milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know. 
XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment. 

This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX of this year I applied for a student loan consolidation with Wells Fargo to get a lower interest rate. My current loans were already with this bank, I had a good credit score and a cosigner so I figured it would n't be a difficult process. I was wrong. They offered an extremely high interest rate and could not give me an explanation as to why. After filing a complaint with the CFPB, they finally agreed to give me a 1 % discount on the consolidation. However, months later I realized that this is still not affordable for me. These past few months I have depleted my savings trying to pay these student loans and my other federal student loans. I asked for a temporary forbearance and was told the consolidation loan had to be at least 9 months old before I could be granted a forbearance. I then asked what my options were, because I am trying to avoid defaulting on my loans. The customer service rep encouraged me to apply for a loan modification instead, and if my loans were deemed un-affordable they would lower my monthly payment. I was told that upon reviewing my credit that my loans were actually affordable. This is not my reality and now I am forced to pay less than the minimum amount required because I can not afford to continue the payments I had been making. I do not want to default on these loans, but my servicer is not providing me with any other options at this time.

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 06/28/2016 about Bank account or service (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Problems caused by my funds being low

Complaint: They update my account balance to maximize fees in their favor. I always check my balance before purchasing anything. They charged me {$35.00} on .XXXX after i put {$4.00} in my account to cover the .XXXX. They dont process things for days even though it shows the money is spent just so they can try and get people to overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact   XXXX   and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculous.  XXXX  is the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on the  Settlement Statement that the  date  of Settlement  is  XXXX / XXXX / XXXX . I am requesting from the   XXXX   a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's credit score. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Payday loan () with National Principal Group, LLC (WI).
Issue: Received a loan I didn't apply for

Complaint: Several of my family was notified that I had an outstanding loan from a Pay Day Lender. I never received or applied for. The name of the collection agency is National Principal. The phone # for them is XXXX. The address is XXXX XXXX XXXX. XXXX, NY. XXXX. The origionating loan supposedly came from XXXX XXXX. They claim that this loan was deposited to my bank acct. in XXXX. However, that acct. has been closed for 9 years. They called all of my family clearly stating that I was in legal trouble and to have me call them immediately to settle this matter before arrest. This loan was never applied for or taken by me. I spoke w/ my credit union and they have NO transactions in my name from either XXXX XXXX or National Principal. Incidently, they used my husbands SS #, my closed bank acct. and My 3 year old email address ( which was hacked and has been closed for 2 years ) to say it was me who took out this loan. They harassed my family, left threatening phone calls and threatened me w/ arrest. They offered to settle the acct. for {$500.00}. Fortunetly I did some research first. National Principal was so threatening I believe that someone may pay them just to get rid of their terrible harrassement. DO NOT PAY THESE PEOPLE. They are experts at getting your information, such as family phone # 's, SS #, bank accts. etc ... give them NO information! I am reporting this activity because we were led to believe that perhaps someone in our family had deceived us and taken out a loan in our name. NOT true. It caused a lot of stress and worry. It is a fraud and our XXXX XXXX was wonderful in helping us sort out this mess. Please, someone check into this and stop these people from harming more families. 

Finally, we never received a loan or monies of any type. It was stated by their " associate '' that the money was deposited and withdrawn from our acct. Our credit union proved to us that this did not happen. We at no time received a dime from this or anyother Pay Day Loan company through our XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: THERE IS SO MUCH OLD INFORMATION ON MY REPORT. THERE ARE CREDIT CARD BALANCES THAT SHOW A BALANCE OF {$80000.00} THAT SHOULD BE {$5000.00}. THERE ARE ACCOUNTS AND MORTGAGES THAT HAVE BEEN CLOSED FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Federal student loan) with Firstsource Advantage, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This one advantage, llc trying to collect debt from XXXX/XXXX/2007 If this pertains to school loans and all my loans where consolidate and are in forbearance so I do not owe what they are trying to collect. If this is from XXXX they lied about there programs and rushed me to start before I was ready and before they had all my transcripts to make sure I was able to start program selected and that it would lead to career desired and I found out after it would not when they told me it would. Staff was not helpful ... only want money.

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 11-12-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016, the bank charged me {$37.00} overdraft fee even though they have a 24-hour grace period. Huntington advertises this 24-hour grace period service and does not honor it. I feel this is deceptive business practice, because the 24 hour grace period service is only allowed at random or when they choose to let a customer use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (SC).
Issue: Application, originator, mortgage broker

Complaint: I summit a application for a loan modification loan that was suppose to take only 3 months, after summiting different documents that was requested by flagstar bank for nearly a year, and I was told to not make any monthly payments until instructed to do so .well after 1 year I was told that my home was in forclosure and I had 30 days to moved or my furniture will be place outside, so I moved out, after complaining to XXXX and credit consumers trying to get help, I received a letter from attorney that my home was never in forclosure, they classified it as loan modification fraud and I needed to seek an attorney.this bank moved a lot of homeowners out in the streets, they were investigated and was found to have lied to some of there customers, mostly XXXX.then I notified by XXXX mortgage as to why I moved out my home and that my mortgage was turned over to them, I 'm still devastated and embarrass, I have never been late with my payment to Flagstar Bank until I was told not to send payments .im presently trying to seek help with this embarrassment.now it 's on my credit report.what do I do now? My name is XXXX XXXX, vs Flagstar Bank.please Help me Thank you

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 08/15/2017 about Debt collection (Other debt) with Harvard Collections, LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter onXX/XX/XXXX regarding a debt owed to Il XXXX XXXX XXXX XXXX in the amount of {$480.00} from XXXX XXXX XXXX XXXX my ID # with them XXXX.
I contacted them immediately and explained to them I was paying the debt monthly sinceXX/XX/XXXX via check and I had proof. THey said yes, but that payment is not enough monthly. I said well what do I need to do to get this up to date and ensure this does not go on my credit? I have worked very hard the past 6 years since being diagnosed with a XXXX XXXX to clean up my credit so we can refinance the house.
THe agent stated I would need to pay 30 % which was {$150.00} online by the end of XX/XX/XXXXand XXXX every month thereafter to ensure this was current and would not at all be reflected on my credit. So, I complied. THen I made a XXXX payment online XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX I received a credit notification from XXXX XXXX my credit monitoring site stating there was a significant negative impact to my credit. Balance increase and derogatory mark. THis was from harvard collections listing a balance owed of {$8700.00}. THat is was past due, and not being paid on or addressed at all. THis is totally false balance, reporting of not addressing the issue, and of not addressing my situation or balance.
Never at all did I receive notification in writing nor via internet or voice communication on this {$8700.00} balance. I would never had ignored this. I have been ill since late XX/XX/XXXX, not able to work and on XXXX since XX/XX/XXXX. I need a XXXX XXXX.
Also, when I inquired to the state of Ill. and Harvard collections on what my balance owed was, and if that was the total they both replied yes to the {$480.00} stated in the letter.
I only used the funds the state allocated to me due to my illness and lack of income. I almost XXXX XXXX XXXX in one year, had a XXXX XXXX from my XXXX and went into XXXX XXXX. Still, I attempted to keep currant with my affairs and address issues including necessary medical appointments and medicine to stay alive.
Now, by one hit and one derogatory false mark my credit report has dropped 36 points in one day. THis will significantly impact my ability to refinance now when the second mortgage is coming due.
Please, please. I am seeking help to get this expunged from my credit and have the ability to resolve this issue.
THank you.
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: i have repeatedly told these guys I have no intention of paying this timed barred debt yet they continue to contact me on a regular basis saying they know this debt is beyond the statute of limitations for collection but they still would like to make a payment arrangement with me, each time a different person calls claiming to have no knowledge of prior contacts. Each time they say they are the last step person before a lawsuit decision is made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: That I have went under some names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something like that My name is XXXX XXXX XXXX And there has be fraud under these names and now my name ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Debt went to collections in XX/XX/XXXX and they have it as being opened in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Debt collection (Credit card) with COMMERCE BANK (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.CITY OF XXXX XXXX Account # Beginning in XXXX 2016, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX I have called repeatedly to talk to a supervisor and have left several messages as the first level customer service agents have no idea about there own policy! Nobody has bothered to call me back.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, XXXX file case # XXXX, and Equifax confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report

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 11/26/2015 about Credit reporting () with Consolidated Information Services (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/15, my credit report was pulled by a company called " CIS INC '', this firm pulled my report both from XXXX and XXXX. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors.

Company response to consumer: Closed with explanation