milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my personal, sensitive information, and now I have been identified as potentially at risk, due to a security breach. 

This is a very real, potentially life-changing issue, and I want to know how equifax will be held responsible to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The auto loan debt was sold by Hyundai Motor finance to XXXX XXXX XXXX on XXXX 2016, They accept settlement agreement to pay off the account. 
I made the payment in full and they advised after payment clear, they will will reported as paid and XXXX balance. 
they confirm that payment was forwarded to hyundai. this original creditor is reporting to equifax that a have balance of {$510.00} I disputed couple time to hyunday that account has XXXX balance, they refused to report correct information. 
The satisfaction letter have been forwarded to hyunday. 
They acccept my payment, they must remove the balance as account is considered paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Payday loan, title loan, or personal loan (Payday loan) with LDF Holdings, LLC (NC).
Issue: Struggling to pay your loan

Complaint: I applied for a {$500.00} loan on XX/XX/XXXX. My payments started on XX/XX/XXXX, I paid {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX, {$130.00}. I skipped the next payment. I paid another payment on XX/XX/XXXX, and my last payment was on XX/XX/XXXX. I paid a total of {$910.00}. Every now and then I would call and check my balance which seem not to be decreasing at all.. Loan at last has been reaching out and I told them I was not going to pay anymore money. They offered me a settlement for {$470.00} and I could pay {$150.00} in installments and the account would be closed. I fell as though they have gotten their {$500.00} back already. 

This has put me behind on my bills and now I am trying to play catch up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called to have my Co Sign removed on XX/XX/XXXX, they told me I had to fill out an Application and that it would take two days to email it to me. I found that strange considering it should be instant to email a customer a document. I waited and on the second day I received nothing. So I googled it and found the application on their website. They did n't mention I could do this at any point of the conversation. The form requires proof of citizenship, meaning I have to track down a copy of my birth certificate. How do they not have record that I am a citizen sense I have been doing business with them sense XXXX and needed to provide my birth certificate back when this all started. They also need proof of graduation, yet they did n't require this to start billing me 6 months after I graduated, I have been a graduate working on this loan sense XXXX and they had to know this. Now I have to track that document as well. I called them on the second day, the day I was supposed to get the emailed application. The hold was a few minutes, once I told the rep I needed help with the co sign release application I has told I needed to be transferred and the hold would be three minutes. Three minutes later they told me the hold was going to be a bit longer and offered a call back, I decided to wait. I was on hold for well over an hour. When I called on XXXX my hold was two minutes, by XXXX it became over an hour. It seems like every time I try to do business with this company they put as many road blocks in my path as possible. They provide miss information to hold you out as long as possible. They do n't seem to want you to be successful. Your struggle is their profit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had placed a mobile deposit of my payroll check with my cell phone. Wells Fargo had sent me an email saying that my deposit would be delayed. Because it was a mobile deposit I did not think much about it and checked my bank the next day. Funds were not available and the deposit was showing as being held. I called Wells Fargo customer service to inquire and they told me that they had reported my mobile deposit as potential fraudulent activity and that my own funds from my paycheck would not be available for 7 to 10 days. There was nothing that would have indicated the check was fraudulent. The check was made out to me and Dorst by me and was from my work. Now I will have no paycheck for 3 weeks since I am paid bi-weekly. How am I supposed to live and pay my bills? Nobody at Wells Fargo could help me or cancel the deposit and it seems unscrupulous than I am being held hostage by a financial institution. I have no recourse and nothing that I can do.

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 12/17/2017 about Debt collection (I do not know) with Midwest Recovery Systems (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Midwest Recovery Systems, XXXX, posted a trade line on credit reporting agencies for a debt not owed to XXXX. Midwest Recovery Systems, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm currently in the process of rebuilding my credit and have been combing my reports when I came across a collection for an old Internet account back in 2011. I filed a debt verification letter with the collection agency at the XXXX of this month. I received a response the following day, during which they said the account status had been updated and it was placed in an " investigatory status. " When I checked my credit reports XXXX XXXX, my XXXX report shows this debt meets the guidelines set forth by FCRA. On my XXXX report, it shows the debt as being disputed. First and foremost, I never actually disputed the debt. I simply asked for a verification of the debt. 

I called to speak with the original creditor this morning, giving them the account number listed, my social security number, my name and former address the account was listed under and every other piece of information needed. After spending more than XXXX minutes on the phone with them, I had XXXX separate account receivables professionals tell me there is no record of any account or debt with my listed information in their system at any point. 

