milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 am attaching proof from my credit report that these 2 accounts on TransUnion are reporting wrong and that both the creditor and TransUnion are refusing to verify, correct or remove them as per the requirements of the FCRA. 

I 've submitted substantial evidence in this case and have disputed multiple times with both parties to no avail. These must now be deleted from my credit report. I am also attaching my correspondence with both parties. 

Accounts listed incorrectly : XXXX XXXX listed twice Problems : 1st account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company. 
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$1300.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified 2nd account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company.
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$5800.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified Due to the fact that it 's clearly being reported wrong and no one wants to conduct an actual investigation per the FCRA, these items must be deleted at once from 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
Consumer complaint received 03-11-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo Mortgage fraud perpetrated by ex husband have a letter from Wells Fargo regarding this incident, he also with this illegal mortgage filed a false tax lien using my social security number XX/XX/2016 and sabotaged my XXXX back payment and caused me to get evicted from my apartment XX/XX/2016.

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 10-08-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I filed a compliant on the CFPB website back on XXXX/XXXX/2016 that CMRE was reporting inaccurate information and when I called to correct the information. CMRE required me to pay the debt before removing the dispute preventing my from refinancing my home loan. CRME provided the following response - The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX CRME removed the debt form my credit report in XXXX 2016 and now has listed it on my XXXX credit report without any notification for disputing the debt and violated Under the Fair Debt Collection Practices Act

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 07/15/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: I have a debit card with TD Bank. I have been charged for overdraft transactions that I have n't agreed to. The reason for the charges, as they explained me at the bank, was because the check I deposited was not cleared when I proceeded to use my debit card. As such, I was charged the amount of XXXX dollars each time I used my debit card during the time my account had XXXX funds available ( XXXX dollars in total ). As a debit card holder, I assumed that I would not be able to proceed to transactions when my debit card has XXXX funds. I never agreed to such charges or the service provided as a " courtesy '' from TD bank as the employer of TD bank told me. Important to note that when I opened my bank account ( at XXXX, XXXX location ) they did n't point out that such a service is provided for my account. To me, this does not seem as an implied term, but rather corresponds to misleading information and unjustified enrichment by the part of the bank. The purpose of having a debit card was exactly this, to avoid overdraft charges!!! While using my debit card I was not aware that I did not have enough funds and I did not consent to any overdraft charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I spoke to XXXX XXXX from Navient back in XX/XX/XXXX. He requested I provide 2-3 paystubs in order to enroll in a new program. I uploaded the information and fast forward 3 months later. I keep getting calls from Ohio ( like every 30-1hr ) leaving voicemails with no message at times or leaving no vm 's at all. At first I was n't sure who it was, until It angered me and that 's where I found out it was Navient. Just to find out I was delinquent 3 months and I owe over $ 1k. Never had a problem in the past and now they are telling me im delinquent when I clearly spoke to one of the employees there. Also, to find out they never received my information. Let me remind you my personal information is on these paystubs, and to find out they do n't have anything on file for the month of XX/XX/XXXX, that 's actually scaring me. Now, Navient is asking for my paystubs again and I do n't feel comfortable doing it. I need help and I need help fast because Navient is not a friendly, helpful company to deal with. If someone can guide me the right direction that will be highly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (IA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Company keeps calling and refuses to give me information in writing

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Information belongs to someone else

Complaint: this reporting agency refuse to send validating paperwork on on how they verified the account. XXXX XXXX account # XXXX. have not received proper documentation on properly validation the accont is mine

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I get a Robo call from XXXX at least XXXX times every day for the past month. It concerns a supposedly debt with XXXX, but I called XXXX and that debt does not exist. If I return the call, I 'm just presented with an automatic message about where to send payment and no human ever answers. This harassment has been going on for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out student loans with Wells Fargo to help pay for my XXXX degree. After I graduated from school, I " paid off '' both of these loans upfront in full, single payments. Months later I get a notification from Wells Fargo stating that I was delinquent on my student loans. How could I be delinquent on student loans that I just paid off?? Their student loan practices are unethical. They are making money by nickel-and-diming me by using these hidden, unfair payment tactics. I never received any " notifications '' either about the " status '' of my student loans -- Wells Fargo said that they emailed them to me each month ; this is FALSE. I have never received any such notifications from them. They know my current email address, and I have yet to see XXXX single notification from them about my " unpaid '' student loans. This is fraudulent, unethical, and greedy. I borrowed money from this institution and paid it back in full, upfront. No partial payments involved, only complete lump sums. Why is Wells Fargo doing this?? I feel violated and taken advantage of by Wells Fargo. They have completely breached their fiduciary duty as a bank. I will be terminating my account with them tomorrow.

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 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I canceled service with XXXX and had a {$220.00} credit balance on my account, when they refused to send me a refund check, so I called my bank and denied the charge, then a few days later I got a check in the mail from XXXX which I cashed and got my credit card company to drop the charge-back. However, now XXXX is charging me back for another {$220.00} and send this to a collection agency which is threatening to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an x-ray done on my foot on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. My bill was submitted to insurance which paid a portion and the remaining balance was submitted to me. 

I paid the remaining balance with my XXXX card and was told that my account was cleared. 

On XXXX XXXX, XXXX, I get another bill from XXXX XXXX for the same balance. I call them and they look up my account number and confirm that yes indeed, my balance had been paid off and it seemed their billing department had not updated. They gave me a receipt number for my previous payment and assure me that bill will be notified immediately. 

On XXXX XXXX, XXXX, I get a 'final notice ' from XXXX XXXX XXXX to send my owed payment to a collection agency. It 's the same balance from last XXXX that they think is still owed. I immediately call back to contest. Again I am assured that billing had not updated. This time, I 'm even given an approval number from the billing department to prove that it has indeed cleared my account. Additionally, I am reassured that whatever system they have to send my balance to collections will also be canceled. 

On XXXX XXXX, XXXX, I get a letter from Continental Credit Control collections agent threatening my credit and demanding for my balance due from XXXX XXXX as well as an accrued interest. 

I am infuriated. It seems that nothing ever happened with my XXXX calls to XXXX XXXX. I would have been happy to pay the balance had there been a payment issue, but ever time, I am reassured my payment cleared.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Other transaction problem

Complaint: XXXX17 - Using the MoneyGram website I made a transfer to my sister in PR as she needs the $ right away due to the emergency in the island. I made the transaction for {$350.00}. The company took the money from my checking account in a few minutes and made available for pick up. However, when my sister went to get the money the MoneyGram at XXXX in XXXX PR said that they have a restriction and that the amount can not be for more than {$150.00}. That I have to split the transaction. I called MoneyGram they can not split the money right away. Then, they recommended to go to XXXX in XXXX to pick it up, but I called XXXX and they said the same thing. I called back MoneyGram, and apparently XXXX will be able to give the $ to my sister.  As soon as she can call me I will communicate this to her. My complaint is that : 1 ) MoneyGram website did not mention the restriction before taking the money 2 ) If I request a refund I have to wait 10 days to get it back in my account 3 ) I paid {$36.00} for immediate delivery of funds ( which they do not want to refund ) 4 ) this is a real emergency there is limited communication and my sister needs the money for her family NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (AL).
Issue: Loan modification,collection,foreclosure

Complaint: my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Other mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my house thru foreclosure on XXXX/XXXX/2008 to Washington Federal XXXX. I received a letter from the Branch Manager XXXX XXXX from Washington Federal XXXX offering me a loan modification for 3 months starting XXXX 2008 and another letter with documents for an additional loan modification on XXXX XXXX 2008 I never received any notices of foreclosure! I had a cash buyer a month before the foreclosure but the bank said no. Curiously, the bank sold and CLOSED the property in less than a month after the foreclosure. In fact they sold it well under market thru a realtor friend they know very well. They treated out of state customers differently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates ( Hereafter PRA ) and I came to a settlement agreement on an account on XX/XX/XXXX. They emailed me the settlement agreement, and I immediately paid the account upon receipt of the email, during the same telephone conversation. I then initiated disputes with the 3 credit reporting agencies on this account. 

On XX/XX/XXXX I received the results from my dispute with XXXX on this account. XXXX was updated by PRA to show that it was still an open account with the balance reduced from the initial {$1200.00} to a new remaining balance of {$360.00}. The amount of settlement agreement was {$850.00}. Using rounded numbers ... XXXX. 

Rather than updating the account as settled or closed, PRA now lists the difference between the full balance they initially requested and the amount agreed upon by settlement as a past due with balance remaining. 

PRA can not claim ignorance as I made the payment in Lump sum. They chose to validate my dispute with the CRA to the balance remaining. 

When I contacted Portfolio about these issues, the initial customer service person I spoke with stated that it was correct, but after I persisted transferred me over to the disputes department. The gentleman there told me to call back in a few days after they had a chance to investigate it. I will follow up later, but it should never have been an issue as they chose to update it incorrectly when it was disputed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Calvary Collections and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Other debt) with The TRAF Group (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted the original company XXXX XXXX to dispute the amount they are attempting to collect and they refused to correct the amount and referred me to deal with credit collection agency for future correspondence. I contacted XXXX collection and disputed the amount. They informed me that they would update my account as disputed and that the original debtor would have to correct the amount. Ive received nothing but miscommunication from both parties. I am disputing the amount of the debt. They are attempting to charge me as if I never paid on this account. I disputed this amount when the collection agency called me in XX/XX/XXXX about the account. The amount that should reflect as being owed is {$210.00} dollars. I made payments on this account, and even when the original debtor offered me the option to buy the instrument they told me that the buyout would be {$210.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with ALE Solutions, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: We are renting funrintire through ALE solutions after our home was destroyed by Hurricane Matthew. After delays from our mortgage company which we tried to work with them about they came to take the furniture and housewares. They came on XX/XX/XXXX. We offered to give them some of the items that were n't needed but we were told by XXXX after he spoke to someone on the phone to not pick up anything because it was easier to get it all at once. We explained the situation and on X/XX/17  we received a threatening email from XXXX XXXX. We had explained the delay because of the part of XXXX XXXX delaying our checks being endorsed to finish work on the original property. She had told us if we did n't pay them approx {$1600.00} them they would start legal procedings and have us arrested for theft of property. They have already picked up half the items previously and are charging XXXX XXXX and trying to charge us for the full amount of items even though they were returned. We have XXXX small children XXXX,XXXX,XXXX and XXXX and one son is a XXXX XXXX. This is unacceptable

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: Ocwen Loan Servicing is the second worst company in the world, second only to Litton Loan which there are undoubtedly the sister company. At any rate, they are denying a payoff statement of my loan after their bylaws clearly state they have 48 hours to comply and all of the paperwork was submitted for processing on XX/XX/XXXX and after several calls to their representatives today -- they repeatedly apologize and say they require 6 more business days. This is NOT PROFESSIONAL behavior and is UNACCEPTABLE!!! Please monitor and properly handle stopping this behavior from this company.

Company response to consumer: Closed with explanation