milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First of all I requested a copy of my report from you you gave me a username and a password which I have attempted to type in five times and each time it tells me it 's wrong there 's no way I made a mistake 5 times in a row the report is beyond inaccurate I mean most of it is wrong I have no idea where you 're getting your information.
First of all you list a lot of different addresses most of them I have never lived at the only address that is correct is the one that you sent the copy of my report to XXXX XXXX XXXX XXXX XXXX Michigan XXXX never lived in any of those other addresses you have my date of birth wrong my date of birth is XXXX/XXXX/XXXX phone numbers none of these phone numbers belong to me my phone number is XXXX XXXX names you have listed XXXX that 's a nickname and not my legal name and not what I use for any type of credit card my legal name is XXXX XXXX XXXX. 

I was a victim of identity theft all other the other three major credit bureaus do n't have any of these negative accounts listed all of this has been resolved quite some time ago your company is very much out of the loop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the accounts listed above belong to me some of them I 've never seen in my life others as I alluded to before were part of the identity-theft that have been removed from everybody else 's report not sure why you still have them and then there was the accounts in good standing which the information is not correct you do n't have payment information or credit lines are so many mistakes on this report it 's unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FINEX Group LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, I sold A van I owned. I sent the release of liability to the DMV the same day I sold the van and that was the last I heard. On XX/XX/XXXX I received a notice from a collection agency for tow fee 's, this was the first I was notified of any issues with the vehicle I sold. We 've had a problem in our neighborhood with mail being delivered to wrong address or not all so i 'm not certain that the tow company mailed me something as the collection agency claims as they have not provided any proof of that mail ever coming to me. On XX/XX/XXXX I sent a written letter along with supporting documentation that I sold the car back in XXXX. The collection agency responded and I received a letter on XX/XX/XXXX stating my dispute was not valid and a copy of tow paperwork stating the car was sold for {$170.00}. They are telling me I owe {$1700.00} for storage for a vehicle I clearly sold and have proof I sold it. The collection agency tells me it the tow was for a police impound and where the car was towed from is in close vicinity to the person i sold the car who is listed on the bill of sale. I 'm not certain what happened when I sent the release of liability to the DMV as the car had XXXX License plate I 'm not sure if XXXX forwarded to document to XXXX. What I am positive of and under penalty of perjury I sold the car and followed the steps I needed to take to remove myself from liability. I even cancelled my car insurance. I accepted a job as a flight attendant and moved out of the State of XXXX in XXXX of XXXX. The collection agency told me I need to pay the debt and then sue the person I sold the car to in small claims court. That sounds to me like a sold a car for {$100.00} and now owe {$1700.00} plus small claims and I will be out all that money. This does not seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Locked out of TD online banking

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Although I am behind on my mortgage payments, I have been making payments to attempt to bring the loan current. As of my most recent statement, my servicer, Wells Fargo, has inserted a new category, " payment reversal '' to the payment and disbursement summary. My two most recent payments are now reflected as " unapplied funds '' which include P & I, late fees, as well as escrow payments. 

Today I received a packet via FedEx concerning a loan modification. I have never asked for a loan modification. Further, today I was contacted by a notary who represented herself as an agent for Wells Fargo who seeks to notarize the loan modification. 

This is the second time the FedEx/notary " push '' has been tried by Wells Fargo, although the " payment reversal '' is a new element, seemingly to make my mortgage appear more delinquent than it actually is. 

At the first occurrence, in XX/XX/2016, I made it clear in a phone conversation to WF customer service, that I was not interested in any sort of loan modification program. I was told at that time that it was an " opportunity '' prompted by my lender XXXX, but this tactic seems to be an attempt to force this " opportunity '' as a fait accompli.

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 04-07-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/27/2017 about Debt collection (Federal student loan) with Account Control Technology, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 'm XXXX year old XXXX female with the only source of income is my dead ex-husband social security check. I did n't received Any information related to the Account Control Technology Inc. 
was in Florida for 3 month. I has a death in the family. When I received the information the {$300.00} was already being taking from my social security. I made a call to US Treasury but I could not change the amount. I can pay something or work @ a federal or government for free to help pay off this dept. as an off set. ACT Were taking {$300.00} of my money out of the social security check. 
The Principal balance {$13000.00} {$2600.00} is interest. To pay {$3900.00} for a collection agent is horrible. It is almost like the Gov, is being a crook. I ca n't afford this {$300.00} payment. Nonetheless. How can US Treasury allow a collection agent to take From my social Security. I will have drop my XXXX which I pay {$110.00} to afford Rent, Utilities, Food, and Transportation. 
XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Payday loan () with Enova International, Inc. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with Green Tree financial since XXXX. I have applied XXXX times for the HAMP program. They repeatedly loose my paperwork and refuse to give me any information. Basicly they make it impossible for you to take advantage of the HAMP program. They told me if I made XXXX more payments to my mortgage I would qualify for the HAMP program. I made the payments and then the denied me the loan modification. I have been working with XXXX XXXX bu they have not been able to help me. They send some other loan modification paperwork which would stretch my mortgage from 15 years to 40. I really need help before I lose my house. Also, they have harassed me repeatedly by phone even through my bankruptcy. Thanks for your time. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OpenRoad Lending (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- IXXXX XXXX XXXX 2- OPENROAD LENDING One hard inquiry on XXXX ; 1- XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: So I had this account and when i cancled they stilled charged me. so i ignored them which didnt work in my favor ; they reported to my credit. the company at the time was XXXX XXXX XXXX who contacted me and offered a settlement in XXXX which I Paid off. since then it has been sold to other agency 's that are still reporting unpaid. when I contact AWA they cant provide documentation of this account and are very rude on the phone. Now this account has been paid for XXXX years now and would appreciate if they would report as such and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: on XXXX/XXXX/16 i initiated a dispute. The dispute included the following accounts : XXXX XXXX XXXX # XXXX Federal Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX On XXXX/XXXX/16 I received results indicating that the XXXX XXXX account had been deleted. Subsequently the same account with the same amount due and the same original creditor was reinserted to my report and without notification. It appears that the collection agency is attempting to re-age the debt and change the account # even after the account was deleted. This is a direct violation of the FDCPA as well as the FCRA and should be immediately deleted. Whats more the Transunion consumer representatives continue to deny that the account exists. However, it still remains on the file. 

As to the XXXX tax liens i contacted both the XXXX XXXX County Recorder and the Clerk of the Superior Court of XXXX XXXX and they indicate that they do not respond to investigations from credit reporting agencies. The responsibility is on Transunion to verify the accuracy and completeness of the items they are investigating. There is no possible way that Transunion could have obtained the legally required verification. This is a clear FCRA violation.

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 07/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX, XXXX and Transunion, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have filed BK and it was discharged I put in a complaint with CFPB and was closed by you I have documentation proof my student loan was discharged

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 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX has sent XXXX letters threatening with arrest for not paying XXXX citations issued by the XXXX of XXXX, Texas. I have never received any citation neither from XXXX or any other place. Said citations were issued to a person with a similar name to mine. I contacted the XXXX of XXXX after receiving the first letter, they asked my birthdate and was informed that the person receiving the citations had a different birthdate. I contacted the aforementioned law firm and informed them of that fact. Today, XXXX/XXXX/16 I received another letter threatening with an arrest and cancellation of my driving license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX ,  XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XX/XX/XXXX  To Whom it  May  Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   Equifax    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing    XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX    Auto Financing   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX        XXXX   XXXX    Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX      National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     National Credit Card Cos.       XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX       National Credit Card Cos.        XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    Television & Radio    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   T elevision & Radio   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX    Miscellaneous Reptg. Age ncies    XXXX   XXXX      XXXX   XXXX   XXXX        XXXX   XXXX      National Credit Card Cos.        XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX     National  Credit Card Cos.      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX , Tire Dealers   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Personal Loans Cos.    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My loa n is   XXXX   XXXX   o wned. my home mortgage is serviced by Ditech. i have countless issues with Ditech and their practices. i applied for a streamline refinance with Ditech. was told over phone by loan processor i have eligibility that is to expire soon. but received letter on  XXXX / XXXX /   2017  Ditech denied application, refuses to return phone calls. i have left countless messages with my loan processor. no response, no explanations given. very un satisfied. Ditech is not practicing under the rules and guidelines set by   XXXX   XXXX  . my application for streamline refinance was unlawfully denied. Ditech does not adhere to laws, guidelines, nor regulations set forth by federal laws or state laws. Ditech Services is inadequate and of no benefit to its costumers. Ditech business practices is harmful to homeowners and destructive to the industry. Ditech has violated my homeowners rights and is not adhering to housing regulations laws. Ditech has not followed   XXXX   XXXX   guidelines. Ditech mortgage needs to be investigated and licences revoked for deceptive fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion continues to report inaccurate information my credit report even after sending them supporting documents. 
For some reason Transunion did not remove it. I 'm a little confused here. How is it that the other XXXX bureaus removed the inaccurate information and Transunion did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other XXXX bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate.

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 05-03-2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other

Complaint: My credit card company, Wells Fargo, does not state an end of a billing cycle date. I have been told by customer service that the billing cycle is 30 days, most months. Since Wells Fargo does not list which months will not have a 30 day billing cycle, I do not know the exact date of the end of a monthly credit card cycle. By not disclosing the exact end date of a billing cycle it is difficult to manage my expenses.

Company response to consumer: Closed with explanation