milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My complaint lies more with XXXX who never sent me a notice that a bill was due. They sold their information that was inaccurate to a debt collector XXXX. I did not find out until XXXX 2016 that XXXX was requesting a payment from me from the debt collector. I called XXXX and discussed what occured on the account with me canceling service and transferring service from my old employer to me. They informed me that it would be taking care of since it was XXXX error. They gave me a reference number XXXX along with the employee name. I asked if they were going to contact XXXX and make sure this was not reported on my credit bureau. XXXX indicated not to worry about it they would get it corrected and recall it from the collection company. I received notification in XXXX that a collection had been reported to my bureau in XXXX 2016. I contacted XXXX and spent 2 hours explaining what occured again! I was in the process of getting a HELOC and business loan this dropped my score over XXXX points. I had to postpone XXXX due to the drop in my credit score. All due to XXXX miskake!! They never sent a notice to my residence or tried to get a hold of me before sending it to a collection company. They claimed they sent the notice to my employers billing address. This could of been avoided if they would of called or sent a notice to the service address on record. XXXX billed me in error due to their employees mistake and even continued to do so after telling me they would correct the information in XXXX of 2016 giving me a reference number. They have informed me that I need to contact XXXX to discuss obtaining a letter and getting it removed. This is the worst experience I have ever had with a company and they do n't seem to care about the issues this has caused me personally due to their incompetence.

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 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was sued by Pressler and Pressler for an alleged debt that i never knew from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX and XXXX loans with Navient and I have been told repeatedly that my payments can not be lowered from $ XXXXmonthly, forcing me into a forbearance where the interest has now practically doubled the amount I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Settlement process and costs

Complaint: In XXXX 2015, my wife and I closed on a house financed by Wells Fargo. Up to that time, our credit was over XXXX and qualified for a low PMI payment and interest rate. At the time of closing, we were informed that our credit had gone down, and that we would be required to pay higher interest and private mortgage insurance. I checked our credit score and it had n't dropped. I also asked Wells Fargo to look into why they arbitrarily lowered my score with their proprietary credit reporting software, just low enough ( XXXX ) to make us pay extra money for PMI and interest. They could n't explain it and had no answer but at the time we were locked into the loan so we had no choices or options. I believe this part of the overall activity that has been occurring at wells and wonder if your office can do anything or make suggestions on what we can do address this issue.

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 08-01-2017 about Debt collection (Credit card debt) with Law Office of Michael J. Scott, PC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter from Scott & Associates, PC on behalf of XXXX XXXX XXXX. The amount is {$3100.00} and their account # XXXX. They also filed a lawsuit against me ( case # XXXX ) I called the Law Firm and I spoke in the to XXXX XXXX. I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN. XXXX XXXX XXXX told me that that my SSN in the account does n't match the last four of my SSN. At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house. I need this to stop. I sent them copy of the 3 major credit reporting agencies with ( XXXX, XXXX XXXX, XXXX ) that  shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my XXXX, A copy of my military service XXXX XXXX payment so they can corroborated the last 4 of my SSN. I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in XX/2016 flying colors. All this info and they still coming after me for something I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Shopping for a loan or lease

