milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Had a business credit card and business assets with wellsfargo. Small business. The company folded at which time we found an employee had run up debt on the credit card. Was called several times by wells and we explained we were pursuing compensation for the debt and selling assets, but we had to resolve before we pursued. Was advised to hold off paying. Lawyer filed paper work with Wells branch explaining the situation. Wells debt collector called and said they had to be paid. I said I needed to speak to my attorney and would get back to her on how we thought we would resolve. After that phone call the agent withdrew the money from XXXX of the partners wife 's account. He has a separate account at a separate bank. When I called the debt collector she said she was angry because I hung up on her and she could do what she wanted. 

I asked for name or agent number she refused to give. Asked to speak to her manager and he also refused to give a name or agent number. Advised we would be removing all accounts said they did not care. 

Called the branch and they had the paper work filed by lawyer but apparently had done nothing with it.

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 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted XXXX and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling transunion to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a report to equifax that a major delinquency on a loan with XXXX XXXX XXXX that has been discharged in a chapter XXXX bk was reported on XX/XX/2009 after my XXXX 2009 discharge. They reported first major delinquency on XX/XX/2009 bankruptcy was discharged on XX/XX/2009. My understanding is : " What Can not Be Reported However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ). Equifax said it was reported correctly. It should NOT be reported at all. I have attached my XXXX 's 2009 statement of the payment being made even though it should not be reported as delinquent after chapter XXXX discharged. I attached the Equifax document of the response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DC).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: PNC Bank enrolls members using checks in a service that automatically reorders checks once a certain amount of checks from the previous order are used.
I received my last batch of checks at my then current address. In XX/XX/XXXX, I moved to a new address. I subsequently updated my address with PNC. I inquired at the time and was informed that the change of address would apply to all products across the account and there would be no need to make any further changes or updates to my information.
In XX/XX/XXXX, I wrote the last check from the previous batch. I stopped into the local branch to inquire about re-orders and was told that a re-order had been placed on XX/XX/XXXX. On XX/XX/XXXX, with no checks arriving, I checked the website, which said no reorder was pending.
I then contacted PNC 's customer service, who informed me that no reorder was pending, because checks had been re-ordered inXX/XX/XXXX. Those checks, I was informed, had gone to the previous address, despite changing the address on the account over a year prior. I was told that a letter ( not certified mail ) had been sent to my current address confirming the order. I did not receive a letter. I was also told that it is the bank 's practice not to update the address on check reorders except specifically in reply to that letter.
PNC did not track or confirm receipt of the checks issued inXX/XX/XXXX. There are now 100 checks in my name, with my account numbers, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check numbers for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing security risk to the account. PNC was not able to offer any other solutions.
PNC 's practice of retaining addresses they know to be outdated for check orders is troubling, as is the failure to provide any sort of verifiable confirmation of reorders or verification that checks mailed are received. Even more troubling is PNC 's inability to mitigate their own negligence with regard to checks that remain active and unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: Citimortgage holds this mortgage. My escrow payment this year is {$840.00}. The escrow balance is {$800.00}. The account is terminating at the end of this year and no major payments are due until after it has terminated. The current escrow balance is enough to pay the flood insurance, the only payment due during the remaining life of this mortgage. I want to get the escrow payments removed since there is no need for them and I do n't know how long it will take to get the escrow reimbursed. I talked to someone at Citimortgage and she told me that this should be no problem but later they refused, claiming some rule at XXXX XXXX. I do n't believe this - it must be a trick to keep the use of the money for a few months. I checked the XXXX XXXX website - they do n't normally require the an escrow more than five years. In any case, what possible rationale can there be for collecting escrow payments when nothing is due? I have attached the latest escrow calculation and a document showing that the mortgage ends in XXXX, 2017.

