milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been contacting Equifax and  XXXX   XXXX    XXXX   XXXX   for the last 5 months in order to correct information on my credit report. Equifax is the only credit reporting agency that is reporting  XXXX  accounts with  XXXX   XXXX    XXXX   XXXX    XXXX  account is for the amount of {$1200.00} and the other account is for {$500.00}. They are both debt to  XXXX   XXXX  in California.     I 've spoken with  XXXX   XXXX    XXXX   XXXX   multiple times and they have confirmed that the only information for those  XXXX  accounts that they have is my name. No other information included DOB, address or SSN match their records. I then have tried to file a dispute with Equifax, nearly twice a month and they continue to claim it 's valid. I 've informed Equifax that I 've spoken with  XXXX   XXXX    XXXX   XXXX    and they have confirmed with me that those  XXXX  accounts do not belong to me.     Every time I call Equifax, they will only file a dispute and refuse to assist me further.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have attempted to remove incorrect account information on 3 separate occasions, including in writing. The result state that the Credit Bureau has verified and the item in question belongs to me. I have asked for that proof. I have not received any proof that this collection account is mine. The FCRA specifically states that you must provide proof that this account belongs to me. I do not owe this debt and I am certain you will not find my signature or authorization for this account. I have stated that my name is similar to many and my identity has been confused with other similar names. If this account is not resolved within 30 days I will pursue additional litigation and request the state attorney general to include my case with their investigation and pursuit of criminal pursuit against your bureau and credit reporting agency. 
XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX/XXXX/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I canceled my credit card with Fifth Third Bank. Then due to a scandal with XXXX they re-issued a card to me without my knowledge and started charging me late fees, over the limit fees and other fees. Now they are threatening to send me to collections and repossess my car until I pay the fees. There is no record of this card and the credit card number does not match my cancelled card. I think it 's a scam, when I have paid the minimum fees there 's no record of the payment, I do n't understand where my money is going? This company is a fraud and I 'm tempted to sue them for the inconvenience and troubles it 's caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Barclays has surreptitiously re-aged the debt purportedly owed to them. Barclays reported to the credit reporting agencies that payments were made at sporadic dates in XXXX, in an attempt to extend and/or circumvent the Fair Credit Reporting Act requirement that debts older than seven years must be removed. The alleged debts owed and reported are older than seven years. 

On XXXX XXXX, XXXX, I received mail from Barclays about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ] .I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to Barclays to provide me with the following : 1. the amount of the debt ; and 2. proof of the last payment made on the account. 

Barclays did not provide me with any of the information requested.

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 05-11-2016 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Customer service / Customer relations

Complaint: I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I  XXXX   XXXX   XXXX  an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for  XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of  Ally  's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had  XXXX  and had to get  XXXX  for it and fell behind on his payments because of this. I advised the agents that I go back to work  X/XX/2017    and will be able to make a payment on  X/XX/17   . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the  XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for  Ally  bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I sent my mortgage payment in for XX/XX/2016, on XX/XX/2016 Ocwen received my monthly mortgage payment for XX/XX/2016. On XX/XX/2016 the check cleared my bank account. My monthly payment breaks down as : Check # XXXX ... ... total amount due for mortgage payment is {$1200.00} ... ... total amount I sent to Ocwen for XX/XX/2106 payment {$3000.00} ... ... I specified clearly on the check and on the monthly payment coupon for XX/XX/2016 sent to me by Ocwen, that I would like {$1800.00} to be applied to the PRINCIPAL payment of the loan and the rest {$1200.00} is for the XX/XX/2016 monthly payment. [ now out of the {$1200.00} there is a portion of that, that goes to the principal ] On XXXX I logged into my account on line and noticed that Ocwen failed to properly distribute my funds correctly. As you can clearly see, Ocwen applied all of my funds to the principal and nothing to the monthly payment. Since they have done this my account now shows that I still owe for XX/XX/2016, and in reality my account should next be due in XX/XX/2016. Yes, I am one month paid up on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (ID).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended  XXXX   XXXX   XXXX   XXXX  at which time I had taken put student loans. At the time i was empoyed with a position that paid higher than i would have received following completion of school. I was able to do a deferment a couple times, then became homeless for some time. I tried to set a deferment based on my circumstances. However it was denied becuase i had already defaulted. For a year p r two i  was receiving statements from   XXXX   XXXX  ,  XXXX  And federal student aid. Over the years I have been garnished my wages, had tax returns taken ; {$1500.00}, {$5400.00}, {$4700.00}, {$3800.00}, {$750.00}, my original loan was {$5600.00}. I was told i woud recieve notice where my tax rerurns were applied, I never received anything. To date i owe {$26000.00}. I have spent the last  three  years serving as an   XXXX   XXXX  , during the terms of service i am allowed my student debt to be free of any interest from incruing. They respond that I have no accounts with them, deny my request then i receive notification of my debt owed to them. Unfortunaty, i have had several   XXXX   XXXX   XXXX   since tgen, resided in a   XXXX   XXXX   XXXX   years, was unable to qork for several years due to a   XXXX   injury. I will have to research and try to obtain supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i paid the card off the bank froze the account let it completely max out then gave it to XXXX collection agency. if they wamted the money then why did they stop me from paying them?

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am a member of the South Carolina XXXX XXXX XXXX. Back in XX/XX/XXXXI transferred my apartment at XXXX XXXX XXXX to another student at XXXX XXXX University. Her father wrote a transfer fee check and I paid her first month 's rent. XXXX XXXX never cashed her father 's check because it was my responsibility to cover the transfer fee. I was never informed of this nor was I contacted by XXXX XXXX about this outstanding balance. However my distaste does not reside with them. 
I have been over seas on XXXX training for a month, XX/XX/XXXX -XX/XX/XXXX and then recently came back and moved to my new home in NC XX/XX/XXXX. After a week of being home I was contacted by Hunter Warfield,  XX/XX/XXXX, they were at first polite explaining the situation they had supposedly also contacted my mother. After speaking with my mother and then the apartment complex I had found out what had happened. 
This morning I was contacted again by Hunter Warfield at XXXX, XX/XX/XXXX, this time they were very agitated and begun to get quite rude with me. They told me they have been they have been trying to collect this debt that I had not heard of until a week ago and that they have been attempting to collect it over a month. Again I tried to calmly, but sternly, explain I have not been here for a month and I have been investigating the matter since they had contacted me. That is when they said they were going to charge me. I then asked what they were going to charge me with. They said they were going to charge me, and send this to a credit report agency. Then told me that they had taken my response as that I was not going to pay the {$300.00} debt. Once he stated this, he then proceeded to quickly hang up on me. 
Please understand I never said I would not pay the debt. I then called back the apartment complex to tell them my experience and they apologized greatly astonished by they lack of professionalism exhibited by Hunter Warfield. They then explained to me that since they themselves were never able to contact me ( since I was on a XXXX ) that they would be so kind to remove the debt from the collection agency. 
I have never been treated with such arrogant and ignorantly placed hostility when approached. I would have expected a greater amount of professionalism from a 'law firm ' trying to collect payment, cruelty and threats is not the way to accomplish any goal in business or law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America starts to charge my checking account a maintenance fee I have never been informed about. I talked to them multiple times and they simple say they MUST have informed me. I know I have never been told about this fee because I asked about maintenance fee when I opened the account. This kind of dishonest practice should not be tolerated in a lawful society.

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 01/19/2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Bull city financial sent me a bill for {$100.00}. I never received an original statement from the listed provider and asked bull city to give provider information to verify the debt and make payment to the original provider. Bull city refused to provide any provider information other than the name. An extensive search of records revealed that that individual is no longer in business in XXXX, does not work at any addresses listed, and does not have a functional phone number. this information was reported to bull city, who still refused to provide information to contact and verify the debt. Since that time, bull city has turned this over to credit agencies, negatively affecting my previously excellent credit score. If this is a legitimate debt, bull city needs to provide the providers information so that the debt can be verified and paid. Regardless, this needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with AES/PHEAA (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been working with National Collegiate Trust 's collection agency XXXX XXXX XXXX, and through my bankruptcy XXXX and XXXX agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and XXXX lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with XXXX XXXX. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. 

XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. 

XXXX has never answered the complaint or contacted me. 

XXXX has disappeared and seems to not be honoring the agreement. 

I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. 

My income can not support these payments. 

I have filed multiple complaints and I need XXXXXXXX and XXXX to respond NOT XXXX They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: I was dbl charged for a mortgage payment XX/XX/2016. As soon as I realized what had happened I called to get the issue resolved. The representative at that time said there was nothing that they could do until they had proof that the check had cleared. 
The check cleared, The automatic debir payment also cleared at that time and I have sent their reps proof by sending electronic screenshots and copies of the bank statements to that effect. 

Evidently this is not proof enough for them. 
They want extra effort on my part to contact the back and receive additional documentation that the bank said they would provide for a fee. 
In effect I will be paying an extra fee to my personal bank in order to get the money I am owed from my mortgage servicer that they took in error in the first place. 
have been trying to get my money returned and the LOANCARE officers are making it as difficult as possible for me to get my payment returned. 
to resolve the problem I expect my money to be returned to me 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 explanation
Consumer complaint received 11-04-2016 about Credit reporting () with Midwest Recovery Systems (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I did not receive any notice that I owed this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Vehicle loan or lease (Lease) with Byrider Franchising, LLC (MA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I leased this car in 2011 and paid for it for a couple of months and was unable to pay it and so they repossessed it.Its been six years plus that they have it on my credit report.I have paid two companies to try and remove this from my credit report without any avail.This has frustrated me alot over the years I have tried to apply for things even housing I have been denied because of this.So am appealing to u to try and resolve this for me since I have only one year for to stay on my 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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit 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