milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: The collateral for this loan was in an accident on XXXX/XXXX/16. It was declared a total loss on XXXX and check mailed out on the following day by XXXX. I spoke to WFDS and explained the situation and asked if I would still need to make the XXXX payment and was told that if the money was received by the insurance company I would be fine to not. I called twice weekly asking about the payment when the website was n't updated and was finally told on XXXX/XXXX/16 that they did not, in fact, receive the payment. 

Frantic I told them that I was 7 days away from being 30 days late. They said not to worry, have your insurance company stop the check, issue a new one and overnight it to the following address : XXXX Attn : Wells Fargo Dealer Services XXXX XXXX XXXX - XXXX XXXX Colorado XXXX It was sent the following day ( XXXX ) as XXXX had already picked up from XXXX that day The XXXX checks totaling ~ {$20000.00} were received by WFDS on XXXX at XXXX local time and signed for by XXXX XXXX. 

I called XXXX, XXXX, XXXX asking if they had posted, worried about my credit and was told by XXXX, XXXX and XXXX that it would be fine, and the payments would be posted by the postage date. 

After the weekend, I continued calling, still worried about it not posting and then showing XXXX payments due and was told by XXXX that money, contrary to the original calls, would be a " principal only '' payment and that I was indeed late and our line got disconnected. I called back AGAIN and was told by XXXX that I was ok and it would not be. No one at WFDS is helping or making sense, and I 've worked SO hard to make sure that my credit was perfect after our chapter XXXX. They have now as of XXXX/XXXX/2016 posted it as 30 days delinquent despite being told repeatedly I was fine and had nothing to worry about. 
They have now also put me down as not having insurance, on a totaled car, and are threatening to place insurance at an absurd cost to a car that does n't exist anymore. 

Please 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 non-monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: XXXX   XXXX ,    2017 B  ureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX  RE : FAILURE TO RE SPOND TO DELTETION/CORRECTION LETTER To Whom It May C oncern : On  XXXX   XXXX ,  2017,  I received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand t hat may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  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 01-10-2018 about Debt collection (I do not know) with Cordoza & Wexler Recovery Services (CA).
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: I got a call from XXXX XXXX XXXX XXXX ( State : PA ) with numer ==> XXXX telling me that i need to pay. 

I recently migrated from XXXX XXXX and do not owe anyone anything. 

Please assist and take the response company to task.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to get my credit report and have provided Experian the required information and documentation THREE TIMES. I have gotten my report from the other XXXX agencies with no problem. THE ONLY AGENCY GIVING ME A PROBLEM GETTING MY OWN CREDIT REPORT IS EXPERIAN. The first complaint # XXXX they closed by claiming they were sending me a credit report that daty, XXXX XXXX. THEY DID NOT do as they said to close the complaint. Instead they sent a letter asking for the exact same info. Which I provided AGAIN with my XXXX complaint # XXXX. They closed that complaint by saying : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific. '' I WANT MY CREDIT REPORT. HOW MUCH MORE SPECIFIC CAN I GET? DO WHAT YOU SAID YOU WERE DOING BACK ON XXXX XXXX. YOU ARE INCOMPETENT.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XX/XX/XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XX/XX/XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.

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 12/30/2015 about Debt collection (Payday loan) with Integrated Recovery Services (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX, I received a robocall message on my cell phone that did not give company name or identify the person speaking threatening that legal action was pending on an urgent matter. Failure to reply would result in a judgement. 

When I called back, I received no disclosure regarding privacy or debt collection. I spoke with XXXX XXXX XXXX who informed me I owed a debt that needed to be paid within the next 2 days or a suit would be filed. I told him I believed the debt in question was paid to another collector in XXXX. I also informed XXXX XXXX that I was laid off in XXXX XXXX and the only income I have currently is from unemployment insurance. 

He said that his company ( Integrated Recovery Services ) did n't own the debt but worked for another broker that actually owns the debt and that the debt was still owed. 

I sent a letter of dispute on XXXX/XXXX/XXXX by fax and certified letter requesting debt validation by XXXX Mail. The certified letter was returned as undeliverable. 

XXXX XXXX XXXX called me 3 times after the XXXX leaving messages and continuing his pursuit of the unvalidated debt. On XXXX/XXXX/XXXX sent me a letter from a generic email address XXXX restating the settlement offer but ignoring my request to validate the debt. Further, I have requested license information to confirm Integrated Recovery Services and/or XXXX XXXX XXXX is licensed as a debt collector in XXXX where the company is located. XXXX XXXX XXXX has refused to provide any communication via XXXX Mail service leading me to believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't stop charges to bank account

Complaint: This lender is calling me incessantly from multiple numbers multiple times a day. I told them not to draft on a day that I said I was n't going to get paid. They refused to listen and did it anyway. It caused problems in my account and I had to close it. I bank at XXXX in XXXX, california. I made other payment arrangements and they fail to note the account so they keep calling. One missed call and they are calling my references which is causing me embarasment and undue stress. I told them to stop and they say they have no control over their " corporate '' which appears to be a bunch of independent " hit men '' making numerous and harrassing calls daily. I told them I use the number they are calling as my personal and work phone and they are disrupting my business. They yell at me and do not listen to me. I told them I have rights under the fair debt protection act and they do n't listen or care. I do n't know how to stop these calls. It is causing me anxiety and undue stress and ruining my business and reputation. The calls started when I was 1 day late paying the loan off. I had tried to may new arrangements but they were not interested. Here are the numbers they made collection calls from between XXXX/XXXX/15 and XX/XX/2015:XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXX/XX/XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsI answered most of these calls but they still kept calling even though I attempted to make payment arrangements. They stopped for a while but started again XXXX days ago. I told the guy to stop calling me since this is my business line and to stop calling my references since they know I can be reached and I am available. He just yelled at me and said to pay up by Monday. 
California Check Cashing stores said they have no control over what their corporate does when I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are multiple fraudulent accounts opened on my credit file due to fraud. I filed a police report and sent it in to the police station. The company would not remove the fraudulent accounts per my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle lease) with EQUIFAX, INC. (MS).
Issue: Taking out the loan or lease

Complaint: I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi, I was working with Navient on my private student loans. net over documentation several times to them uploading through their portal and sending via email ( at least 5 times ). Each time, they claim non receipt. All while this is going, they told me that my account is being place in forbearance and there would not be a payment as they are reviewing the documents and setting up my payment plan. I kept calling only to get wither your paperwork was not received again or it is with the VP for review during his monthly review of accounts, however, have no worries as they will accept the payment arrangements we have established. Long of short, I called after my credit report showed 90 days late. Today it is showing 120 days delayed. This is inaccurate as I have paid monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, 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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (HI).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XX/XX/XXXX, I applied for a Barclaycard Visa with XXXX XXXX. Please note that I already hold a MasterCard  issued by Barclays and that my FICO score is in excess of XXXX. On XX/XX/XXXX, I received a letter requesting copies of my social security card, driver 's license and bank statement or utility bill with my name and address. I contacted Barclays and they told me that these documents were required to establish my identity. After that conversation, I copied these sensitive documents and mailed them to Barclays as requested. On XX/XX/XXXX, I mailed copies of my social security card, drivers license, bank statement, electric bill and a copy of my owner information and parcel description from the XXXX XXXX Real Property Tax Records. Throughout the month of XXXX, I have made numerous calls to Barclays and asked for the status of my application or to return my identification documents to me. They have done neither. Meanwhile, I received letters dated XX/XX/XXXX & XX/XX/XXXX requesting the information that I have previously sent to Barclays! Today, I called Barclays and this time, I was told that application was denied but the representative could not tell me the basis for the denial. Meanwhile, I am extremely worried that Barclays has lost my identification documents and I am at serious risk of identity theft due to their incompetence. Also, I am very concerned about the effect that a denial of credit will have on my FICO score. I have spent a lifetime maintaining a stellar credit rating which is now being jeopardized by Barclay 's negligence. Finally, please note that I am a senior citizen and that I believe that I am also a victim of age-related credit discrimination.

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 03-02-2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I spoke with a representative at TSLHS XXXX : XXXX and requested information on the XXXX XXXX XXXX program for repayment options. The rep explained he could review my info and suggest whether I would qualify and send paperwork for the fee equal to one student loan payment ( {$640.00} ). They sent the paperwork. I completed and filed with Department of Education. They then informed me that all their paperwork and services are 100 % free and that I had paid a 3rd Party who is not in any way affiliated or authorized on their behalf to distribute paperwork to send me free documents. 
I called TSLHS to request a detailed explanation and refund based on ethics and a lack of verbal communication of this info and was denied. They simply routed me back to their website which explains things in detail. However, I was not explained this on our call and it is unethical to fall back on disclaimers posted on a site when the contact was via live call. 
The rep at TSLHS created such a sense of urgency within our call that when I asked if I could mull over the offer ( sending me paperwork via mail for {$640.00} ) and do a little research, he indicated to me that I should rush on my actions because once XXXX became president the Forgiveness Plan ( XXXX XXXX XXXX ) may no longer be available. So I completed the paperwork on the call. 
I am disheartened that a company would take advantage of people like myself who are only seeking to pay their student loans. It is assumed ( generally speaking ) that loan details are confusing for many and they prey on that fact. If at any time he would have explained that I could download forms on my own or directed me to the disclaimer on that call, I never would have spent my rent money on their " service ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has conducted XXXX investigation. every investigation they remove my late payment from XXXX XXXX and bring it back again. i 'm sick and tired of their work. i 'm in the middle of a home loan closing and equifax re inserted the delinquency when it has fixed for 5 months. i pulled my credit report on XXXX XXXX 2015 the late payment was not there. i pull my report today the payment comes back again. i 'm attaching the copy of my credit report that i pulled and a letter from XXXX XXXX that the delinquency has been fixed from their side.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN Mortgage company raised our percentage rate which resulted in a XXXX % increase in our mortgage payment per month. It is forcing our family to sell the home, potentially at a loss. What adds insult to injury, is that OCWEN claims that they notified us 30 days prior, but I check out mailbox every day, and we received the updated bill 16 days before the due date. How is a family of XXXX supposed to be able to survive with evil mortgage companies like OCWEN existing in this world? We originally signed our mortgage with XXXX XXXX who then sold our mortgage to INDY MAC who then sold it to OCWEN. For 10 years we have never had a missed or late payment. I blame all of the companies involved that is forcing us out of this home and holding our good credit rating at ransom. This is extortion in the modern age.

Company response to consumer: Closed
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did n't protect itself against hacking and now all my personal information is out in the wild. My credit and personal finances are at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Medical) with Professional Placement Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Student loan (Non-federal student loan) with AES/PHEAA (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.

Company response to consumer: Closed with explanation