milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband and I received a letter on  XXXX   XXXX ,   XXXX   from our mortgage com pan  y ( Wells Fargo Home Mortgage ) that ou r account was marked delinquent several times over the time of  XXXX  for our mortgage account and for our home equity line of credit accounts. The months that were in error were  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . This also means that it may have affected months before or after those reportings as well. We own our own business and this has affected our livelihood tremendously!!! We have called time after time and written letters over the years trying to find out why o ur credit score was   dropping and could not get an explination. After several years we finally get a letter f rom Wells Fargo Home Mort gage stating that they were in error. We have to have credit in order to keep our business going and to be able to have inventory, banking approvals for customers, and floor plan for our products as well. This has held us back from being able to make our business grow and prosper in the way it should have been able to and has affected not only our business, employees, and customers, but our own family as well. We have not been able to get loans for business and personal accuonts that we have needed. This in NOT acceptable and we have tried to reach out to many different contacts and credit bureau 's ... ... ...  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   ,   XXXX   XXXX   XXXX   , Wells Fargo Home  Mortgage etc. Please help us get this corrected and taken care of so that we can finally be able to run our business the way it should be and so that we are not punished when trying to get loans for business or personal use in the future.

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 02-12-2018 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Several people from this place called my phone and my husbands, claiming to be working for Capital one and XXXX XXXX XXXX wanting me to pay an old Capital one debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe Capital one a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Checking account) with BOEING EMPLOYEES CREDIT UNION (CA).
Issue: Account opening, closing, or management

Complaint: I opened an account in 2014 with BECU that came with a free credit line for working with XXXX. Earlier this year I hit a snag with my paycheck at my job being switched and used the card as an emergency resource to eat. 
I thought I had the balance covered from having money taken out of my account, but when my card was going through I was told that when my balance was low, it was actually pulling the rest of the cost from the credit line. 
When I discovered this was happening, I called BECU and requested that this feature be turned off. By this point my credit line was closed because my checking account was {$0.00} and was unable to make the automatic payment to the credit line each month. This was about XX/XX/XXXX. 
Fast forward to this summer and I received a call from a company working for BECU saying that my card was compromised and was billed for a charge in XXXX. At this point I 'm trying to pay off the credit line and this pops up and drains my account. I found out that my checking account was n't able to cover the balance and that a portion of the fraudulent purchase was pulled from the saving account this time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account from my 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: WELL I BEING TRYING TO REMOVE THIS ACCOUNT FOR THE LAST 4 MONTS FROM THE CREDIT BUREAU AND ALSO FROM THE CREDITOR, EXPLANING ALL MY INFORMATION WITH COPY OF MY SS AND MI ID CARD SO THEY CAN KNOW THAT THIS ACCOUNT IS NOT MY BUT THIS ACCOUNT STILL IN MY REPORT UP TO DATE.

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 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The item is not mine. Company has n't deleted item after I provided proof.

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 12/14/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (FHA mortgage) with Aldridge Pite, LLP (OR).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX Is creditor, " not '' XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX. As of XXXX 2014, when XXXX XXXX XXXX SOLD THE LOAN to XXXX XXXX SERVICES called LOAN POOLS! XXXX POOLS WERE ACCUIRED BY XXXX XXXX XXXX XXXX " NO " LETTER OF TRANSFER " HAS BEEN RECEIVED FROM XXXX XXXX XXXX XXXX. 
AND FEDERAL LAW STATES THAT : " A LETTER OF TRANSFER IS A REQUIREMENT ". I DISPUTE AND DO NOT AGREE WITH ANYTHING!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Medical debt) with FirstPoint Collection Resources (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1600.00} on my XXXX credit reporting agencie. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt which is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My account is with XXXX XXXX XXXX It is XXXX card. I set up the account so that I could pay it on line. When I went to pay the bill this month, the website would not let me pay it. I mean that when I clicked on the tab to pay it nothing happened. I tried several time before I called the number on my card. The automated system on phone asked if I wanted to pay a bill, I tried that. Again I was not successful. I finally went to a customer service representative who allowed me to pay the bill. I payed the bill in full. I then closed my account. Now I have an interest charge of {$29.00} on a closed account that is closed and has a XXXX balance. I am also informing XXXX XXXX XXXX of my action here so that they are aware.

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 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company claims that I owe a debt, I have asked the debt collection manager and their supervisor on how to dispute the debt, simply because I do not owe it. They both said you have to wait until you get your breakdown of charges, I have been waiting 3 weeks to recieve a breakdown of charges from this company. Called back and they advised that they sent it to the wrong address. I corrected the address with them again, and have not recieved it yet. The orginal company that claims I owe this debt has gone out of business. I went to XXXX XXXX XXXX in GA, and they do not show a judgement against me from the apartment complex or management company. I sent the collection ageny a fax containing letter asking for it to be removed, and proof that I do not owe the debt on my own not knowing the correct way to dispute it. They were only interested in talking about money, and not a way to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Equifax have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Equifax continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (AR).
Issue: Managing the loan or lease

Complaint: XXXX XXXX, 2015 Dear Federal Trade Commission, This is the problem that I am having. On XXXX XXXX, 2015, I had a wreck in my 2015 Toyota Corolla. Two weeks later forms were needed to complete the process for payment from XXXX. I had to go get an incident report, the breakdown on how XXXX insurance came up with that amount and the amount that was paid from my insurance. Okay this how it all got started. I went to Tennessee where the accident occurred and got the police report because I had all the other documents already to go. I put the documents in the mail the same day. I mailed the information XXXX. When I mailed it off I made sure that the company gets it in a couple of days. Okay I thought the process had begun until I check my credit report and I showed thirty day delinquent. So I called XXXX and asked them why have n't XXXX Toyota received the remaining balance yet from the 2015 XXXX XXXX. They stated that all the information has not been received to get the ball rolling. So I asked what other information that you are talking about. XXXX stated we are still waiting on the police report. I told them I sent it out already. We went back and forth with the same conversation. I told them I paid XXXX dollars for that incident report. I am glad I made a copy of the XXXX I had. So I sent another report out to them. I kept checking every week to see had the process begin. Still no word on when they will pay the remaining balance. So I asked do I need to pay my regular car payment so it will not go on my credit. The worker stated your case is being processed just waiting on the incident report. By that time another thirty days was approaching on my credit report. I just sit there with tears in my eyes because I knew it was nothing I could do because one thirty days had already smashed my good standing credit. I have worked so hard trying to do the right thing with my credit just for this company to give me the run around on finishing paying for the car. When you add extra coverage on your vehicle to make sure it is paid in full just in case something happen, it really happens. XXXX did n't waste any time receiving their portion of the payment every month. But when push comes to shove, they let you down. This is really upsetting to me because I pay my bills and for this to happen it is heartbreaking after I worked so hard to keep my credit in good standing. I have always paid my bills on time and XXXX acts as if credit does n't matters to them. I did have no problem paying them every month. So when I became in need, they washed me under the table. This is my first time dealing with XXXX. They did n't explain to me how the process works if an accident occur. I would n't have let this gotten to the point where it affect my good standing credit. 
I really hope that you carefully look into the matter and contact me with the results. 
Thanks and have a Happy Holidays. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Why would I have to pay almost XXXX to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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 data breach identified my information as effected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit card () with JPMORGAN CHASE & CO. (NM).
Issue: Transaction issue

Complaint: I was charged a foreign transaction fee of XXXX on XXXX/XXXX/2016. The bank explained that this fee was charged in relation to a ticket purchase I made through XXXX XXXX website because it was made through foreign currency. I advised the bank that I made the transaction through US dollars and that there were no indications on the airlines website or in the receipt I received that there will be any fees associated with the transaction. Since such a fee was not disclosed to me at the time of transaction, I requested a waiver of the fee. My request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Credit card) with Solomon and Solomon, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX in full in XXXX 2012 after they left defective exchanged mattresses, boxsprings on my sidewalk outside my building which is illegal in XXXX due to bedbug epidemic, I stated that I would take XXXX to small claims court if they did not reimburse {$500.00} I had to pay for immediate removal as they would not send drivers back to pick up. Also, originally XXXX 's claimed they did not receive returned merchandise, but that is because their drivers dumped on my street. After numerous calls to XXXX 's corporate, I paid in full and closed my account after speaking to corporate minus the {$500.00} I had to pay out of pocket. Now it has been 3 years and debt collector seeking original debt plus the {$500.00} I paid out of pocket and an additional over {$1000.00} in fees. This was paid and closed in 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in XXXX when I had n't had the XXXX accounts since XXXX at the latest. Coincidentally these items did n't appear on my credit report until late XXXX. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written down each individual inquiry that has been placed onto my credit report without my knowledge. I have also spoken to XXXX and Transunion customer service agents who have told me that they will be removing the fraud inquiries. I have one day post sent all of the documents that have been asked from the bureaus. 

XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion XXXX XXXX XXXX- XX/XX/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 11-09-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I tried to work with Citimortgage to resolve an issue resulting from a second mortgage that they took foreclosure action on in XXXX. The timing of this action falls under the Cease and Desist order as well as the Consent Judgment filed against them and other lenders, in or around XXXX by the US Government. According to the Order and Judgment, Citimortgage is obligated to work directly with me if I have an issue with their third-party agent, in this case XXXX XXXX XXXX, a law firm. After speaking with Citimortgage representatives several times during XXXX, they told me that the third party refuses to release the file back to them and they can not do anything about it. However, they are under order to bring back files from third parties if consumers are having issues with them, which I am having. In addition, my original issue needs to be resolved directly with Citimortgage. That issue is I should have been offered remedies under the Order and Judgment but was denied access to these remedies by the third party. Please see attached documents regarding the fake mediation and judgment the third party coerced me into and their continued unfair actions against me in light of the Order and Judgment.

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 01/25/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I paid off my loan on XX/XX/XXXX and after calling to see how long it wold take to receive the title I was given different answers every time I called from 2-3 days, 7-10 days to 15-30 days. I called at least twice a month since I paid it off and as of today I still have not received it or the payoff letter that they said I was supposed to receive. The last conversation I had was XX/XX/XXXX and was told by XXXX ( she would not give me a last name or operator number ) in the " Resolution Dept. '' that she would resend the payoff letter that I should receive in 7-10 days and that they would send me a duplicate title which would take an additional 2-4 weeks but they would send it XXXX. She told me she would call me today at XXXX to confirm everything but I did not hear from her. The case number is # XXXX. I asked her to let me know how many times I had called and she said she could not look up the calls unless I gave her specific dates that I called even though the people who I spoke to in " Customer Service '' seemed to be able to pull them up on their computer when I spoke with them.

Company response to consumer: Closed with explanation