milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for XX/XX/XXXX, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & XX/XX/XXXX of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my report

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. 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 02-09-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: OnXX/XX/XXXX Navient started to harass several of my family members by phone in an attempt to get ahold of me. One of my family members stated she got 10 calls from Navient just one XX/XX/. I got reports from 4 additional family members who also repeated got multiple harassing phone calls. I never gave out these family members numbers or gave Navient permission to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with WELLS FARGO & COMPANY (NV).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX-XX/XX/2018 I responded to an add on XXXX for ( 2 ) wristbands to XXXX music festival. The seller let me know he or she had two wristbands still available for {$550.00} each. We then began negotiations on payments and arrangements moving forward. We agreed to use XXXX, a payment method through out banks. Not knowing much about it I trusted it since it was through my bank and if anything happened I could go to them to fix the problem. We agreed that I would send the first payment of {$550.00} in the beginning and the other {$550.00} once I had the wristbands. But throughout the day with threats of keeping my first payment and to not send the wristbands I eventually sent the rest of the money in two separate payments of {$350.00}, and another {$200.00} all through XXXX. Once the full amount was paid I stopped hearing from the seller and when I tried to call the cell phone had been disconnected. Know I had been scammed I contacted my bank to see if there was anything I could do or if I could even file a claim. After calling multiple times and talking to numerous employees they all said the same thing, since I willingly sent the money they can not do anything. Then they would go on to say to just alert the police and reiterate that there is nothing else they could do. I trusted the bank to have my back and they didnt.

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 09-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Settlement process and costs

Complaint: We fell behind in our mortgage with Greentree Servicing, and received notice that they were planning to foreclose. 

We talked to them and were told that they would send us a plan whereby we would make 3 consecutive monthly payments, on time, and then our mortgage would be reinstated. 

We received a XXXX XXXX page booklet shortly after that and proceeded to comply with it 's terms. 

Per the instructions, at the end of the 3 months we submitted the pages they enclosed in that booklet, the ones that required notarized signatures, and awaited results. 

The following month, we received a new bill from them showing that the mortgage had been reinstated and what the new monthly payment would be. That was when we saw that the mortgage had not been reinstated but had been re-written, and at double the interest rate of the previous one. 

We called them and after much transferring, supposedly reached their credit payment department whereupon we were asked why we had signed the new mortgage papers if we did n't like the interest rate. When I explained that we returned the papers, as directed, under the impression that the mortgage would be reinstated, not re-written, we were told that as far as they were concerned it was a done deal and we had no further redress. 

We called an attorney and was told that we 'd be better off going through our state 's Attorney General 's office for consumer protection. 

We called that office and were told to get an attorney. 

Home health issues erupted at that time and we lost track of this. 

Your recent settlement with Greentree has prompted this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: State Farm Bank needs to delete and remove this fraudulent account from my XXXX credit report immediately. Your company failed to provide proof that my rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (VA mortgage) with NOVA Financial & Investment Corporation (TX).
Issue: Closing on a mortgage

Complaint: XXXX XXXX notified me that my mortgage would be increasing by approximately {$700.00} per month. They reported the cause for the increase was to correct a significant deficit in my escrow account. They reported my account was {$5000.00} short. They report my loan originator is to blame for this. I can not afford such a significant increase in my mortgage. I now own the house and have to pick up a second job to cover the increase escrow estimate for next years taxes and the {$5000.00} shortage. Had nova not recklessly miss calculated my monthly payment I would not have purchased this house because it is outside of my budget with the correct tax calculation. My second job will have me away from home during weeknights and one Saturday a month. Nova home loans needs to make this right and correct their error by helping me recover from this and pay the {$5000.00}.

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 monetary relief
Consumer complaint received 08-08-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I took out a loan with santander consumer USA a on XX/XX/XXXX. I made the 1st payment when due in XX/XX/XXXX and then I made the next payment that was actually credited on XX/XX/XXXX for the XX/XX/XXXX payment. I made another payment on XX/XX/XXXX which came out of my bank on the XX/XX/XXXX and one of these is the payments in question not credited properly. I then made a payment on XX/XX/XXXX that I thought was the XX/XX/XXXX payment not knowing that santander had lost the XX/XX/XXXX payment. So my XX/XX/XXXX payment went backwards to the XX/XX/XXXX payment. I then started to make a payment for XX/XX/XXXX and it took 2 weeks to get paid but it was paid and yet santander lost this payment also. They reported me to the credit bureaus 30 days late and then 60 days late. I have been fighting with them sending bank statements and santander always had a complaint about the statement sent whether it was elegible Or not sufficient. I have dealt with several managers and even the office of the president in their lack of communication with me is appalling because it 's my credit that 's hurt over XXXX points and they still have not properly credited me. I then spoke with their fraud area and investigations and they said things that were not true and so I invoked my attorney to send them a letter demanding that they credit my account properly and fix the credit-reporting. I submitted them to sworn bank statements from the 2 different banks from which those payments came from in XX/XX/XXXX and in XX/XX/XXXX. They have not responded to me in over a week. At this point I do n't want my credit hurt any longer and I do n't wan na pay monies backwards 2 and a 1/2 months especially when 2 payments are out there that I did pay. They do not correspond timely and yet they continually report me wrongly. Ask them why they are not correcting my account when they had sworn bank statements proving that they are wrong and yet they 're still trying to blame me.

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. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I already filed Fraud Report over year and half ago these bureaus Equifax and XXXX I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number keeps calling me EVERY DAY starting early in the morning to night. They never say who they are, but it has the Wells Fargo automated message in the beginning when I answer or if I call back. Not sure if this is a scam because they immediately ask for my credit card number before anything else. They wo n't say whether they are a debt collector but they mention that I owe money. I have spoke with them a few times and explained my recent situation and that I am unable to make the payment at the moment. I have asked them kindly to stop calling me and they still wo n't stop. I am woken up from their calls and last time I talked with someone they called me stupid and I need to get my act together before I get arrested. I do n't know what to do, because they change numbers all the time so even if I block XXXX number, they still contact me on another. I keep telling them to stop over the phone and they agree they will, then they still keep calling me. It is interfering with my sleep but also making me very nervous. How do I get them to stop? Thanks.

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 02/28/2018 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I received an alert that a 30-day late payment was reported on my SoFi account. 

The 30-day late payment is inaccurate. I made an online payment on XX/XX/XXXX for the amount of {$1600.00}. I spoke to one of the customer service representatives and was told that although I made the payment on XX/XX/XXXX, the credit did not post until XX/XX/XXXX. I requested to have this corrected, and honor the actual payment date and not the posting date.

He suggested I email customer service.

I did, and was told to call in. I called in on XX/XX/XXXX, and I told another customer service representative what happened. She said that she can only see the posting date. I said that is inaccurate information and I need to speak to someone in the credit reporting department. She said I should send in a letter. I said I need to speak to someone and this was over my 5th attempt to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to XXXX XXXX. You are cows to be milked.

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand

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 09/14/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Good morning, my complaint this morning is with Wells Fargo Bank. I have recently been charge fees in an unfair way. Out of XXXX transactions I was short in funds for XXXX but to do to the way they sequenced my incoming charges, they charge me for XXXX fees. This is not the XXXX time they done this. I tried compromising with them but they say that its the way checks get presented that they process through account and that 's not true. I had XXXX transactions presented in the account throughout the noon time of that day while I had a XXXX transaction processed until later that evening ; and as this transaction was the XXXX in posting sequence, I know its not what they use as excuse. In that sense they can always say that and unless a customer like my self talks to the payees and know the way the payees bank process, then we can track down every time but Wells Fargo bank knows no one will do that and can take advantage of the system that way. Nonetheless, to my understanding, it was already in the regulations for banks to not this process as they profit more. 
Note : I 'm also aware that the process of items with banks can goin a sequence from atm to debit, to electronic checks then manual checks regardless of amount but this case was manual checks deposit.

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 07/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Case number : XXXX followed the correct measures and filed my complaint. The collection agency ( Enhanced Recovery Company , LLC ) admitted they had the wrong data and would close the collection account on XXXX XXXX, 2015. 

Now, two months later it still shows as a derogatory item on my credit scores ( all XXXX bureaus ) and it seems that Enhanced Recovery did not follow though with their promise to remove this negative item from my file. 

They never provided me with any information or account # 's in their initial contact with me. This company is extremely unprofessional and are abusing their abilities to ruin people 's credit. 

They have not followed through with their promise to remove this from my credit file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I opened my checking account 2yrs ago with Wells Fargo. The banker who worked with me Named XXXX was a very corrupt. He was distracted & quick talking. He signed me up for a {$3000.00} visa credit card. I stated I only wanted a checking account when I spoke to the banker who was supposed to be working with me but took someone else & was supposed to be passing the message to XXXX. That banker XXXX had problems with other customers when I spoke with his manager at a different location. XXXX also shut my account down when he first opened it. I 've had nothing but troubles & lies from Wells Fargo customer service department. XXXX never went over any credit card information or offer on my visit to open my account.

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 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, I hope you can help resolve the following issue. The Municipal Services Bureau sent a collection notice to me ; however, they have the wrong person. This is the second time this collection agency has sent notices to me for the wrong person at my address. 

On XXXX, XXXX/XXXX/16, I received a collection notice from MSB for {$1400.00} for alleged outstanding traffic violations emanating out of XXXX, XXXX XXXX XXXX. Several years ago I received a collection notice from the same company, again as a result of traffic fines out of XXXX, XXXX, Hawaii. In XXXX instances the middle name of the party is different from mine as well as different dates of birth and social security numbers. 

I 'm a XXXX, and have never resided in XXXX, XXXX, Hawaii. I also have never had a traffic violation in my life. 

Upon conducting checks for XXXX instances, I learned that the Municipal Services Bureau utilizes a " Skip Trace System '' that somehow gets my name and address for the above mentioned traffic complaints. I have contacted the courts for XXXX incidents and they do not know how the collection agency can get the information so wrong with what is provided to them. 

Please contact the Municipal Services Bureau on my behalf and remedy the situation. This would be greatly appreciated. 

I would like my name and address to be removed from their system and want a letter of apology from them and have them indicate what steps have been taken to ensure this never happens again. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my identity theft was stolen and tried to open credit under my name and there is a lot of hard and soft inquires that is making mt credit score very low i called and they will not remove them ( TransUnion Factor Details ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union

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