milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Debt collection (Auto) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX, the supervisor at XXXX threatened me directly in regards to my auto loan. I have been fighting this with Hyundai, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what Hyundai is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.

Company response to consumer: Closed
Consumer complaint received 02-06-2017 about Credit reporting () with TRANSWORLD SYSTEMS INC (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt older than 7 years Proof of original collection data Please remove collection from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXXXXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau onXX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXXvoicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. Transunion makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, Trans has XXXX inquires, XXXX has XXXX. That is a big difference. Also XXXX reports as 8 late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not 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 01-01-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX claim they had me in collections for my XXXX bill. I paid the original creditor in full XXXX. Never once did I pay XXXX. They sent me a letter saying I was in collections but the balance was wrong so I wrote them a letter asking for proof of original debt. Which I never received so I went and Paid XXXX off in full. I would like helvey and associates to show proof that I paid them. If they ca n't show proof which I know they ca n't so i want th collection account taken off my credit report. I paid only XXXX. They are making false statements that I paid them. I did n't know I was in so called collections since they never sent me my letter asking for my original debt which is against federal law. Maybe they could have cleared it up of they would have sent me a letter. I know they received my letter because I sent it certified. Once again if they ca n't show proof i paid my debt through them I want the collection account taken off my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently closed my XXXX XXXX XXXX account. Before I paid the final bill ( which I paid well within XXXX XXXX 's demands ), I was sent a letter from the Enhanced Recovery Company dated for XXXX XXXX, 2015 saying my account had been sent to collections and I owed XXXX dollars. I did n't receive this letter until XXXX XXXX due to it being forwarded from my old address. 

I paid my final bill on XXXX XXXX, 2015. Upon calling XXXX XXXX 's customer service, I found that my closed account was in good standing and had not been sent to collections. I believe that the ERC is at fault for attempting collections on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed XXXX accounts as of XXXX that are listed on my credit file and the accounts have been " verified '' however, today when I called them, they stated that they could n't discuss the accounts with me because they were n't in my name. This makes no sense whatsoever. How can they continue to report on my credit file but they ca n't discuss the account details due to the account not being mine. I am trying to purchase a home and I am 100 % XXXX as well as XXXX and it 's rediculus that I have to fight this battle over a debt that is n't mine and I 'm about to lose my house because of this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Bank foreclosed on the home I am a tenant in. Wells Fargo gave conflicting information to me and the other tenants about whether Wells Fargo would settle with us in order for us to move out. First the bank asked us how much it would cost to get us to move, then the bank said " everything is on hold '' because the former owner is suing the bank. Wells Fargo has repeatedly said it would send a representative to the property to discuss the foreclosure with the tenants and give us information, but it has never done so. Wells Fargo is obligated to assume payments for our utilities, which are included in our lease. However, Wells Fargo has never assumed its obligation as the new owner of our home. We have received multiple shutoff notices for the water and electricity. Wells Fargo has refused to return our calls about the utilities or the status of our tenancies. We believe Wells Fargo intends to constructively evict us by allowing the utilities to be shut off. An attorney for Wells Fargo, XXXX XXXX, sent us a confusing notice about our tenancy, but has never returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Our property consists of XXXX lots : XXXX and XXXX. We are taxed at the county and town levels. Nationstar paid the county and town taxes on lot XXXX but not XXXX. I have been calling them since XX/XX/XXXX but this issue is still not resolved. I have faxed in the tax bills to the number listed online but when I speak to a representative they have no record of lot XXXX nor the tax bills. After each call the representative says they will get back to me. They have n't. When I ask by name for a person I previously spoke to the new representative seems to have never heard of the former person. I will soon be receiving a notice from the county and town for failure to pay taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. 
I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. 

The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. 

Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: My home loan has been categorized as a Veterans or VA loan. 
I am not a Veteran. I have never served in the United States military. I did not sign a VA loan, nor have I ever submitted documentation to Wells Fargo that I am or have served in the United States military.

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 07/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with TD BANK US HOLDING COMPANY (SC).
Issue: Problem with additional add-on products or services