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 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Real Time Resolutions is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. Real Time Resolutions ( RTR ) is claiming to have an installment loan I previously had with XXXX. This installment loan was previously sold to a different collection agency ; XXXX. Real Time resolutions is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. RTR has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I bank at fifth third bank. I pay my bills online. Today my available balance is {$2400.00}. My bank summary says i have {$240.00} in pending transactions. But I know better. I must go further into my account under the pay bills tab to see that {$2000.00} in bills were paid online today, and are listed as paid. This money is not included in available balance, posted transactions or pending transactions and makes my balance seem higher. When I tried to contact them through email I got an error message so I thought I 'd let you guys know. It seems like they are misleading people about their balance by leaving out PAID monies from available and pending balances. I do n't doubt that they have covered themselves legally but the numbers are very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : XXXX, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Equifax refuses to make the adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: XXXX weeks ago I lost my debit card. Went to the local bank branch where they informed me there was an alert of a XXXX card ( possibly cloned ) being used on my account. the card was replaced and a fraud dispute filed. XXXX hours later I was advised my dispute was denied without contacting the merchants because my husband and I had logged into our account either online or through the mobile app and not caught the fraud ourselves. I escalated the issue to a supervisor who said they would reopen the fraud case and contact the merchants. chase has a 100 % XXXX liability advertising which they did not live up up. they also advertise they guarantee to have a credit placed on the account by next business day. waiting XXXX business as they requested to look into the issue, they denied our case without contacting the merchants saying the log in issue was good enough and if we did n't like it to close the account. this is a dispute over {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 formerly requested that both XXXX and XXXX remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and XXXX, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.

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 10-12-2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A XXXX XXXX from Oracle Financial Group called my husband about 10 days ago threatening a summons and lawsuit. I called the number back and spoke with a XXXX XXXX. I advised XXXX XXXX we are in the process of filing Chapter XXXX Bankruptcy. He stated they were closing the case. Today, this XXXX XXXX called again making the same threat about the same payday loan that my husband took out several months ago. In my original conversation with XXXX XXXX, about 10 days ago, I gathered sufficient information to confirm their tactics are designed to frighten a person into paying a debt. We have received no written communication about this debt, which is quite small, and I offered an email address so the communication could be sent to us for review and so that we could pass it on to our attorney. At that point, XXXX XXXX backed out completely stating they were closing the case. Now we get another call today. My husband is XXXX and quite ill. This call frightened him considerably. I am not calling them back, on the instructions of our bankruptcy attorney, but I find their tactics deceitful and dishonest. There is no summons, etc. because they do not even have our correct address. They 're just trying to frighten us into paying them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. 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 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:XXXX XXXX XXXX XXXX they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
XXXX XXXX Mortgage company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another XXXX and I gave them the account number, they never bother to contact me when the XXXX payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, XXXX months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
XXXX XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquentXXXX- the new employment - XXXX XXXX XXXX who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much XXXX XXXX : XXXX account which I am not aware of at all, I never received a bill or an email from these companies, even

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: After undergoing several hardships over the past XXXX year to include family XXXX, my XXXX XXXX XXXX XXXX, several treatments of XXXX, to include a XXXX XXXX XXXX and subsequent hospitalizations from being ill, I fell behind on my mortgage. In pursuit of obtaining a loan modification and placing the arrears on the end of the loan, I hired an attorney to represent me in saving my home from foreclosure ; however, I was not notified of the foreclosure until after the sale. 

Currently, I am still undergoing treatments under hospitalization and enduring a significant amount of stress from not knowing the current status of my home. I have repeatedly called the lender ( Bayview Loan Servicing ) and XXXX XXXX and have not received any concrete information from them but have subsequently received an " IMPORTANT NOTICE ABOUT EVICTION '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Federal student loan debt) with Penn Credit Corporation (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Daily calls four times a day. I spoke to PENNCREDITCORP at XXXX to stop calling me. They started calling more. 
I got calls yesterday at XXXX, XXXX and XXXX. It rings and then stops right away. It shows up on my phone whos calling but if I look up recent calls it doesnt show up. This is very annoying and has been going on too long. If this isnt resolved I will contact the police and report them. 

I dont have a debt with this company or any other company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Payday loan () with FastBucks (NM).
Issue: Charged bank acct wrong day or amt

Complaint: Fast bucks made a draft check submitted to my bank account with out my ok they paid loan off {$480.00} i was not notified about this transaction my bank information was not to be used in any form of payment! i was only One month late i always paid on time with debit card or cash called fast buck employee said district manager would call me back and she never did!! So wrong! thank you! also filed complain with bank they are investigating also

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation