milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Debt collection (Medical) with ERC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is old debt sold to a collector who now shows this as new debt. Should have been off my report by now.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Greetings, Greetings, I have initiated disputes with XXXX and XXXX XXXX to remove incorrectly reported late payments for NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my XXXX  and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (NY).
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: XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, WIXXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXXXXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as home visions on XXXX XXXX report and XXXX XXXX  on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX and Swiss Colony but it now shows up as Swiss Colon / XXXX as well as XXXX  They keep changing the name.

Company response to consumer: Untimely response
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting Collection accounts from XXXX ( a Debt buying company ) These accounts are from a XXXX hospital I have never been. 
Also the COLLECTION ACCOUNT values are at XXXX balance. It is unlawful to report a collection that has no value

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 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continuously requested for debt validation and verification from this company. They have used tactics that reflect their noncompliance with my request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I cosigned on my daughters call loan., He loan is financed with Ally Financial. She makes her monthly payments however she uses the 15 days grace period in order to stretch her money between pay checks. I am constantly harassed by calls from Ally financial throughout the day. We have told them repeatedly to only call if she falls 30 days late. I do n't want calls if she is in her 15 days grace period. They continue blowing up my phone day after day until the payment is made. Today XX/XX/XXXX I received 2 phone calls between XXXX XXXX and XXXX XXXX. I tried to tell the lady that called that she is using her 15 day grace perod. This woman talked over me time and time again until I got angry and told her she was making me mad as she talked over me. in the middle of me telling her to stop calling unless it was 30 days late she put me on hold Very rude and unprofessional. I can assure you my daughter will make her payments but I am tired of being harassed. They even call me on Sunday 's which I know is n't against the law but again I am tired of it. I think someone needs to look into how many times their dialer is calling customers as this seems like harassment to me.

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 04/29/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Geeze, Seterus is really getting a jump on the complaints!!! Now I received notification they placed insurance on the home for 90 days for the sum of {$1500.00} which is insane on so many levels. First, they state their 'records show that your hazard insurance has expired ' which plain and simple, their records are wrong and they should have received insurance information from XXXX XXXX XXXX who received insurance information both in XXXX and around a month ago and both are well documented with the cfpb. Second, insurance for the home costs around {$1500.00} for the year, not 90 days so what kind of robbery is this!?!?! 3 ) Seterus as per a previous complaint still needs to back up and back off and for many reasons also noted in previous complaints. 4 ) As detailed with XXXX XXXX XXXX, Seterus needs to provide proper legal documentation as to why and how in the eyes of the law that I bound to their terms since the only legal document I have signed related to this loan was with XXXX XXXX. 

At this point I definitely consider that seterus has crossed the line with their threats and intimidation and when I speak to an attorney regarding XXXX XXXX XXXX, I will also discuss a lawsuit against Seterus as well because this simply is not the way things should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have medical bills from services that were supposed to be charged to my medical insurance. I have XXXX which obviously means I am a person of low income and can not afford to pay for medical treatment on my own. I need to have these collectors submit these bills to my insurance company. Which was never done by the original biller.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (I do not know) with Merchants Acceptance Corp (ID).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Medical) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not received any notices or letters from them before putting on my credit report. This is not proper way to contact the client to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/18/2016 about Credit card () with WELLS FARGO & COMPANY (DE).
Issue: Customer service / Customer relations

Complaint: After I submitted a complaint to Wells Fargo then the CFPB about the misleading advertising on their Wells Fargo Rewards card, Wells Fargo responded to both and did not do anything except dismiss the claim and point to their lengthy terms and conditions as evidence they are in compliance with their own terms and conditions. Then on XXXX/XXXX/16, I received a statement from Wells Fargo showing that they forfeited XXXX points on my Wells Fargo card because I complaint to the CFPB when I am not supposed to. I contacted Wells Fargo customer service and they told me the same thing and will have a floor manager contacted me within 5-7 business days to further explain the rationale the points forfeiture. It is unethical for Wells Fargo to punish a customer for raising a complaint about bad customer service or misleading adveristing.

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 08/27/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Ever since my XXXX student loans came due in XXXX 2015, Wells Fargo has consistently misapplied my full amount payments to only XXXX or XXXX of the loans, and then charged me late fees for the remaining balance. This has happened whether payments were made in a branch, through the app, or over the phone. By the time I discovered these mistakes made by Wells Fargo, late fees had already accrued. These late fees have not only caused a lot of hassle, they have also caused significant drops in the credit scores of both me and my parents, because when these " accidents '' are made, and account are mistakenly shown as past due, this information is then forwarded to the credit reporting bureaus. 

