milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have items showing negiitive reports on accounts my ex wife must have got in my name unknowing to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company contacted me about debt which I disputed and requested validation on XX/XX/2015. The company never provided the validation of the debt. Instead they sent the case to an attorney 2 months later. I informed the attorney that the company was in violation because it was after 30 days and they did not provide any validation information and collection efforts should be ceased. No other contact was made, now they have filed a lawsuit of an account that was not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 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: Credit inquiries on your report that you don't recognize

Complaint: The following ALLEGATIONS of inquiries 1. XXXX XXXX XXXX 2. Spring leaf Fin Srvcs- XXXX/XXXX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX is NOT reporting COMPLIANTLY due to XXXXne of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is  clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. Equifax is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was affected in the Equifax data breach. I 've attempted to put a security freeze request with them, only to face a busy signal when attempting to call, and a " System currently unavailable - Error 500 '' error on their website when attempting to do this online. A similar error is given when attempting to place a 90 day fraud alert on my file. I 've attempted to do this for several days in a row, being met with the same end result. If I 'm unable to even respond in a proactive manner to this breach once realizing I 've been affected, I 'm left vulnerable to the devices of whomever has stolen my data. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (ME).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I went through the process of filing an out of state title transfer for my vehicle. The original RI title was mailed from Wells Fargo to the Maine XXXX on XXXX XXXX, XXXX. The Maine XXXX transferred the title to Maine and mailed back the title to Wells Fargo in the provided Wells Fargo envelope on XXXX XXXX, XXXX. Neither the Maine XXXX or Wells Fargo have a tracking number for the envelope mailed. I need a copy of the Maine title to be faxed from Wells Fargo to someone else so that I can sell the vehicle and get out from under the loan. Wells Fargo has told me that they have n't received the Maine title, even though it is past XXXX business days. I believe that since they know I am in the process of selling my vehicle, they are purposefully giving me the run around in order to continue to collect interest.

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 04/28/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Other fee

Complaint: At the XXXX office I signed up to pay the remaining balance - zero interest with Care Credit - now Synchony Bank. Since I am a busy working mother and Synchrony bank continued to ask me to move to to this method - I signed up for electronic payments. They automatically calculate your payment and it is drafted from your checking account. This process is easy and I have no complaints on that process. 
My complaint is this, in the email that comes each month is a link to a statement but in the body of the email is the amount. So I do n't have the need to look at the statement - I just go in and pay the amount. However, what I did n't know was this company does n't want you to remember when your promotional period is up. This is how they make their money. So, when my promotional period was up, I figured this would be communicated either in the email that I was sent each month or in the new payment amount. Wrong! They do neither. They say nothing about your promotional period expiring and they do not adjust your payment to pay the balance off. 
So, because I trusted this company to do the right thing, I missed the ending period. Now I have 2 years of 26.9 % interest. I owe more now than what I initally financed 2 years ago. {$1500.00} in interest without XXXX notification! I find this truly deceptive!! I called customer service and told them, but they do n't care. I have filed a XXXX complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The account balance owed with Wells Fargo was {$7000.00}. I called Wells Fargo to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is Wells Fargo would agree with the amount for monthly installments, he finally said that Wells Fargo approved my request to pay {$120.00} per month. When I would call Wells Fargo, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by Wells Fargo for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company on XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XXXX XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email on XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to Wells Fargo initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XXXX XXXX I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on 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 non-monetary relief
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau of York, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sign a contract with the company XXXX XXXX XXXX, for one year, when I sign the contract the manager with the name XXXX, told me, if you cancel the lease before the year, you lose the down payment, and all is ok. but after 6 month I talk with her to try to cancel the lease, she said no, if you cancel the lease know, you need paid the total pending in the lease, for XXXX, I deliver the keys, and she put my information under collection for the value mentioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my XXXX XXXX and my security clearance remains at risk.

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 07-08-2017 about Mortgage (Conventional home mortgage) with Quality Loan Service Corporation (NV).
Issue: Struggling to pay mortgage

Complaint: Quality Loan Service posted a Notice of Trustee Sale at my door today, they are attempting to do a non judicial foreclosure as a Trustee based on a note I executed with the Lender ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX went out of business. I have been asking my loan servicer ( XXXX XXXX ) and Quality Loan to please let me know who is the Beneficiary of my loan. They have refused to provide me that information. I believe that only the the current beneficiary is authorized to instruct the trustee to initiate the nonjudicial foreclosure process. Since the last known beneficiary was XXXX XXXX XXXX XXXX and they went out of business, I would like to know who is the current beneficiary and the proof of their purchase. This is the only reason I was afraid to negotiate a modification with XXXX. I became suspicious after they took money from Nevada 's Hardest Hit Fund on my behalf but refused to bring my loan current after that. I would like to see proof of who owns my loan now and if they are authorized to order Quality Loan Services to foreclose on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Paris and Paris, LLP (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been making monthly payments of {$200.00} to Paris & Paris to pay off a outstanding loan balance to XXXX California. I initially sent a payment of {$2000.00} and have been making payments of {$200.00} for more than 2 years. I had been making payments of {$250.00} prior to this before missing several payments due to financial troubles which did not allow me the chance keep up with the payments. Since them I have kept my payments on time. I asked to see a statement of my beginning balance minus all my payments plus interest to see how much was left on this debt, but was denied. I believe that is not legally right, and I want to know exactly what I have left to pay off my debt. Please left me know if I have a legal right to this information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: My misery continues!!! 

I sent cfpb a complaint about Equifax reporting TWO Social Security Numbers for me when I have only ever had ONE SS # in my entire life!!! Complaint # XXXX. 

You reported that Equifax needed more time than the normal 14 days " investigate. '' Up to 60 days! 

I just received a letter from Equifax dated XXXX XXXX, 2017 saying they need {$8.00} and additional documents that authenticate my identity -- including ironically -- a copy of my SS # Card! 

This is outrageous. 

There is no way to report additional events on the original complaint. So I am opening a new complaint here. 

Please help me to regain singularity in my identity! 

One SS # is all I need. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (HI).
Issue: Fraud or scam

Complaint: In XX/XX/XXXX, an internet friend introduced me to a International crime agent whose name is XXXX XXXX. XXXX said that he can investigate a scammer named XXXX XXXX in XXXX to get him arrested. So I entrust him to do the investigation for me. He said that his initial fee is {$2000.00} and asked me to transfer to his friend named XXXX XXXX of XXXX for me. XXXX XXXX and XXXX XXXX can fly to XXXX to do the investigation. So I transfer the following {$2000.00} to him via XXXX XXXX as follow : Order Date Amount Recipient XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX  After I sent the money to them, they just gave me a faked story and then disappeared. I immediately ask for a refund, and then did not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I 'm having problems receiving mail from my mortgage lender. I 've been trying to get a modification on my loan for several months. The only way to know where I stand in the modification process, is by phone. In the last three weeks, I have been unable to get return calls. I was informed a month ago, by one of the acct managers that they had my mailing address incorrect. As of today I still have n't received any mail concerning their decision. I am having problem contacting my acct manager.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with JPMORGAN CHASE & CO. (AK).
Issue: Other fee

Complaint: I used a balance transfer check to purchase a car on XXXX/XXXX/2016. I could have charged the purchase on the card but I thought the check would be more convenient. Now I am being charged a fee for using the check. The fee is mentioned only in fine print at the bottom of the accompanying letter ( see attachment please ). The fee is not mentioned anywhere that would be noticeable to the normal reader. I feel that this fee should be reversed since it is not clearly presented on the check offer. I feel I have been tricked and this fee is not fair under the circumstances. I am requesting a credit for the illegitimate fee charge.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Medical) with Aargon Agency, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
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: LexisNexis has sent a " canned response '' and has failed to provided the requested source of their " verification '' ... Case # XXXX This bankruptcy is inaccurate ...

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

Complaint: I continue to review my credit report for errors and the same errors that I have disputed are still present. When I try to file a dispute with Experian it will not allow me to do so and an request that I cancel my dispute. XXXX and XXXX XXXX have prematurely added late notices to my reports even after being paid and before I ever became XXXX or XXXX days late. XXXX was paid on XX/XX/2016 via XXXX bill pay but refuses to accept my payment. They claim that the they have an internal rule in which they do not accept payments from customers who have had more than XXXX return payments. This rule was never presented to me during the signing of my loan agreement nor did I sign anything to agree to this. XXXX is at fault for not applying my payment correctly. On XXXX separate occasions I requested to be placed on automatic bill pay through a monthly withdrawal from my bank account. I submitted the paperwork to XXXX twice and even confirmed with a female associate who confirmed they had my paperwork. I reviewed my account and observed that I sent payment by accident through my bill pay which I stopped because XXXX was to draft my payment from my account on the XX/XX/XXXX day of the month. Instead of drafting my account the market me as 30 days past due for the month of XX/XX/XXXX even before my payment was due on the XX/XX/XXXX. When I called them they stated that they will no longer accept payment from me unless it was in the form of certified funds. When I asked what happen to my automatic draft they claim that they never received it even after they confirmed they got it. Similar to XXXX XXXX they are claiming that they have an internal policy where they refuse to accept payment which again was not agreed upon in my loan terms or was brought to my attention when I opened the loan. These late notices should not be on my credit report and were done so maliciously by these pay-day lenders. Also I disputed my XXXX account who has reported me late in error. The balance is incorrect on my XXXX account and my payment history is incorrect. I was on a payment protection plan due to a job loss that reduced my payments. Apparently my bank account information was entered incorrectly which caused my payment to be returned and because I was in error added to the do not call list I was not notified until several days later, via XXXX mail after the XXXX mark. XXXX agreed to remove the XXXX day late mark if I filed a dispute but Experian has failed to investigate this properly. I have attached the response from Experian and how they prevent me from filing an additional dispute to remove these errors.

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 07/31/2016 about Credit reporting () with BARCLAYS BANK DELAWARE (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS COMPANY PLACED AN INQUIRY ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX ) BECAUSE SOMEONR FRAUDULENTLY USED MY INFORMATION TO OBTAIN CREDIT

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 12/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification on my home since XXXX XXXX, I have been working with a XXXX Approved housing counseling agency XXXX XXXX XXXX and we have done everything that my lender has asked and still have not received an answer. This situation started due to the fact my lender charged me escorw on my home for my taxes and I am my husband are exempt due to our age we are senior citizen and my husband is XXXX. I now have a sell date on my home scheduled for XXXX XXXX, XXXX and I am desperately in need of the CFPB help to resolve this situation.

Company response to consumer: Closed with explanation