That tells me the collection agency simply ignored my debt validation letter or rubber stamped it because the original creditor does n't have anything listed for my account.

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 09-12-2016 about Mortgage (FHA mortgage) with ACADEMY MORTGAGE CORPORATION (UT).
Issue: Credit decision / Underwriting

Complaint: I entered into a real estate purchase agreement with XXXX XXXX in XXXX 2015 and was asked to use their preferred lender Academy Mortgage. During our due diligence period I met with XXXX XXXX of Academy Mortgage and was told that we were pre-approved for the purchase of the home. During that escrow period as the home was being built Academy informed me that they were not financing the home anymore. When I confronted them about the pre-approval and what changed they stopped communicating with me. XXXX XXXX the broker for XXXX XXXX who also committed to representing me in the transaction and is XXXX XXXX 's brother brushed the transaction aside to protect his brother. When confronted about the pre-approval that they both referenced in conversation with me they denied its existence. So our lender XXXX Mortgage gave a bogus pre-approval and then the paperwork is conveniently lost. And our realtor who confirmed the pre-approval and his confidence in closing the home because of it denies its existence and can not find the paperwork. 
I went to XXXX other lenders and everyone said that the pre-approval was garbage, I am self employed and the business is less then two years old ; so any pre-approval would have been drastically out of industry standards. 
We are out 8 month of time and {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive documents from the original lender, the original would not respond because the account was sold. 
After many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/2015 Complaint XXXX Follow-up : Dear Vice-President, I received your letter informing me your offices were trying to contact me regarding my complaint to the Consumer Protection Services about my Loan Modification. 
I disagree with Wellsfargo because my loan Modification took too long was wrongly completed by extension to 40 years? Monthly payment application are very wrong with interest and Principal!!! 
Loan Modification is NOT refinancing loan & is mandated by Govt to assist home owners in trouble, My payment should reflect 70 % payment towards Principal and 30 % towards Interest or worst case equal amount to Principal & Interest after Escrow deduction as was the case previously but this greedy wicked bank is trying to extort unreasonably. 
How can ONLY {$41.00} be Principal with {$180.00} interest out of {$400.00} - I have paid Wellsfargo Bank over {$130000.00} on a {$72000.00} loan over the past 19 years!! 
I am demanding immediate review & correction as stated of my Loan Modification at worst. Thank you, XXXX XXXX XXXXTel : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

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 10/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Problems caused by my funds being low

Complaint: I am a victim of the bank restructuring debits to maximize overdraft fees. 

I had an ACH transaction process on XXXX/XXXX/16 for {$1000.00} it was initiated on XXXX/XXXX/16 at the company 's website. I made a debit purchase on XXXX/XXXX/16 at XXXX for {$27.00}. When I got home I checked balances at XXXX XXXX/XXXX/16 I saw both ACH and debit I had an available balance of {$26.00}. I took pictures of screen with date and time stamp. 

On XXXX/XXXX/16 I was charged a {$35.00} overdraft fee for ACH debit and {$27.00} for debit total - {$65.00}. 

I opted out from overdraft fees. The balance should have shown a negative balance so I could have corrected it at XXXX or if it was the ACH debit which overdrew the account the {$27.00} debit should have been declined at the store. I was led to believe everything was fine with the {$26.00} available balance being shown with both debits. 