Additionally, because over XXXX loans, my interest averages out to a little over 10 %, I applied for a modification in an attempt to lower my monthly payments of {$890.00}. I was informed that, along with my parents as cosigners, we made too much to qualify for a modification. We then went through the process of applying for a student loan consolidation. After Wells Fargo lost my parents ' submitted information multiple times, we were finally denied the consolidation by receiving an email informing me that I still required a cosigner to qualify. When I called to ask if this was a mistake, as I had submitted my parents ' information multiple times, they informed me that, between my parents and I, we did not qualify for a consolidation, not only because our credit scores had dropped ( in no small part due to misreporting accounts as past due, when they had, in fact, been paid ), but because we did not make enough. 

As of this morning, I received an email from Wells Fargo informing me that I was past due on XXXX of my XXXX accounts. This last month, in an attempt to avoid any issues with Wells Fargo for the first time in over a year, I made my payments two weeks early, through the app, and paid on each account separately. After a fifteen minute phone call, I was informed that, once again, a mistake had been made by the app, and the payments were only applied to XXXX of the accounts. The person I spoke with assured me, as I have been assured every month for the last fourteen months, that a flag would be placed on my account so that a person would manually make sure that my payments would be applied correctly. 

Wells Fargo has just settled with the Consumer Financial Protection Bureau for misapplying student loans payments so that they could charge more late fees, even when payments have been made properly. At this time, I currently have an outstanding balance of {$88000.00}, with {$220.00} in late charges. I do not look forward to having to call Wells Fargo again in XXXX when they most likely " accidentally '' misapply my payments for the fifteenth 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 monetary relief
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My credit report is showing a vague public record owing {$920.00}. This information is inaccurate and the information does not belong to me. I have tried to dispute the information in the past including obtaining a police report for identity theft and and the information is still showing on Equifax report however no other bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: PHH is altering facts and fraudulently foreclosing on our property. I am attaching a letter they sent us confirming this. We have many pending complaints on this company with the CFPB that have not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (LA).
Issue: Can't contact lender or servicer

Complaint: I 'm trying to have my refund settlement check re-issued by ACE CASH EXPRESS, INC.REFUND ADMINISTRATOR. The Date of issue was XX/XX/XXXX which has been over 90 days, due to medical conditions, including XXXX  from XX/XX/XXXX thru XX/XX/XXXX I was not able to handle my business. This check was for the amount of {$290.00}. I have called the phone number on my correspondence letter, that my check is attached to, I have e-mailed & wrote a certified letter on XX/XX/XXXX to the Ace Cash Express Inc. Corporate Office. No response from any form of my comunications. My complaint is I want my check re-issued. These funds have been allotted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have submitted  XXXX  claims already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports. Equifax and  XXXX  keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with WELLS FARGO & COMPANY (DC).
Issue: Balance transfer fee

Complaint: I was charged {$440.00} on XX/XX/XXXX for a balance transfer check. There were NO terms and conditions attached with the convenience checks that I received so the fee of 3 percent was not disclosed to me in advance. Also, the credit card in question was opened by Wells Fargo, not by me. Thus, I am not obligated to pay the balance transfer fee, and Wells Fargo basically refused to reverse it after discussing it with me over the phone today dated 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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern/ Dear Td Bank XXXX XXXXXXXX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Td Bank XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 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: Account information incorrect

Complaint: XXXX   XXXX   XXXX  Account should be deleted as of  XXXX    XXXX   according to report  XXXX   ( have had problems in the past with prompt deletion when dealing with TransUnion directly ).

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 06/13/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 between XXXX and XXXX, someone broke the glass of a friend 's back car window and stole my purse. It contained my Driver 's License, Debit Card, XXXX Credit Cards, approximately {$50.00} in cash, {$100.00} in gift certificates, my home keys, my business keys, and approximately {$50.00} in makeup. I immediately cancelled my credit cards and debit cards. The police were called and a report was filed. I noticed there were XXXX fraudulent charges pending the night of Thursday XXXX XXXX, 2015. I called Wells Fargo to notify them and I was told nothing could be done until the charges were no longer pending. I warned them that it would make pending bills I was in the process of paying ( sent checks in the mail and had auto billpay ) and was told again, there was nothing they could do. I was notified via email the following morning, XXXX XXXX, 2015, that XXXX fraudulent checks written to me were cashed and when they returned NSF, {$3200.00} was taken from my account. I called Wells Fargo again, and they labelled it as fraudulent to dispute the charges. I went into my local bank branch and they were able to print copies of the fraudulent checks and tell me from which branches they were cashed. I notified the police of the updated information the same day. I have notified the credit bureaus and a 90 day fraud alert was placed on my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call.

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