milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2016 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Re : Account number:2nd request and Demand Letter 1. Violations Of XXXX Fair Debt Collections Practices Act 2. Violations of the Federal Fair Debt Collections Practices Act 3. Violations of the California Consumer Credit Reporting Agencies Act. 
4. Violations Of the California Business and Profession Code. 
( 2 phone calls received post revocation of consent to be contacted. 

This certified letter, is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : Please see my full complaint dated XX/XX/2016 attached.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with Experian about a collection account on my credit report ( XXXX XXXX ) and I stated ( between 3 and 5 times ) that the account was previously paid to the company XXXX directly, with no involvement of XXXX XXXX. The credit account was suppose to be removed since it was paid before the account was initiated.And of course XXXX XXXX never contacted me on the issue nor did XXXX, but I constantly am disputing the account since it was full in full to XXXX ( the final bill took a while to get to me since I moved to a new location but once received it was paid immediately )

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my credit score has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They claim that I have a open collection account. How is this possible if the collection have been since 2012??? I also ask this collection company to show or go of validation of this debt in its original form, showing my sign signature with the original inbebtness contract in its original form. They never show proof XXXX  I also have confirmation from taxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise

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 03/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, mortgage : XXXX XXXX in dispute : XXXX XXXX report # XXXX XX/XX/XXXX, I contacted Experian to dispute a delinquent payment on my credit report. I was advised the mortgage company had to correct the late pay and resubmit to the credit bureau. I sent my mortgage company a copy of my XXXX postal tracking # It was mailed as a 2 day priority. 
As of today, this is STILL showing delinquent on the credit reports. Per Experian, they closed my dispute in XXXX hours, referred me to my mortgage company and to date, have not corrected or removed my late payment as an error or acknowledged as such. 
EACH late pay cost me XXXX points on my credit report. For them to force a lower score on me is questionable and unethical. It appears that they use " late pays '' as a means to force people to purchase their credit products. 
Today, XX/XX/XXXX I contacted my mortgage company yet Again and was advised the XX/XX/XXXX is showing current in their system. 
Please advise. Thank you for your time. 
*******************IF you choose to publish this, PLEASE REMOVE MY CREDIT REPORT NUMBER! THANK YOU! **************************************************************

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: I am trying to connect my bank account with XXXX XXXX and they notified me that Capital One is not allowing me to connect my account. XXXX notified me that I have the right to access my account and suggested for me to contact the company or file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This is my SECOND WRITTEN REQUEST. The unverified item listed below is still on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is not only mine but that it is correct. In the results of your first investigation, you stated that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? I requested copies of the original documents that you used to verify this account, and it has not been provided to me as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

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 non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Acceptance Corp. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with Wells Fargo. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from XXXX XXXX regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.

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 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -XXXX account ending XXXX ( they are saying late on XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late

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 04-09-2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (NC).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Was taken to court debt was satisfied through court. Barclays says there is a balance in the account there is not it has been payed. Barclays has all info about account being payed and satisfied but wo n't change credit info says I still have a balance on account. I have a notarized document from courthouse saying debt has been satisfied but Barclays wo n't change it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A settlement was agreed upon, and immediately paid. Upon checking my credit report, the debt is still listed as unpaid ( two months later ). Not only this, but when I stated that I was going to pay the settlement, they tried to claim that I stated I would pay in full, and would not accept the settlement. Countless calls led to speaking with a supervisor (? ) who finally came to another ( more expensive ) settlement that I agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2016 I contacted my mortgage company to assess my options to address the unpaid balance for XXXX and XXXX. I completed all necessary paperwork request for underwriter to review. On XXXX/XXXX/2016, a third party person was sent by Wells Fargo to hand deliver to my home an envelope to ask me to call " Mortgage Company. '' The third party person entered my condo complex ( on the inside ) came up the stairs to my condo unit and hung on my door " The important '' Note. This scarred and frightened me that my mortgage company would hire a " thug. '' to come into my home. I was not at home, but when I came home I found envelope. The third party person did not leave their information. When I contacted the preservation specialist I had just spoken with 2 days earlier and completed all necessary paperwork, she could not give me the name of 'Third Party Person. '' All she could say is that they hard hired a " third party person '' to come to my home. Very very much afraid this person came into my home. My condo unit is shared by XXXX other person. My mortgage company put me and XXXX other people at risk of harm by some " third party person. '' I am very much afraid that they have done this to me. Please help as this does not seem accurate.

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 06/13/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We represent XXXX XXXX XXXX regarding a foreclosure. While we represent XXXX XXXX in his foreclosure, he has been attempting to modify his loan and has had a complete package submitted with the lender for over a year. The lender has come up with every excuse not to properly review XXXX XXXX and has now refused to even ask the Court to continue a trial, in which the Plaintiff is seeking to obtain a judgment against XXXX XXXX in complete and utter disregard for 12 CFR 1024.41 ( g ) ( " a servicer shall not move for foreclosure judgment '' ). Recently, notwithstanding a review which has been going on for over 18 months, with updated documents being sent every time they are requested, SPS requested a XXXX to be submitted. This is one of the first documents required, so their requesting this document over a year into the review is a bit shocking. Nonetheless, on XXXX XXXX, 2016 the document was faxed to SPS. 
SPS has completely disregarded the requirements that the CFPB specifically enacted to deter behavior such as the behavior of SPS regarding this modification " non '' -review. 
Below is a brief background over the last few months ... 
1. After being in review for a modification for over 18 months, on or about XXXX XXXX, 2016, SPS requested a copy of the Defendants ' profit and loss statements, and the documents were sent within ten days of the request. 
2. On XXXX XXXX, 2016, SPS acknowledged receipt of a complete application to review the Defendants. 
3. Notwithstanding SPS acknowledging a complete package eleven days prior, on XXXX XXXX, 2016, a new request for information was sent by SPS. 
4. As XXXX has done for over eighteen ( 18 ) months, the Defendants immediately complied with the request and the responsive documents were immediately sent to SPS. 
4. On XXXX XXXX, 2016, Plaintiff 's counsel advised that a checkbox on the XXXX was incorrect. While this is one of the first documents SPS should have reviewed several months ago, they shockingly requested this document be corrected less than 35 days after acknowledging a complete package. 
5. Nonetheless, as the Defendants have done for several months, upon receipt of this newly requested information, Defendants submitted the information to SPS. 
6. Additionally, on XXXX XXXX, 2016, SPS confirmed a complete package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (MI).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: First of all, a bit of background : I have a good financial history in the US including several credit cards, an auto loan and a mortgage ( FHA ). I make nearly XXXX per year and live in a low cost-of-living area, so most of my income is available to service my financial obligations. 

I applied for a student loan ( private ) and it was denied because the XXXX that was issue by the United States Department of Homeland Security ( DHS ) was not sufficient for the financial institution to proof my permanent resident status. 

I am in the process of renewing my expired XXXX XXXX XXXX - XXXX ( expired on XXXX/XXXX/XXXX ) and have received multiple extensions to my XXXX from the DHS - United States XXXX XXXX XXXX XXXX ( XXXX ) since then ; in other words, I have not interrupted my resident status since XXXX/XXXX/XXXX when I got it for the first time but unfortunately for me, the XXXX field office where my case is assigned to has a significantly large backlog. 

Having said this, the DHS has not issued a XXXX to extend my status, they just stamped my XXXX passport ( the stamp states that I am permanent resident and have work permit until XX/XX/XXXX ). 

When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension, which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am ), not to have the kind of XXXX they want ( this is something completely out of my control ). 

The application was to re-finance the student loans I have after getting my XXXX in XXXX XXXX at XXXX University ( XXXX campus )

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Other financial service (Refund anticipation check) with WELLS FARGO & COMPANY ().
Issue: Excessive fees

Complaint: wells fargo bank mortgages, forced home owners insurance, stole funds from my acount lotts of excesive charges, set up a acount that idnt no about the bank said it was a funds holding acount, the bank held onto a co signed insurance cheque for damage i had repaired, the bank sent XXXX large checks from my escrow acount to my insurance company that was already paid then sent the returned cheques to a holding acount then put me inforclosure with no missed paymants acount in credit fraud and perjury committed by wells fargo bank crooks

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 02-01-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am receiving several phone calls at my place of work ( XXXX is the number of the XXXX I work at ), regardless if I am there or not, every single day. I have myself gotten on the phone to tell them this is my place  of employment and they can not call me here but they continue. They have now learned my spouse also works at the same XXXX and have begun asking to speak to her as well. This has been going on for several weeks to the point my employer is considering it a distraction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: APR or interest rate

Complaint: Our furnace went out and XXXX company approved us over the telephone for a Wells Fargo credit card. They fixed furnace and the we paid more than the minimum each month and when the balance was down to about {$1300.00} they charged us {$1000.00} in interest. They claim it was a " deal '' they offered of XXXX no interest if paid in full. Even though the balance was {$1300.00} at end of 12 mos they charged over 28 % interest on the highest daily balance. We were never told this by Wells Fargo or the XXXX XXXX. We asked Wells Fargo to remove the interest charge and we 'd pay off the balance. They said no and so sorry. This is predatory lending at it minimum and outright fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank is reporting inaccurate and conflicting information to XXXX and XXXX. I filed a complaint on this matter before but US Bank states the information on my credit report is accurate despite providing different information to both credit reporting agency. I suspect the information on XXXX is different as well but I do n't have access to that credit file. I am providing documentation of what the credit bureaus are showing so you can see the conflicting information.

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