They are ripping consumers off.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a co-signer on a loan that is with Navient, formerly XXXX XXXX. When XXXX XXXX was in the picture, everything went very smoothly. When Navient took over is when all the trouble started. I have paid off many student loans in the past 20 years, never missed a payment and never had any problems. In XXXX I contacted Navient to get my payoff balance and the lady gave me my amount and said it would be good for 6 days. I immediately wrote my check for that amount and mailed it in. I track my accounts very closely so the amount I was given on the phone was what I was expecting. A week later, I got on line and checked my balance and to see if my check had processed. My check did process and was applied, but my balance was not XXXX, instead it was {$29000.00}. I immediately called them knowing this was just a clerical error and would be cleared up easily. I was told that it was my correct balance and that I now owed that much. Of course I was not going to leave this alone because I kept very accurate records. Very long story short, It is now XXXX, the problem is still not resolved. I have been passed back and forth between many of their departments with no clear answer as to why my balance is such. I 've been ignored when I try to press the issue and demand that someone research my account history. Once I was told that the change in my balance was done internally and I had no choice but to pay it. I challenged that statement and was passed back and forth between departments. The last contact I had with them was almost a year ago and I left a message for someone to call me back and I also sent an email to a contact I had there asking them to call me back. Til now I have not heard back. I am tired of trying to track someone down that will give me a real answer. Meanwhile, I know that I have paid this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I live in the state of Florida, and have an agency contacting me on a debt in the state of NJ, not incurred by me. I have had a lock on my credit due to identity theft for about 3 years, provided these folks with proof of residence etc. and the last straw was when NCC Business Service, who 's tarnished my perfect credit with a balance of {$1500.00} contacted my place of employment, where I 'm a XXXX with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on my credit report it shows XXXX/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Yes there was a transunion glitch everything was taking off then added back, and by law once something is removed you can not add it back to a customer credit report, i was not notified in writing these thing would be added back to my credit report and this is against the law.. your company has broken the law, per frca section 611. 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 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently reviewed my XXXX Credit Report and viewed that AFNI, Inc. placed a collection record on my credit report. I tried communicated with AFNI, Inc. and was unable to resolve the matter. They are alleging that I owe {$550.00} to XXXX XXXX XXXX. I requested a validation of debt and which they are not able to provide me. I have filed XXXX complaints with CFPB with XXXX prior Debt Collection Agencies trying to obtain this amount that I do n't owe. I do n't have XXXX XXXX XXXX XXXX. The case # are XXXX Sunrise Credit Services and Case number : XXXX Receivable Performance both Debt Collection Agencies replied that they cant provide the validation of debt and immediately removed the record from my Credit Report. The reason why they cant provide the validation of debt is because I do n't have one. It is obvious that these debt collection agencies play games and pass these alleged debts to one another in attempt to collect money that is not owed. AFNI , Inc. is proof another debt collection playing in this game and using threatening and scare tactics to collect money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Failed to notify of debt, paid debt and will not remove debt from credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 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: Old information reappears or never goes away

Complaint: Experian mailed me a credit report dated XX/XX/XXXX. I went online to dispute a charge and noticed 2 collection accounts with XXXX XXXX from XXXX that had been removed 4+ years ago reappear or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report from 4+ years ago. Hence this item reports to fall off my report XX/XX/XXXX. This now bring my score down lower. I ask that you please review my case and have Experian remove negative collections from my report only to reinsert years later without notifying consumer.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed numerous complaints against Transunion. They keep lying and saying they are verifying account information on my report without telling me who they verified with. I sent them proof that my student loan was not late in  XXXX     2017  as it was in forbearance. They updated my payment status, and I sent them another letter to verify the other  XXXX  payments that they have listed late. Instead of them actually verifying, they just updated my payments again to show late in  XXXX . AGAIN I am attaching documents directly from  XXXX  that shows my account was in forbearance! Transunion needs to be held accountable for lying and telling consumers they have verified information, when in fact they have NOT!

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 07-05-2015 about Consumer Loan (Vehicle loan) with BANK OF THE WEST (NV).
Issue: Problems when you are unable to pay

Complaint: I am disputing the debt of a voluntary repossessed vehicle. 
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: The rigmarole continues. The banks are ready and able to lend a helping hand. Just ask ... ... but its a F, F, F, F, F Farcical. Wells Fargo is a House Preservation Farcical. 
Attached after 2 years of document submitting rigmarole of my demise. 
1. Doc XXXX letter says thanks for all the docs ( in my case a lot ) 2. Doc XXXX " Sorry you do not meet the requirements because you failed NPV '' ( AS IF I CAN GO ELSEWHERE AND REFINANCE -- NOT!!! ) 3. Decision letter after appeal " you still do not meet the requirements for loan modification '' ( HOWEVER, I DID OBTAIN MODIFICATION ON MY OTHER PROPERTY!! ) Is there a different game being played at Well Fargo?? XXXX HOW CAN I QUALIFY OVER THERE BUT NOT OVER HERE??? WHY IS WELLS FARGO DRAGGING THIS ON CAUSING MORE GRIEF?? All I ask for is fixed rate loan modification with a reasonable low rate. A real modification that is not abusive by jacking up the overall loan amount. I am at no fault the entire banking system crashed and still broken. To dance this dance another 20 years I just need a LOW FIXED RATE!!!! WELLS FARGO IS NOT TAKING INTO CONSIDERATION MY COMPLETE FINANCIAL EQUATION OTHERWISE I WOULD HAVE THE MOD ALREADY!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation