milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit profile and discovered that " AD Astra recovery Services, Inc '', had put a negative trademark on my credit profile for over {$300.00}. I then sent a letter for verification to this collection company requesting verification of this debt. On XXXX XXXX, 2015 I received a letter containing a loan agreement with just a signature in my name. After further review I seen nothing in this agreement other than someone writing my name on a piece of paper. I did some investigation and found that a person whom get this type of loan must fill out an application and submit a blank check from their bank. Neither of this type of validation was submited by this collection agency. A fraud alert was put on my credit profiles sometime ago. I am requesting assistance in getting to the bottom of this fraud and attempt by this collection company to violate the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.

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 10/23/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AES 's automated system does not give you the right amount. I have a recorded on XXXX/XXXX/15 that I notified the supervisor of that and she states they are aware it is incorrect but never said they were going to fix it. I recorded my phone call since I was paying my bill. They do not tell you that the calls may be recorded, I asked someone yesterday if my call was recorded, he said yes but never gave me the disclosure which is required. I want all negative marks removed because the reps also give an amount that is not correct, AES has committed fraud against me. They also tried to force me to get auto debit even though I wrote numerous letters telling them I am not interested. I WILL NEVER DO AUTO DEBIT WITH THIS COMPANY. NCT HAS NOT SUBMITTED PROOF THAT THEY STILL OWN THIS DEBT WHICH IS REQUIREMENT IN ILLINOIS TO COLLECT ON A BILL. AES CLAIMS THEY SENT IT TO ME BUT THEY DID NOT, I WILL KEEP COMPLAINING UNTIL AES IS SHUT DOWN FOR GOOD. I HAVE PAY LOTS OF MONEY TO NCT, THEREFORE I ONLY OWE THEM FOR LOAN # XXXX. NCT HAS NOT MEET THEIR BURDEN OF PROOF, THEY MUST SHOW PROOF THEY OWN MY DEBT AS OF TODAY. NCT SELLS LOAN IN INVESTMENTS, THEREOFRE THEY HAVE NO PROOF WHERE MY LOAN IS. AES IS A LIAR AND ENGAGES IN ILLEGAL BUSINESS PRACTICES. I KNOW WHAT I OWE AND I DO NOT NEED AES TO TELL ME THAT. XXXX XXXX IS STUPID BECAUSE SHE CA N'T READ BECAUSE SHE HAS NEVER FULLY ANSWERED MY COMPLAINTS, ALL OF HER ANSWERS ARE GENERIC. NO ONE FROM AES HAS CALLED ME TO DISCUSS ANYTHING WHICH THEY SHOULD. NCT IS A TRUST NOT A LENDER LIKE AES CLAIMS, I NEVER SIGNED ANY PAPERWORK FOR A LOAN WITH NCT. NCT IS A 3RD PARTY DEBT BUYER AND AES SHOULD NOT TELL PEOPLE THAT NCT IS A LENDER BECAUSE THEY DO NOT LEND MONEY, THEY ONLY PURCHASE STUDENT LOAN DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with National Consumer Telecom & Utilities Exchange, Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Previous CFPB compliant XXXX. 
NCTUE claimed to have mailed consumer report on XXXX/XXXX/15. 
No consumer report was ever received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (UT).
Issue: Application, originator, mortgage broker

Complaint: Hello. I 've been working with XXXX from Primere Residential Mortgage , Inc. in XXXX, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses XXXX XXXX to provide the FICO score to determine your loan eligibility. However, their middle score was XXXX versus my XXXX middle score. I compared the XXXX and immediately realized XXXX XXXX had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but XXXX was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of {$300.00} that I had already disputed w/ the XXXX credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, XXXX XXXX refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted XXXX, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors.

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 11-11-2016 about Credit reporting () with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have reached out to this company many times to help with the late payments they are reporting to my credit. I would like to work with the company to have the late payments removed to help me build my credit. Thanks.

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 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was told by XXXX that, I have house which is n't true,. I applied for apartment and I was denied due to inaccurate information, of credit reports. Also inaccurate residential verification.

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 11/14/2016 about Payday loan () with Cottonwood Financial Ltd. (WI).
Issue: Can't contact lender

Complaint: Charged fees I was not aware of Did not credit payments as I paid them. 
Ca n't contact lender closed XXXX in XXXX Wisconsin XXXX The Cash Store. XXXX Cottonwood Financial is charging me over {$2200.00} after I made payment on a loan of {$1500.00} of XXXX payments of over {$300.00}. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. 
XXXX XXXX, WI 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 02/27/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have had a credit balance of - {$580.00} on my credit card since XX/XX/17. I  have contacted XXXX XXXX XXXX three times since then about collecting this balance so I can close my account and have been unsuccessful. The credit balance was due to a return after the credit card was already paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: I think that I have been charged the {$35.00} dollars on the overdraft fees constantly. Some of the account are paid, but mostly keep getting charged the {$35.00} dollars for not having enough money on my account. Some of this accounts, I have n't given them any permission to be charging my account and I still keep getting charged for It. As of right know I owe the bank more than {$500.00} to {$600.00} dollars or more on this fees. XXXX that the Bank would give me credit on this fees, so I could get back to normal status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2016 about Credit card () with DISCOVER BANK (KY).
Issue: Payoff process