Complaint: Ref : Fifth Third Bank Auto Loan Discrimination I financed a XXXX Chevrolet Impala from XXXX XXXX XXXX XXXX through Fifth Third Bank on XXXX XXXX. I felt at the time that the fair market price was not accurate but I needed a car. I felt victimized until I saw this story : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Vehicle loan or lease (Loan) with GFS II, LLC (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I had problems with XXXX and XXXX at XXXX in regards to collection efforts and unfair practices. XXXX released private/confidential information on my mother 's voice mail box regarding my account. XXXX has been less than cooperative in assisting me with getting my account on track. I was making additional payment amounts higher than the regular payment. They don't go by month, they go by days and count payments bi-weekly versus monthly as most companies do. This company is like a pay day loan when it comes to auto loans. I wish I had known all of this prior to getting involved in this loan. I was pressured at the dealership and rushed to signing papers that I was unable to read quick enough ( dealership scheduled signing right before close and rushed me through ). I had no idea I was signing for bi-weekly payments. I thought the {$170.00} was a monthly payment which would be reasonable for the price, year, mileage, and value of the vehicle. Before I knew it was signed into bi-weekly payments of {$170.00} that I could not afford. We have had job losses ( other signer who drives the vehicle ) and they have acted as a payday loan on this loan. I believe the dealership ( XXXX XXXX ) and XXXX are tricking customers into signing into these unaffordable loans and then repossessing when the customer has already paid more than the vehicle is worth. This is where they are earning their money. They don't care about the customer keeping their vehicle. They are quick to repossess to earn more money. They repossessed the truck last night following my CFPB complaint last week on the breach of privacy and unfair collection practices last week. This should be considered and viewed as retaliation for my complaint as I even put in the complaint that I will be paying the loan on XX/XX/23 with my yearly bonus from my company. They were very swift in repossessing right after the complaint with no indication that they were going to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian does not provide credit report online via annualcreditreport.com. 
I keep getting the message " we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is  something I have no power over.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Chase misleadingly signed me up for a prepaid account. I thought it was a checking account. Also i used the card to withdraw {$5000.00} cash on XX/XX/XXXX and then online to pay dmv fees on XX/XX/XXXX. The charges online for hotel and online shopping auctions as XXXX XXXX and XXXX charged over {$17000.00} and i called chase immediately made a claim was told 90 days never heard from them called multiple timea to be put on hold for hours with no solution. Im furious and feel i should not be treated this way for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with RMS-Recovery Management Services, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Making/receiving payments, sending money

Complaint: I wired money on XXXX/XXXX/2015 from USAA account : XXXX XXXX XXXX {$5700.00}. to : XXXX XXXX XXXX, bank name : XXXX bank, bank address ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX acc # : XXXX. SWIFT code : XXXX. 
After two hours, I called to recall the wire transfer back. It was pending. I 'm still waiting for the recall. I know it 's my responsible to make sure the account information is correct. I feel that as a consumer that I should be able to recall the wire transfer as it is a error and scam. The receiving bank should be reply to USAA. All the bank should be there to help good customers not a scamer. The bank I wire the money to is in XXXX. 
The scam company is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, email : XXXXXXXXXXXX. 
add : XXXX XXXX XXXX, XXXX. XXXX. XXXX, XXXX ; XXXX. 
Banks should be able to recall the wire transfer for all the customers. Bank should be help the customers to get their money back as it 's is a recall. 
I also want to report XXXX Scams : XXXX XXXX {$8500.00} wired to XXXX from XXXX 's bank : Beneficiary : XXXX XXXX XXXX. 
Bank XXXX Bank XXXX XXXX XXXX. 
Bank address : XXXX XXXX, XXXX XXXX XXXX, XXXX bank XXXX # XXXX XXXX XXXX : XXXXPlease do published these XXXX scams ' company and name of these XXXX XXXX company:XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, fax:XXXX address : XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX. XXXX # XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX, fax:XXXX, address ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. 
Please do protect consumers and we should be able to recall all the wire transfer back to good customers at the same day or the next day.. 
Thank XXXX : XXXX : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The XXXX card was opened over 10 years ago then when it was sent to portfolio recovery I was not notified and when I tried working with the company to see if I could make payments they would not comply and also would not recently comply with my credit counseling service when I was working to consolidate and pay off my debt. Then I was summoned for a hearing saying I was being sued without notice and they then said I did not show up to the hearing when I did n't know when the hearing was in the first place. Once they refused to work with my credit counseling company I stopped receiving anything from them and was never told how to payoff this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX publisher put up a new privacy policy that allows opt out of individually tailored ads. One of the companies they work with is XXXX. Upon going to XXXX I found that they had an agreement to obtain information from the credit bureau Equifax, XXXX : XXXX Following the link to Equifax and looking at their privacy policy I found that they are integrating my demographic information and selling it, XXXX : XXXX This does not meet my expectations for how my family 's financial history should be used. I believed my data was private. If a company wants to ask for a list of people with a certain income range, credit score range and is then provided names and/or contact information for the list provided, how many inquiries would be needed to identify my private information. The databases already contain a computer or mobile device identifying my every move on the Internet. How is this credit bureau protecting my information? While it is making money at my personal financial exposure risk?

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I was offered a permanent Home Affordable loan modification by XXXX XXXX XXXX, the lender on my XXXX mortgage. I signed the modification agreement and I made a payment of {$250.00} demanded as a subordination fee by Chase, the servicer on my XXXX mortgage. Chase is now refusing to subordinate. This will cause me not only to lose the loan modification on my XXXX mortgage, but will also prevent me from obtaining a HAMP 2MP loan modification on my XXXX mortgage. 

A Chase representative recently called me and told me that I would " be out on the street '' if I did not agree to pay a lump sum to satisfy my XXXX mortgage immediately. I am entitled to a loan modification under the HAMP 2MP. Chase is denying me the loan modification to which I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I dispute these Item XXXX XXXX XXXX : Account XXXX Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted. XXXX XXXX XXXX : Account XXXX Amount {$5000.00} I was never late on this Account : XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 60 days, and XX/XX/XXXX for 60 days. And please remove all date of these late payment must be deleted Equifax. Equifax did not compile with the State Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with M&T BANK CORPORATION (NY).
Issue: Trouble during payment process

Complaint: I started having a big problem when the economy was very bad because I am XXXX XXXX and a XXXX XXXX. This loan is a second mortgage. I have been able to work out a solution with my first mortgage of which is XXXX. 

Every time I tried to work with M & T they wo n't work with me. I had to file an emergency bankruptcy to stop the last sale which was on XXXX XXXX XXXX.I also made a mortgage payment to them and they accepted the payment. When I tried to pay again they would not accept my payment.
Now I have another sale date XXXX XXXX XXXX and my first mortgagee does not know anything about the sale date. I told them about it today.

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is not deleting inaccurate information from my credit report. There was a medical collection placed on my credit file that should not have been there. I called the medical provider as well as the collection agency ( XXXX XXXX ) and the issue was resolved. I spoke to the collection agency at the end of XX/XX/XXXX, and they stated they would submit the account to be deleted from my credit reports on XX/XX/XXXX. I waited 30 days, and contacted the collection agency again because the collection was still showing up on my credit report. They stated they submitted the request for the account to be deleted on XX/XX/XXXX and to wait a few more days. So, I waited until XX/XX/XXXX, and I called the collection agency again and the rep stated the same thing, they submitted the request to have the collection removed on XX/XX/XXXX, and went ahead and sent it again on XX/XX/XXXX. So, I called Equifax on XX/XX/XXXX. Spoke to 3 different reps, the first one was unable to assist me. The 2nd representative who was a US representative was VERY RUDE ( she did not state her name ) nor did she even ask me what account I was calling about, I told her a collection account was submitted to be deleted and it is still on my credit report, she put me on hold for several minutes and got back on the phone and stated nothing was submitted to be deleted. She did not even know the specifics of my inquiry. VERY UNPROFESSIONAL. I asked to speak to a supervisor and the so-called supervisor ( XXXX ) and asked for the previous reps name, he stated he did not remember her name. I filed a complaint with him and left my phone number and never received a call back nor has my issue been resolved. 

The collection account is still showing up on my credit report and it has been almost 2 months since it was requested to be deleted. The collection agency sent me a letter confirming that they submitted the collection account to be removed from all three credit bureaus. I have attached the letter from XXXX XXXX. 

I 'm not sure what the deal is with Equifax but the collection account for XXXX XXXX listed on my credit report NEEDS TO BE REMOVED IMMEDIATELY!!!!! Do not respond and state you launched an investigation and that I have to wait 30 days. That is UNACCEPTABLE SINCE I HAVE ALREADY WAITED ALMOST 60 DAYS!

Company response to consumer: Closed with explanation