milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a hamp loan they help one time and things got bad again. So I tried again and Wells Fargo rep told me to leave if I could not afford the house I have been never had a problem till the bottom of the economy crashed and then everything went bad. The lady at Wells Fargo went up 10 yrs and raised my rate. And it has killed me. So I called XXXX and they put on hold for 14 months and no help.Now I am in chapter XXXX and no one will help me. If I have a short sale they will loose XXXX XXXX dollars because I am under water bad and the house needs some repairs., They rather loose that money than give me a lower rate. I have used almost all my 401 k to survive and my has been XXXX with XXXX XXXX and my life has been turned upside down all I wanted was some help.

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 11/30/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am in the process of trying to Refinance my home. We noticed on our Credit Report that XXXX XXXX XXXX is reporting my mortgage information to the Credit Bureaus XXXX. 
The same loan number and delinquency dates except one has home listed as a Manufactured Home which is in error and the current listing is correct as a Single Family Home. The error was corrected by XXXX but Equifax and XXXX still show it as Mfg Home and as if I have XXXX mortgages, then all XXXX show it correctly. The XXXX listing on XXXX and Equifax is affecting my credit score and ability to Re Finance as it appears that I had XXXX Mortgages concurrently with same delinquency dates. The Re finance company stated that the Credit Bureaus could not resolve the issue without letter from XXXX, I contacted XXXX and they said it would take 30 business days to research it before they could give an answer or resolve it. This is unacceptable as it was their error to begin with. How come XXXX picked it up and is reporting it correctly along with XXXX and Equifax but XXXX and Equifax still report it in error? Seems XXXX and Credit Bureaus are just pointing fingers at each other. Note : The Credit Bureau report begins on page XXXX of the attached pdf file. Discard pages XXXX - XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a wrong address on my credit report. I have never lived in California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. 
I simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Closing on a mortgage

Complaint: I did a cash out refinance through XXXX XXXX. They used XXXX  XXXX XXXX agent, XXXX XXXX who was instructed to payoff Wells Fargo loan number XXXX. 

She requested a Payoff from Wells Fargo Home Mortgage and the statement was received on XX/XX/XXXX. The payoff statement indicated wire instructions and that the amount needed to pay off the loan was {$66000.00} and that the payoff amount was good through XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX wired the amount of {$66000.00}. 

I received a collection call in mid XXXX stating that my mortgage payment was late. 

I called but they couldn't seem to figure it out. So I went into a branch. XXXX XXXX XXXX and then XXXX XXXX XXXX of Wells Fargo sat down and reviewed it with Me. 

XXXX then pulled up the mortgage account. He said that it appeared that Wells Fargo received the money but didn't apply it to my account until XX/XX/XXXX resulting in interest and therefore it appears to the system it's not paid off. 

They created a ticket number XXXX and they said it should be fixed in a couple of weeks. 

I got another collections call XX/XX/XXXX. I'm afraid that this is effecting my credit not to mention how much time I've wasted dealing with this. 

They told me I can just pay it and it will be paid off but I don't owe them anything. I don't know what to do! 

XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 01/17/2017 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The complaint is about a private loan from AES ( American Education Service ) where I obtained a student loan, and they insist on a co-signer. I was told when I apply for the loan the co-signer will be removed after a year which was not true, once I start repayment. I start sending payment for a year when yet they did not remove the co-signers name. My complaint is the constant mail I received from this institution on a monthly basis, and they realize I am attending college because I notify them by mail. I have sent them a response various times making them aware I am in college and my loans are in deferments, but they ignore that fact. Furthermore, XX/XX/XXXX/XX/XX/XXXX I started to send them payments when I can in a small amount of about XXXX dollars to apply it for my current loan to keep the amount low, however, I am presently in school as a graduate student full time. I complained to my school and they said they have sent automatic update to them making them aware I am continuously enrolled. 
XX/XX/XXXX, they are constantly sending me information for past payment and continuously sending information about higher interest rate and also sending information to my co-signer who happens to be a retired vet which has made him very concern to why they are constantly sending these mails every month to him. In addition, they are sending letters claiming they could not debit my account for the monthly payment because I close my account, and I need to send them payment immediately with another form of payment. That was really strange because I never sent an agreement for debit payment, and they contact the co-signer claiming of miss payments, and he needs to make the payment. I was absolutely horrified how deceptive AES can be. 
Please contact them to explain why they are continuously sending deceptive mails and claiming I sent them a debit payment plan which is not true. Furthermore, sending negative report to the credit agencies which is affecting my credit score and in term making it difficult for me to get hired. I have been in search of a job with no success, and I think the negative report on my credit is contributing to these issues. Please help me to solve this problem. These company business practices are not honorable, and I want everyone to be aware of these underhanded practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Avant Credit Corporation (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: on XX/XX/XXXX i was trying to get a personal loan from Avant.com XXXX/avnt i apply thru them because on their webpage they advertise that they dont affect the credit, but now in my credit shows the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Lost jobs unable to pay, gave us small payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has fail to provide me with proper documentation regarding a midland account that I have disputed in the past and is still been reported as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following is a list of hard inquires on my TransUnion credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX credit - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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 01/26/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer is Seterus, About 6 months ago I received assistance from XXXX XXXX, XXXX. I have been making payments on time since then, however ; my payments are posted late every time, and Seterus is known to post late payments and collect those fees as well making my mortgage amount short and making me fall behind. Now on my credit bureau show 30 day late making my score low, I want this problem to stop and fixed by XXXX, Seterus ... I am tired of Seterus calling and sending me notices, now XXXX is calling me with options. I do not need their assistance at all. Stererus has a bad reputation through California and now Arizona regarding these late payments.. I can go back a yaer and a half to show where we have been at with our mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: It's shows under a hard inquiry with transunion that I have a current XXXX account. I do not, and even confirmed that by calling XXXX. I can't get through to transunion via XXXX XXXX to have it removed. Please help in any way as I am trying to repair my credit the best I can. 
Sincerely, XXXX 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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XXXX 2010, I have sent over twenty certified letters to both EQUIFAX and XXXXXXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: During the week of XX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus Experian, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.

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 03/27/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I have been a toyaota customer since XXXX, recently I renewed my lease for a newer model as is my option. I recently discovered, that my credit report has XXXX hard inquiries on the same vehicle. Why would Toyota need to have XXXX inquiries that appear on all bureaus, I was approved and signed the papers on XXXX the date of the initial inquiry? I was not advised that an additional credit inquiry was being made. I authorized XXXX. TOYOTA MOTOR Inquiry XXXX XXXX, XXXX TOYOTA OF XXXX Inquiry XXXX XXXX, XXXX I have requested a correction and have not received a reply or response. In addtion I am the Co-Signer on a vehicle and I am not botified of any issue with the payment but my credit was noted 30 days late. I am of the impression that due diligence requires that I am to be notified so I can resolve prior to affecting my credit. This vehicle was a issue and a complaint was never responded to, the initial payment was said to be XXXX, after a reveiw additional service was added when this was discovered before the first payment they revised the contract and the new payment was XXXX. I have reuested a copy of the initial contract since this chanrge was not disclosed. Causing a lower model to be purchased to fit budget, when it was not a valid accurate amount. These XXXX transactions lowered my credit score XXXX points..

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collections Acquisition Company, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: they never sent me a first letter, just started calling me and sending me letters to pay the 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 07-05-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Settlement process and costs

Complaint: I received a phone call and it said on my phone it was from a chemical company? i answered and they said what is your name. Never identified themselves. I said who is this they said Chase Bank. I said why does it say chemical company? She said what is your date of birth? then ss last XXXX digits. I said you called me? you dont know my name? i said what is this regarding? They said your sobordination. Yes they must be chase then. I said i am telling a chemical company that didnt know my name nothing. I have already filed with you a complaint about this bank. They charged me in the past for a sobordination and dragged feet so long i lost my money i paid for it. interest rates went up so high i cancelled it they owe me that money for this XXXX. I have already filed that complaint. they said they were calling because of that complaint. Should that not be in writing? I am again saying that they are wrong and filing again. no response to my complaint in writing. response on phone from a chemical company? Professional? what are they hiding?

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX COMPANY or ENHANCED RECOVERY CORPORATION depends which credit reporting agency you look at, is putting a collection from XXXX on my reports. I have never had an account with XXXX ever and I 'd like these removed. I have disputed with the credit agencies ( XXXX and XXXX ) and to no avail. I have disputed a XXXX time and I still have yet to hear back. When I call the collection company they answer and hang up. I 'm convinced this is fraud and I 'm not the only person saying this. A google search of any of the company names shows others complaining about accounts that they have never owned. I just want this removed from my account and this company shut down. They 're illegally trying to collect debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Credit card () with BB&T CORPORATION (NC).
Issue: Delinquent account

Complaint: I am receiving calls for credit card debt for a person that does live in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with Source Receivables Management LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account keeps getting passed to mulitiple collection agency after I dispute the current agency. It gets deleted from my profile the put right back on by some other company. I 've never opened any accounts with anyone. I am requesting that the company provide proof that I opened this account and evidence that it was indeed owned by me. I know I did not open any accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax , Inc. failed to secure my data. It was stolen and now I am at risk of having my financial identiy used to ruin my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Medical debt) with United Collection Service, Inc (FL) (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently wrote UNITED COLLECTION SERVICE a letter asking them to verify the debts that they keep under my name. According to FCRA they are required to validate any debt. Not to mention, withholding any information they received from any medical provider in attempt to HIPPA complaint can be a violation of the FDCPA. I have requsted full documentation of what they have to verify this/these accounts. There is no signed documentation that they sent me stating that I have a binding, contractual commitment with UNITED COLLECTION SERVICE. According to FCRA any company is REQUIRED to provide a method of verification which should consist of the actual and original signature of the individual they are contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stephens and Michaels Associates, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello stephens and michaels called me and said i owed XXXX from XXXX and when i talked to the lady she gave me an address i nver ever lived at before. So i called XXXX to verify that they sent it to them for collections and come to find out they never did this debt agency is a scam they are gon na mail ne something in the mail and verizon said they never sent it to them. They tried to give me a deal and they were so rude and wanted my personal information and trying to collect money for something they dont have or i dint owe

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information, allowing it to be used freely by criminals. Instead of spending money to properly secure the data, they elected to shift more money to profit. 

Not only did they mishandle the information, they failed to notify me. Instead I found out from a third party through social media. 

Not only did they mishandle the information and fail to notify me, they tried making more money off of me. Trying to get me to pay for their credit monitoring services. This seems like some sort of mafia protection racket.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.

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