Complaint: The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Company was threatening to garnish my check and at the time I had XXXX in family and I was signing my daughter up for college and they threaten that I would not be able to get a loan for her

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 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage Acct # XXXX is reporting a balance of {$240000.00} on our credit files. This account should be reporting a XXXX balance as this was a Short Sale on XXXX/XXXX/XXXX. I sent a demand letter to Chase Mortgage on XXXX/XXXX/XXXX and have yet to receive a response from them. The only responses I have received are from the credit bureaus and the balance is still there. This is a major error that is preventing me from getting the credit we deserve. This needs to be corrected immediately or delete this account off our credit files!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I Try to cover Avery single fee every day but Avery day I gave overdraft churge I call and explain that I ruan to bank to cover the amount but still I get charge

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 monetary relief
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Like many Americans, I have been laid-off 4 times in the last 6 1/2 years and now even though I 'm employed, I earn about XXXX % to XXXX % of my income at the time I bought my home. After many attempts to get a loan modification from Carrington Mortgages Services, LLC., having the process started XXXX then they switch Cust. Service Reps and ignore you. .. I finally was approved for what they said was a HAMP loan mod. However, the payments they offered where only about a {$100.00} less then my original monthly mortgage payment. So knowing that I would n't be able to keep up with that on my much reduced income, I called and wrote to them for an explanation and a decreased payment. They again ignored all my attempts to communicate. Earlier this year, I began making those required payments, after making 2 payments, I was late on XX/XX/XXXX and told that I was declined for that program. So I asked for them to supply me with the terms of this loan modification ( in writing both in a faxed letter and email ) and again I was ignored ( they never responded ). So I contacted HUD for help from their counselors. I spoke with XXXX XXXX at ( XXXX ) XXXX this month ( XX/XX/XXXX ) to express my concerns of CMS XXXX NOT '' providing me with the terms of my loan mod. Telling her that I could n't afford the payment that they had calculated and I thought perhaps they had altered my income info that I had provided CMS with. I specifically told her that I 'm paid on commission only, therefor my income varys a lot monthly. So after some emails back & forth, she stated that CMS was showing my income at XXXX gross per mo. to calculate my payments. So then I told her that this proves my concern is legitimate and provided an example. Looking at my paystub dated XXXX/XXXX/15 shows a gross of ( XXXX year to date ) Dividing that by 15 weeks = XXXX per wk. multiplied by XXXX then = XXXX annual total.Then dividing again by XXXX = XXXX per month gross income. Obviously this is at " lot '' less that the {$3800.00} per month that CMS stated was my income ( which they used to calculate my payment of the loan mod. ) More importantly it confirms my suspicion that CMS had altered the info I had provided, to suit their outcome. With this now established, I have asked XXXX XXXX ( HUD ) in XXXX emails and voicemail .. how can she help me with this. I still have n't heard back form her. As I mentioned Carrington Mort. Services has not responded to me either. So now I 'm writing to the CFPB for assistance in the matter of this documented discrepancy in the calculation of my loan modification payment. I can provide you with copies of paystubs, emails, and faxed correspondence as supporting documentation to my complaint. All I 've ever wanted through-out this frustrating ordeal with CMS .. is a fair and affordable loan modification in order to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I received a screen online that read, " We were unable to honor your request. If you entered credit card information, we did not charge you '' ( I did not enter credit card information, nor was asked for it ... Was I scammed?

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 01-04-2017 about Debt collection (I do not know) with Esser, James & Associates (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Me and my father-in-law both have been harassed by phone by Esser James and Associates daily for 6 months. Esser James and Associates were looking for a woman named XXXX XXXX, who we have never heard of, and has never lived in our home. We contacted the Attorney General to make the calls stop, but instead of stopping, they moved on to calling my and my father-in-law 's personal cell phones. The calls stopped on my end when I let my prepaid cell phone run out. They have been relentless on my father-in-law 's phone, however. I 've been looking for solutions to make these people stop harassing my family looking for a person who does n't exist in my home, and who we do n't know, but have been unable to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NV).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: On XX/XX/XXXX I had my credit scored pulled to purchase a home for my wife and I. My score was extremely low because there was a charge off credit card from Wells Fargo. We never use that credit card and we always watch our bills to make sure payments are conducted on time. Apparently there was a purchase made on XX/XX/XXXX for a renewal from microsoft which we cancelled and they still charged, we never received a payment notification from wells fargo for the XXXX charge from XXXX. No phone call no e-mail, nothing. Now that we are trying to purchase a home it 's become impossible because of this one card and a charge we were never notified off.

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 monetary relief