milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: there 's a company by the name of concord resolutions called me and left a recording on my phone stating that I have limited time to place a statement on file and i called to see what is was about and the guy told me a company I owe wants me to resolve it or they will take me to court and to my knowledge I do n't owe any XXXX I 've been getting these debt collectors calls for months paid them back but now that I XXXX this company and a lot of people has said this is a scam and they been having problems with them I want all of the calls to stop so please what can I do? I 'm tired of giving money to these people and knowing I do n't owe them I just do n't want to deal with the threats and the courts at all

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: In our CPFB correspondences XXXX and XXXX, your company repeatedly claimed that I cancelled the card before the points became available, which is why you could n't give me those points. 

This is not true. 

The points were available when I cancelled the card ( see attached screenshot from XX/XX/XXXX, showing points still being available ). Consistent precedent during my 5 year relationship with Amex and per terms and conditions, already available points do not get taken away on cancellation ( unless there is fraud or returns, which is not the case here ). These points were clearly available as you can see from attached. 

Second, in our correspondence you also mentioned a 6 to 8 weeks review. However, these points were earned on XX/XX/XXXX, and taken away on XX/XX/XXXX, well beyond the 6 to 8 weeks mark. So the review is not the issue here. 

What 's more, if the review showed some issue with spending ( either before or after my card cancellation ), then the miles related to that spending should 've been taken away also ( they were not ). Clearly there was no issue with the spending review, since those miles did not get taken away, only the welcome bonus which again, was already available. 

I understand the XXXX bonus link got public on your end, but that 's not my fault. Your company should honor the terms and conditions of cancellation. Lets resolve this amicably instead of making the process expensive claim notices, third party arbitration and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.

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 04/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo stated that XXXX XXXX holds loan to this loan and when I call they stated that they do not hold this loan and to call Wells Fargo Back trying to remove the PMI insurance on this loan

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 10/25/2017 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: Was not notified of investigation status or results

Complaint: OnXX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. Equifax failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. Equifax did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or XXXX ) were able to verify this negative item and Equifax was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a business credit card from   XXXX   and they used to report it to my personal profile, however, after I disputed it  XXXX  and   XXXX    removed it based on it being a business account however, Equifax still did n't delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Payday loan () with TMX Finance LLC (GA).
Issue: Payment to acct not credited

Complaint: Insta Loan, XXXX XXXX Ga, PROMISED me they would report my payments to the credit bureaus but never have. Their manager still contends they are reporting it but I have never seen it on my credit reports and XXXX says they have not. Insta Loan FALSELY gave me information under pretences to get my business.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from a man stating he was with XXXX about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is XXXX XXXX and not even licensed. They need to be stopped!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WV).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Affiliated Acceptance Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I signed a contract with a local health club when I was XXXX XXXX XXXX. My mother immediately called and sent a copy of my birth certificate. The account was to be closed and I never used the membership. It has been 4 years and I found out this debt is on my credit report. I called the company and they stated that the debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/15 I contacted Senex Services Corp via phone at : XXXX and spoke with XXXX regarding a debt that was paid and still being reported to the XXXX main CRA 's as in Collections. Over the course of XXXX separate phone calls with XXXX I was informed that the debt would not be removed from my Credit Report unless an additional {$100.00} was paid. I informed XXXX that I have a letter dated XXXX/XXXX/15 documenting and confirming the account was satisfied and that my obligation to Senex was complete. When I asked to speak with a supervisor or manager I was told they were unavailable and I was asked if I was going to pay the {$100.00} or not? When I refused, I requested documentation that I owe {$100.00} or why I would need to pay this in order to have it removed from my credit report. I was informed that Senex does n't have the time to generate a letter and would only provide a receipt for the {$100.00} payment in XXXX days. When I kept disputing, XXXX informed me that after speaking with Manager : XXXX XXXX, authorized her to accept {$80.00} from me. I again asked for documentation, I was denied any such. I asked to speak with a Manager and I was told one would call me back but it might be a while. I informed XXXX / Senex that I believe this is illegal under the FCRA / FCDP and that I need something in writing from Senex. They refused repeatedly unless this $ XXXX {$100.00} was paid. Attached is the letter from Senex documenting my debt / obligation of {$300.00} is satisfied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I attempted to get my Transunion, XXXX, and XXXX credit scores. I logged into what I thought was the Transunion site with the understanding that I am entitled to XXXX free report per year from those XXXX entities per federal law. The website asked me for credit card information, which I thought I was providing so it could locate my accounts. It charged me {$1.00}, without taking me through a checkout page. 

When I arrived on the page that supposedly described my credit score, the information was all wrong. It said I owed over XXXX dollars. I owe, at most at any given time, XXXX on credit cards. Additionally, it listed me as having XXXX active accounts. This is also untrue, I would estimate that I have XXXX active accounts, not including my XXXX XXXX monthly bill. It also said XXXX of my accounts is delinquent. This is also false, I am paid up on ALL of my credit cards, and I always pay timely. I had XXXX dispute over a year ago with XXXX XXXX when they stopped sending me my bill for a couple months, and I had to call them three times to get my bill sent so I could pay it. I reported them to the CFPB as well. 

Additionally, once I got on the page of the so called Transunion site that had my supposed score, it had a new heading with some company called " XXXX ''. I never intended to give this company my credit card information. 

The Transunion site does not list my employer whom I have been working for these past two and a half years. It lists me as self employed. It also lists me as having a {$1600.00} balance with something called " XXXX XXXX ''. I have never heard of this entity, I have never been contacted by it, and I do not owe that money. I never signed anything with such an organization or made any agreement. I want this debt removed from my credit report and the rest of my information corrected. 

I then attempted to get my XXXX report and the website told me I had already pulled my XXXX report in the past year, which is untrue and raises identity theft concerns. Moreover, it then told me I could get it for {$12.00} ( Illegal under federal law as I have not pulled that credit report since 2012 ) and prompted me to a commercial website, XXXX. 

Finally, I am listed on the Transunion site as having a XXXX- credit score, in the low XXXX by their system. This just seems improbable. I pay all my debts on time, I have no student loans, I have a steady career where I make {$42000.00} per year, I pay my rent on time, I have never been taken into collections nor have I ever been sued on a debt. This number is bogus and unfair. I want my credit score to reflect that I pay my bills on time and I pay them 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 explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I have a Private Student Loan through Navient. I am paying XXXX dollars a month at a high interest rate. I have tried repeatedly to lower my monthly payment and they have been no help at all. They advertise monthly income rates, and have not allowed me to apply. I feel that the information they have given my family has been vague and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Applied for EQUIFAX free XXXX  XXXX providing all requested information. 
Received email on XXXX/XXXX/XXXX with link " take final steps in enrolling. '' I had accidentally discarded email with link. 
Called EQUIFAX and was told there was freeze ( which I requested ) and therefore free protection was not available without going through unfreeze process. 

I would like promised free protection without expending more time on this. 

Note : when calling EQUIFAX they want full SSN - this form makes clear all they need is last four digits.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: select port polio, our mortgage co or what ever they are now ( use to be XXXX ) kept going up on our payments to we could not make them any more. tried the XXXX, program. sent in forms to them over 6 times, each time they said they still needed this and that, the last several we just copyed and sent back, and after receiving the same application said they had what they needed. couple of weeks later we were turned down. was sent papers by local sheriff ; s dept, to be out by a certain date. later they offered us the cash for keys option which we had to take. because we had no other place to go. now were living in a small camper. I am XXXX, my wife is XXXX, and we have a adopted son that is XXXX. myself and wife are also XXXX and only draw a small amount each month.i know it 's useless to complain, but this company is going back to doing the same thing when they were XXXX capital. after being put out of our home for over 20yrs. I just they could have worked out something with me so I could keep my family in a home and not a camper. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: To Whom It May Concern : I am having trouble to get a problem removed from my credit report.My credit report is reporting late payments on the credit card. I have never been late. I have always made my payments on time. I have tried to correct this problem with the company and the credit agencies and they have not gotten back with me. I have not received no correspondence from neither. I am asking for you help to remove these negative marks from my credit report because it is damaging my life. 

Capital One Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with DISCOVER BANK (VA).
Issue: Loan servicing, payments, escrow account

Complaint: For 8 months I worked with Discover Home Loans on a mortgage. They approved my initial request, locked in the rate and gave me a " close on time guarantee. '' At one point I asked to increase the amount of the loan ( when I was worried my house would n't sell before the new house was done ). I was told that increase was approved. Then my house sold and I requested that they go back to the original amount approved. That was 2 months before closing on my new house. They continually assured me that my mortgage was approved. Before XXXX XXXX, 2015 they knew the closing date of XXXX XXXX, 2015. They failed to close and my family was left without a place to live. On XXXX XXXX they failed to close because their paperwork was not ready. On XXXX XXXX they failed to close because there was an error in the amount of the loan. On XXXX XXXX they failed to close because they had the wrong zipcode on their paperwork. On XXXX XXXX they failed to close because they could n't get their work done. On XXXX XXXX I borrowed from my retirement plan and settled on the new home -- because my family was left homeless by the " game-playing '' and failure to follow through of Discover Home Loans. I want everyone to know of the nightmare they put me through. I have extensive documentation to prove what I am saying. The settlement company said they have never seen a customer treated so badly. This was abuse and something should be done to stop them from making promises they ca n't keep. The " {$1000.00} guarantee '' that they will close on time is worthless because they only pay out if you stay with the abuse and close with them. It is a racket and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Supplemental complaint, re # XXXX. 
XXXX County Recorder 's website shows NO recording of Trustee 's Deed for my property located at XXXX XXXX XXXX, XXXX CA XXXX. The Property is still in my name. 
As told before to CFPB, in my complaint XXXX - the buyer / investor who purchased the property at auction through XXXX on XX/XX/XXXX did not post the Notice of Sale giving me 72 houses to remove my belongings. My belongings were removed by a crew on XX/XX/XXXX using a dump truck. I saw the crew on the property. 

My previous complaint to CFPB demanded XXXX dollars for the illegal seizure of my belongings, failure to post the Notice of Sale giving me 72 hours, and failure to provide me with a list of my belongings that were taken. 

Since the County Recorder website does not show a Trustee 's Deed, BUT only a Notice of Trustee 's Sale - Document Number : XXXX Number of Pages : XXXX Recording Date : XX/XX/2016 Cost to Buy : {$7.00} Add {$1.00} for certified copy : Buy Now Document Type : NOTICE TRUSTEES SALE ALTER CHARITO XXXX XXXX The utter and continuing failure by Wells Fargo to complete the paperwork, means that I am considered by the County to still be the owner of the property. If so, I have grounds to claim that Wells Fargo or its cohorts are responsible for trespassing and illegally removing my personal belongings.

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 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Co signed loan for nephew. He repeatedly fails to pay. XXXX had his employment and contact info but harass me daily with calls every 1/2 hr. How can they be forced to contact 1st signer and make repayment demands?

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I was paid by the maker of a check drawn from a XXXX account. I deposited this check into my Chase checking account. Chase transferred the funds from XXXX to Chase, but refused to credit my account. In addition, they have now frozen and closed my account. They have refused to provide any explanation as to why they have done this. They also refuse to contact the maker of the check, or XXXX. The result : 1 ) the maker has had the funds withdrawn ; 2 ) I do not have the funds ; 3 ) Chase refuses to make these funds available to me. I believe that Chase has committed fraud. I have contacted Chase by phone and in person and they refuse to provide information of any kind to me.

Company response to consumer: Closed with explanation