milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Shortly after purchasing my home I became unemployed. Over the last XXXX years I have been employed briefly and have received some assistance with paying my mortgage through the XXXX. I am currently a part-time XXXX and am receiving a living stipend. I have requested assistance from Wells Fargo Home Mortgage for a Loan Modification and have been denied. A letter has been issued by Wells Fargo Home Mortgage stating that I have until XX/XX/XXXX to appeal this decision. I am working with XXXX, a non-profit housing counseling agency and need additional time to resolve this situation. I would like avoid foreclosure proceedings and stay in my home. I appreciate any assistance you can give me. Thank You.

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 11-10-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have requested that the company cease and desist telephone calls XXXX times and that has been acknowledged by the company XXXX, but they continue to call. When I asked via email that they stop calls, they continue collection attempts but do not address the telephone issue.

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 Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX-XXXX-17. Do not have the option to pay a pending Promotional Waived Interest Balance without having to call XXXX which takes an hour or more. They should be forced to provide options to pay whatever amount I want to avoid interest waived. It is setup to have them make interest by making it difficult to pay before the promotion ends.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A few months ago i notified Equifax that i noticed there were a ton of inquries on my credit report that i did not authorize. They responded back within a week that they were ACTUALLY MINES. How can you verify all those inquiries within a week? Just how? Mind you i have a fraud alert on my credit report because i felt like someone was attempting to get credit in my name. I checked my report today and noticed i had FORTY SIX INQURIES. FORTY SIX!!! - How? Who 's applying for these accounts? How is my credit not protected even with a fraud alert. Equifax told ME to reach out to the companies. Forty six companies? Really? I am obviously a victim of identity theft. I have contacted my local authorities and filed complaints. Equifax needs to remove these unauthorized inquiries off my report. ALL OF THEM. This is embarrassing that my personal information is easily accessible and i will not stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( XXXX # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ...
I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount.
When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that Experian and XXXX have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you

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 01/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call on my cell phone via an automated dialing system from a man who was very rude and immediately disclosed my debt without obtaining any verification from me. He advised me he was calling from the " litigation department '' and my account had been reviewed by an Attorney in his office. I interrupted him and asked if he was in fact calling me from an automated dialing system ; he refused to answer my question and told me if it was n't a good time to just say so. I informed him he is in violation of TCPA, and not to call my cell phone again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: I have been in contact with all three credit bureaus and collection company XXXX XXXX XXXX c/o XXXX XXXX since XXXX XXXX, 2016 with no success ; XXXX XXXX XXXX is currently reporting invalid information to credit bureaus agencies I have never rented an apartment from XXXX  XXXX ; I have request Debt Validation and verification on numerous occasions neither companies have replied. Have filed formal disputes with all three credit bureau agencies and somehow they keep sending results back verified. How can they get in touch with anyone when I am using the same contact information listed on reports the phone number is valid the address I am believe to be accurate because no mail has been returned. I know this is not my account and if XXXX can not furnish information to submit debt within 30 days they need to stop reporting/ verified inaccurate information to credit bureaus.

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
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: Dear Sir, I wish to dispute a charge from XXXX XXXX XXXX purchase date XX/XX/XXXX and charged to my account XX/XX/XXXX, for the amount of {$2700.00}. My credit card limit is {$1000.00}. I have not authorized any person to charge any amount on my card over the credit card limit. I found out today that XXXX XXXX, an authorized user rented a car from XXXX for up to 6 weeks and accumulated this charge and after turning the car in was accumulated charges on XX/XX/XXXX for {$2700.00}. I have only authorized my secondary user to charge no more than the {$1000.00} limit on my card as stipulated by Capital One. I asked Capital One representative why they did not contact me on this charge and then requested to dispute this charge which was initially denied. 

I contacted Capital One and asked to dispute this charge which was almost 3 times over my credit card limit. XXXX, I'd number XXXX advised that I could not dispute the charge, that XXXX had a right to charge this to my account. After I advised her to close my account was I able to dispute this charge. Now I have no credit card with Capital One and I finally have a dispute pending and am a senior citizen with a XXXX  XXXX while being XXXX XXXX XXXX XXXX. I had to close my account so no charges over my limit would be charged to my account. I have also requested that a supervisor call me on this matter. Please have someone call me to help me on this matter or email me at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today I received a credit alert stating a new collection account was added to my XXXX credit report. First of all I never received a debt verification letter from this company. Only from my credit monitoring I find out that this is for a cell phone that were returned and that these charges are fraudulent. 
This company never sent me anything regarding this fraudulent account. They are required BY LAW to send me a letter allowing me to dispute this and request verification. THIS WAS NEVER RECEIVED. this company does not abide by the FDCPA.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This credit reporting agency will not update my account status to paid in full. Because this account is paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (LA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My driving record had mistakes on it. Making it difficult for me to obtain auto insurance at a decent rate

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I fill out the form to get my annual free credit report, i give all my information asked i the form to this web page and the last step is asking mXXXX about money charging XXXX dollars and change to give my information. This supposed to be free why asking and getting all my information if this web page will not give me my credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.

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 11-04-2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I received notification on from an attorney on XXXX/XXXX/2016 that my home is in active foreclosure. I contacted PennyMac to work out a payment plan which I had done previously in XXXX but was denied. I was told over the phone that I qualified for the repayment plan, and would be contacted by a representative. I was contacted by XXXX who 's manager is XXXX XXXX on XXXX/XXXX/2016, to start the process of working out the repayment plan. I was also told that foreclosure fees had to be requested from the attorney before this could start. It is now two weeks later and still no foreclosure fees. I do n't feel it is fair that I have time ticking against me, and it is not my fault. The letter from the attorney says I have 30 days to respond this is taking from the 30 days. I feel the foreclosure should stop while you request this sort of stuff. In addition I asked if I should make a payment on XXXX/XXXX/2016, and was told yes go ahead and make a payment so you can reduce the total amount due in your mortgage. Then when I called on XXXX/XXXX/2016 to report I made a payment of {$2800.00} which is two whole months, she said it may not be applied to the account. Why would you tell me to pay and it not be applied. Is this company trying to make me loose my home? I need this foreclosure to stop and be given the amount to reinstate my mortgage ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Can't stop charges to bank account

Complaint: I got a loan with One Main XXXX XXXX. for I think $ XXXX ( Ca n't find statement for initial letter. I have fallen on hard times and called them XXXX/XXXX/XXXX because I noticed that as of my statement on XXXX/XXXX/XXXX I still have a balance of {$1900.00} left. This is ridiculous after all this time. I called the company and explained I could n't pay the loan anymore and to come get my car. The company waited a couple of weeks then called me back and told me the would not come get the car and I stilled owed the balance. This does not seem fair. I am on XXXX and I feel that I am being taken advantage of. They call my phone at least 5 times a day and will not just come get the car

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have requested this creditor validate or verify this account according to the rules and regulations of FTC. As of today, I have not received a response. If this information can not be supplied, it should be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio recovery service us trying to collect an invalid debt

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I initially disputed this account XXXX/XXXX/XXXX with XXXX via XXXX. After the file was investigated it was confirmed that the account was activated at my property XXXX year prior to me buying it. I have proof that I closed on the house XXXX/XXXX/XXXX. XXXX should not report this on my credit report. 

This is a excerpt of the letter I received from XXXX. 

We have investigated your complaint and found our client, XXXX, listed the above-referenced account in our office on XXXX/XXXX/XXXX to collect on their behalf. The account was activated at an XXXX XXXX XXXX address on XXXX/XXXX/XXXX and disconnected on XXXX/XXXX/XXXX. The last payment was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, any negative reporting XXXX made to the credit bureaus was marked for removal as a dispute. 

It appears your dispute regarding the account is with our client. We have closed and returned the account to XXXX, as well as forwarded a copy of your complaint and our response. Any further information or questions regarding the account will need to be addressed to XXXX. 

XXXXAs of XXXX/XXXX/XXXX XXXX is reporting this same account on my credit report again through Enhanced Recovery. Please help put a stop to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. IN XX/XX/XXXX MY IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN XXXX XXXX NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED. XXXX XXXX, XXXX XXXX, TRANSUNION, XXXX, XXXX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR TAX YEARS XX/XX/XXXX-XX/XX/XXXX. HERE ARE MY CONCERNS. 1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I HAVE 19 YEARS OF STATE ISSUED ID FROM ALABAMA 3. I HAVE COLLECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM XX/XX/XXXX-XX/XX/XXXX. HOW IS THIS POSSIBLE IF I WAS IN XXXX XXXX NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL 3 CREDIT BUREAUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I have had a loan serviced by Ditech ( XXXX XXXX XXXX ) for over 3 years. Each year, my escrow account 's funds were excessively short. The rate the impounds were collected at were set by the loan servicer and were not decided by me. I allowed the shortage to be spread with payments the two prior years.
In XX/XX/XXXX, I received a new notice that my escrow account was again insufficient. I 've watched the escrow account 's insufficient balance grow year after year and had enough. I chose to make a payment to Ditech to stop the cycle of the impound account not being collected correctly versus continuing to spread the shortage. It did not appear an end was ever in sight. If you look at the history on my escrow account, it 's relatively static. It does not make sense that it would continually be short, unless Ditech set the impound rate incorrectly from the start. I paid my supplemental taxes on my own. The only escrow activity on tax payments, PMI, and hazard insurance. The payment amounts for these items fluctuate insignificantly.
Ditech gave me the option of mailing a check, which is not how I conduct business in XX/XX/XXXX. On XX/XX/XXXX, I called Ditech and spoke with XXXX. She informed me that I could make an online payment. Because the payment would be applied to principal/interest, she instructed me to send a secure email asking for the payment to be reprocessed toward the escrow balance.
On XX/XX/XXXX, I made a payment with Ditech for {$2600.00}. On the following day ( XX/XX/XXXX ), I sent Ditech a secure email asking for their help with reprocessing the payment. Ditech failed to respond to my inquiry. On XX/XX/XXXX, I sent Ditech a follow-up secure email asking for their help. On XX/XX/XXXX, I received a reply from Ditech indicating my " request is being reviewed for appropriate processing. '' When I called on XX/XX/XXXX, Ditech had no issue attempting to sell me a refinance to my loan. Apparently, responding to routine service inquiries is an issue to Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a number of phone calls at all hours the day and night from Portfolio Recovery Associates , LLC. They NEVER leave what information they are calling about and when you call them back to find out they are rude and do not give you any information. I have also sent them a cease and desist letter on XXXX XXXX, 2015 and they still continue to harass me.

Company response to consumer: Closed with explanation