receivables Management, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Accelerated Receivables Management ( ARM ) predatory collections agency trying to collect for XXXX XXXX XXXX ( XXXX ). This has affected thousands of people. 
XXXX was convicted in court for insurance fraud and went bankrupt. 
Article : XXXX XXXX XXXX I was called and told to pay an unverified debt with no documentation available. Caller said my credit was affected. I was never notified. Caller had wrong contact information for me which is why I never received notice. I verified my credit WAS actually affected as delinquent. All for a couple hundred dollars. How can this be legal? Possible fraudulent collection practices for Washington State. I attempted to call a few times and was met with arrogant, belligerent and threatening attitude and was hung up on repeatedly. These people need to be reigned in.

Company response to consumer: Untimely response
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified

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 Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: CMRE FINANCIAL c ontinues to report  XXXX  accounts on my credit report. I paid these accounts & they agreed to remove them as part of the agreement ... They are damaging my credit & I need them removed per our agreement ... I 'm attaching the report for proof they 're reporting as of  XXXX   XXXX ,    2017 ...

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted on the telephone by an agent from XXXX XXXX XXXX in XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at CASH CENTRAL. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all three agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Credit card) with CL HOLDINGS LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe Jefferson capital I never made any arrangements with this 3rd party and needs to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: You contacted them and they said the date of the loan was XX/XX/XXXX. They simply now changed the date to XX/XX/XXXX. I did not take out either loan. I did not have a physical address or checking account. I was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Credit Karma, Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is and spelled as XXXX. My maiden name is XXXX. I have no middle name. On my credit report there is a XXXX and XXXX. Please have this information corrected on my credit report. My email address is XXXX Thank you

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 04-07-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: 1. We have opened and have been using checking and savings accounts with Wells Fargo Bank. 

2. Recently, we have started noticing evidence that all of our accounts with Wells Fargo have been controlled by the National Security Agency from the time we opened our accounts until now ( as of XX/XX/XXXX ). 

3. National Security Agency decides what transactions will be approved at what time in our accounts with Wells Fargo. 

4. We have also uncovered evidence that National Security Agency has been XXXX our family as you read this. This led us to the discovery with respect to Wells Fargo Bank. 

5. We want to know from Wells Fargo, Answer to the following question : " Did Wells Fargo at any time worked with the National Security Agency with respect to the activities in our accounts? ".

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 06/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problems caused by my funds being low

Complaint: I am being excessively and double charged for the transactions. A total of {$47.00}. XXXX transactions went through at XXXX, and funds were automatically added at XXXX as well. No charges should be applicable. Shame on Bank of America!

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 06/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I AM FROM XXXX, XXXX AND I AM A STUDENT AT THE UNIVERSITY OF ARKANSAS. I PERFORMED WORK FOR AN ORGANIZATION NAMED " STAND STRONG, STAY DRY, BE SAFE '' WHICH WAS FORMED TO OPPOSE A MOVEMENT TO ALLOW LIQUOR SALES IN XXXX COUNTY, XXXX. I RECEIVED A CHECK DRAWN OFF THEIR ACCOUNT AT XXXX XXXX IN THE AMOUNT OF {$1700.00} ON XXXX/XXXX/16 AND DEPOSITED THESE FUNDS VIA MOBILE BANKING THAT SAME DAY TO MY CHASE ACCOUNT ENDING IN XXXX. ON XXXX/XXXX/16 A LETTER WAS GENERATED BY CHASE STATING " WE BLOCKED AND WILL CLOSE YOUR ACCOUNT ENDING IN XXXX '' -- -LATER IN THE LETTER CHASE STATES " AFTER WE VERIFY YOUR FINAL DEPOSITS AND PAYMENTS, WE WILL MAIL YOU A CHECK FOR YOUR REMAINING BALANCE AND A FINAL CLOSURE NOTIFICATION ''. THIS WAS NEVER DONE AS MY ACCOUNT WAS " RESTRICTED '' AND I HAVE NOT BEEN ABLE TO USE THE ACCOUNT SINCE XXXX/XXXX/16. OVER THE NEXT SEVERAL WEEKS I WORKED WITH BRANCH MANAGER XXXX XXXX IN XXXX IN AN ATTEMPT TO GET THE MATTER RESOLVED. ON XX/XX/XXXX SHE INFORMED ME THAT SHE HADE GONE " UP THE CHAIN OF COMMAND '' AS FAR AS SHE COULD GO AND WAS NOT ABLE TO RESOLVE THE ISSUE OF GETTING ME MY MONEY.SHE STATED THIS MATTER HAD BEEN TURNED OVER TO THE EXECUTIVE COMMMITEE LOCATED IN XXXX XXXX WHICH WAS THE RESOLUTION GROUP IN CHARGE OF OPERATIONS ISSUES. THIS MATTER WAS ASSIGNED A CASE # TO BE WORKED BY A PERSON NAMED XXXX. IN DISCUSSIONS WITH THIS GENTLEMAN, WE STATED THAT AS TIME HAD PAST AND THE FUNDS HAD CLEARED XXXX XXXX, THERE SHOULD BE NO ISSUE AS TO THE FUNDS BEING '' GOOD MONEY ''. WE ALSO PROVIDED INFORMATION TO HIM ABOUT THE ENTITY TO PROVE ITS LEGITIMACY. NO PROGRESS WAS MADE WITH THIS REPRESENTATIVE AND HE WOULD NOT GIVE ANY SPECIFIC INFORMATION AS TO WHAT THE PROBLEM WAS OR HOW IT COULD BE RESOLVED. ON XXXX/XXXX/16 HE CALLED TO SAY CHASE WOULD NOT RELEASE THE RESTRICTED FUNDS AND HE WAS CLOSING THE FILE. IN THIS CONVERSATION, ONE FINAL ATTEMPT WAS MADE TO ASK WHAT SPECIFIC INFORMATION DID HE NEED THAT WE COULD PROVIDETHAT WOULD ALLOW THE RESTRICTION TO BE LIFTED AND THE FUNDS BE RELEASED. NO ANSWER WAS RECEIVED IN THIS REGARD..THERE HAS BEEN NO OTHER COMMUNICATION WITH CHASE SINCE XXXX/XXXX/16. I HAVE VISITED WITH SEVERAL BANKING EXPERTS AND AN ATTORNEY WHO TELL ME THAT I HAVE BEEN WRONGED AND CHASE HAS NO RIGHT TO HOLD MY MONEY. ADDITIONALLY, I HAVE A COLLEGE FRIEND WHO ALSO WORKED FOR THIS SAME ORGANIZATION AND EARNED {$150.00}. HE TOOK HIS CHECK HOME WITH HIM ON SPRING BREAK AND DEPOSITED IT TO HIS ACCOUNT AT CHASE IN XXXX, XXXX WITHOUT A PROBLEM. IN CLOSING, I HAVE WORKED IN GOOD FAITH TO BRING RESOLUTION TO THIS MATTER. IN MY OPINION, CHASE HAS NOT! THIS IS A MISHANDLING OF JUSTICE AND I NEED MY MONEY!!! AS THIS IS A SUMARY OF THE BASIC FACTS, PLEASE LET ME KNOW WHAT ADDITIONAL INFORMATION IS NEEDED. MANY THANKS IN ADVANCE FOR YOUR EFFORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've disputed XXXX-XXXX different collections with Equifax and XXXX-XXXX with XXXX without the desired resolution. In some cased collection agencies have changed the open dates past original closed dates in order to keep the debt current. I have XXXX-XXXX that are over 7 years old and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (TX).
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: In XXXX, I Co-Sign for my Son so he could qualify to Lease a XXXX Truck ... .when the Lease Term was up he decided to purchase the Truck ... .he did n't require my help anymore so I did n't have to Co-Sign for him anymore ... .I was delighted. When he started having problems with the payments I started getting phone calls from Ally. I explained to them that I was no longer a Co-signer ... they told me that I was mistaken ... .I asked for a copy of the Sales Contract. I was given a Copy years later ... I filed dispute with the three Credit Bureaus and send them a copy of my Drivers License to prove that they were dead wrong. Finally they asked to file a Police Report which I did and is hereby going to be attached. I asked if that be enough to have Ally removed from the three reporting agencies ... they said " YES ''. Well ... here we are and the Reports have not being changed.

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 12-05-2015 about Debt collection (Medical) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Entered into an agreement with LoanCare however, they keep requesting the same information that has already been submitted, they charged us {$200.00} for a loss mitigation package, and it still shows we are behind after requesting an unemployment forbearance consideration, which we were approved for on a FHA mortgage

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: Regarding accts: XXXX, XXXX, XXXX, XXXX

I'm finding this absolutely impossible to deal with Experian and their investigation into my disputes. I received a response stating that they investigated my claim and that the "data furnisher verified" this. I'm going to point out the specific laws that protect me against this abuse from the CRA's and that Congressional opinion clearly states that the statutes do not allow for the CRA's to merely parrot what they're being told! 

How were my disputes handled? 
How were my accounts verified? 
How was an independent investigation done? 
Where's the documentation that verifies this is reporting accurately? 
Why do they think that it's ok to violate my rights?
Why isn't anyone holding them accountable? Are you supposed to? 

Direct text from XXXX V XXXX XX/XX/XXXX:
"A consumer alleging that no reasonable investigation has taken place has a separate claim pursuant ot 1681(a)": 
No investigation was done at all. No reinvestigation was done at all. No independent investigation was done at all. If that were so, they'd have documentation to back this up instead of just telling me to go away because they don't feel like doing their job! 

Regarding the language in 1681(i)a, "the statute places the burden of investigation squarely on the credit reporting agency". 
This means that it's THEIR responsibility to determine the accuracy of the negative item that was disputed. They must perform their OWN investigation. If I took them to court, they'd need to prove to said court that an investigation even took place, a reinvestigation took place, an independent investigation took place and that they had the paperwork physically in their hands to make this determination. 

"We also agree....that the plain language of the statute places the burden of reinvestigation on the credit reporting agencies" and that they "bear grave responsibility" to ensure the accuracy of the information... The grave responsibility emposed by 1681(i)a must consist of something more than merely parroting information received from the other sources. Therefore, the "reinvestigation" that merely shifts the burden back to the consumer and credit grantor cannot fulfill the obligations contemplated by this statute".

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