Complaint: TD bank takes exceptionaly long reporting income to XXXX XXXX. I am using this to supplement income between pay dates and can not because TD wo n't give them the information they need. Please fix this ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with RAB PERFORMANCE RECOVERIES, LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a summons from RAB performance and I answered, paid the money and went to court when I received the court date. No one ever showed for this company and the judgement was vacated. It is still pending on my credit file and I am unable to obtain a mortgage. I am a single mom trying to provide a better life for my son. This has stagnated me. I am not even aware of the company XXXX any dealings hence me going to court to find out more. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Company did not respond to letter of inquiry concerning improper credit reporting notification.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech continues to miss manage my account with them. My husband received a call 2 weeks ago stating we owe the company 'Advance Fees ' from XXXX from the previous Servicer ( Greentree ) & when can we settle that payment. I informed my husband that was not the case and why do Ditech continue to call and harass us? there is currently a cease and desist order against them on my account. My argument is this, the year is now XXXX Ditech claim they have outstanding 'Advance Fees ' on my account from XXXX, approximately 5 years in the past. Why all of a sudden Ditech is moving ahead to collect these fees when they were no such fees listed on my account until recently. Did Ditech somehow pull these bogus fees out the air?? I am gravely concerned about Ditech 's unscrupulousness business practices and how Ditech continues to miss apply my payments and make up fees that are unsubstantiated. I have been making on-time payments to Ditech every month these payments are withdrawn from my bank account. However, Ditech continues to harass me with bogus advance fees, this has greatly affected my health as my over all well being. I expected Ditech to be a company who values their customers and not to threaten them with evictions or repossession orders. Especially when their customers are making their payments on time and accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with TrueAccord Corp. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received an email from a debt collector TrueAccord, saying that I owed {$14.00} on a XXXX XXXX account. I called XXXX and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

XXXX told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no XXXX branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: hi i been trying to work with Transunion for over a year now to have the poof that the information on a   XXXX   XXXX   account  XXXX  and  XXXX  bankruptcy,  s  chapter  XXXX  #  XXXX  chapter  XXXX  #  XXXX  are not mine and they have refused to show proof and all they have sent back to me is verified i have tryed to tell them that the accounts they have on file do not belong to myself and they will not take care of the issues so this is a complaint to please show the proof of this these accounts if you cant provide me the proof they need to be removed because one again they Do Not Belong To Myself the law states that if you can not show proof they must be removed from the report 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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.

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 02/28/2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX called a family member of mine looking for me. They told her I owed a debt ( {$580.00} ) from an old bank account ( XXXX ) that had been closed in XX/XX/XXXX. They told her they were trying to find me to subpoena me to show up in court and sue me for the money. They also told her if I did not contact them that I would be arrested. I called Wells Fargo first and told them this. They told me I did not owe them any money. Wells Fargo fought XXXX several years ago. I then called the number that called my family member. They told me the same things they told her. I told them I know it is a scam and I will not be paying them.

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 02-12-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Delinquent account

Complaint: My wife and I were offered a 0 % transfer from a local 5/3 branch on a credit card. ( I was a small business owner in 2010 and put a large amount on credit cards trying to save my company. I just want to clarify that we did not rack up this debt by spending irresponsibly ) When XXXX ( my Wife ) spoke with the representative we were told that we would be expected to pay XXXX a month in minimum payment, which we were both fine with, as we are trying to pay off this debt as quickly as possible. 
Coincidentally XXXX was the first month that we went on vacation in 3 years, putting us in XXXX when payment was due. XXXX called our bank and had our " minimum payment '' plus an extra {$50.00} totaling {$350.00} applied to that card, but the bank put this money on the wrong account, causing us to default on the card, which they froze. We called to clear up the issue and have the funds put in to the correct account, but we were still left in default. This immediately changed our 0 % loan, in to a card with a substantial penalty PLUS interest. 
XXXX has been trying to clear this up with our local branch for over a month and I finally stepped in 2 days ago to see if I could figure out what is happening. 
during my multiple conversations with the payment research team ( who were very disrespectful and taunting ) I found out that in their system, any payment less than {$640.00} a month was considered delinquent. which means that since we received our card, we have been delinquent. 5/3 never informed us of this and the only reason we found out was when we were in the process of pre approval to buy a home, at which point our lender informed us that this card and 5/3 not only have dropped my credit score XXXX points in the last 3 months, but that we were now considered credit risks and no longer able to borrow from anyone unless this is cleared up. I also imagine that our credit rating is also going to spiral downward unless I pay {$650.00} ( plus back fees ) a month plus interest for the next 3 years to these crooks. Since my credit rating is now in the gutter, and no bank would loan me money to get out of this hole that 5/3 dug for us and shoved us in to. 
We will attach files of correspondence and bills with our minimum payment due. 
Through this whole ordeal the people at 5/3 corporate have been difficult and uncooperative, bordering on insulting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had my loan with XXXX and then XXXX XXXX XXXX. We paid a large sum of money in Modification trial payments. The proofs of payments have been submitted in CFPB complaint # XXXX. This complaint is about the new Servicer Shellpoint Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted a dispute XXXX with TransUnion for a negative account that is listed XXXX on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on both of these accounts. However, one of the accounts shows that the date opened is XX/XX/2012 and the date closed is XX/XX/2012 which, again, clearly show a mistake since an account ca n't be closed 2 days before it is ever opened! TransUnion supposedly has verified that the account information is correct and both accounts remain on my credit report. This is still inaccurate information and I do n't understand how it can be verified as correct XXXX when it is obviously incorrect if for no other reason than the fact that the open/close dates on one of the accounts listed are not even possible! How can I get this removed if TransUnion claims that the accounts are verified and accurate?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief