milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: Ally Auto has billed me on numerous occasions for summons I have not received. When asked for a copy of the summons they claim they do n't have access and give you a summons number to look up on the DMV website. When you log into the website the number does not appear in their records. I have called the DMV several times and the summons number provided by Ally is never on file. They bill me for a summons they claim I received and add additional fees but can not provide documentation of the summons.

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 09/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Flurish Inc. (OK).
Issue: Charged fees or interest you didn't expect

Complaint: This company is not following XXXX rules about how delinquent an account is before charging off a loan. They continue to misreporte a loan I have with them as not actually being a delinquent as it is to avoid taking the loan off their books and therefore running up the interest I owe them. I would like to work something out with them also but they refuse to put any correspondence in writing.

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 06/25/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have already filed a complaint against this, but it is still not resolved. 
The XXXX companies, XXXX XXXX and XXXX XXXX XXXX ( XXXX ) have both requested that the inquiries be removed from my credit report because they are a result of identity theft. Equifax refuses to remove the inquiries, even after I have disputed the inquiries multiple times. I have attached my denied dispute and highlighted the XXXX inquiries that have been requested to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
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There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

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 12/26/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed our accounts with no notice, for business reasons, no other explanation was given, per " the terms on our account agreement '', they then locked the accounts and would n't let us withdraw any money for a week. In 26 years we never bounced a check. We still have not received a written notice. Their actions put us at financial risk as it was toward the end of the month, and we had bills to pay. I would like for them to produce my original agreement they said allows them to do that. This was a very abusuve action by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. ().
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have moved out of the USA and have had a very difficult time managing my student loans. To make payments from overseas international accounts are not accepted. I have since opened an account in the USA. Due to family circumstances I have had to altar my repayment and even defer payment for a time. I borrowed {$28000.00} and despite making payments since 2008 I now owe {$36000.00} because the interest rates are astronomical. My mother is the cosigner and my father is XXXX, so she is unable to assist in repayment. I am worried about getting her into financial trouble, but am doing my best to fulfill my obligation, but I do n't see an end in sight. My only option at the moment is to extend my repayment period to lower my monthly payments and still that is not manageable. I 'm at my wits end trying to figure this out and to be honest quite XXXX and XXXX. If I had known or been better educated at the time of borrowing, I would have NEVER taken out a signature student loan. It was marketed as a friendly option to students and has been anything but and the biggest regret I have. I would have preferred to not have my XXXX XXXX degree then be stuck in this horrible contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with U.S. BANCORP (GA).
Issue: Other

Complaint: Because I have earned more free air miles than I can ever use, XX/XX/2016, I accepted the offer of Fidelity Investment to take out a Fidelity credit card issued by Elan Financial Services. At the time I opened the Elan account, I completed an automatic transfer form so that any balances on my credit card account would be swept from one of the accounts I maintain at Fidelity that has approximately {$50000.00} at all times. 

Last Saturday, XX/XX/XXXX, I received via US mail a letter from Elan Financial Services dated XX/XX/XXXX. In the letter, Elan told me that " your automatic payment service has been cancelled ... .. '' This was my first notification of this cancellation, even though I received at least three prior messages from lan via email. 

After spending almost an hour on Saturday working on the phone between Fidelity representatives and representatives from Elan, I was finally told that the cancellation of my automatic payment service was the result of an on-boarding problem between Fidelity and Elan. It was stated to me that the account number ( the only account number I have ) on my Fidelity statement from which automatic payments were to be made was not sufficient for Elan to set up/or maintain the automatic payment service. Why it took from XX/XX/XXXX to XX/XX/XXXX for Elan to let me know this, and then by mail (! ) was not something Elan representatives wanted to discuss. 

And the representative I spoke with clearly did not believe in the legal disclosures she insisted on reading to me to effect the one-time payment I made before cancelling the credit card. During this reading, when I was essentially told to shut up and listen, she insisted on my confirming the correctness of an account number that Fidelity had provided on the phone to the representative. This was not an account number to which I had access. 

The Elan representative did offer to waive my late fees!!! But as today, that has not happened. 
.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
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: Trans union failed to conduct a reasonable investigation. I requested to have my dispute in  XXXX    XXXX   properly investigated and needed to have specific information on how they conducted the information and what date and time they contacted each disputed item. I also requested that they provide the person whom they had spoken to so that I may contact them as well. They also took add many disputed items and reinserted them without prior notification as required by law.  Trans  union is in direct violation of the FCRA and must remove all disputed items including all inquiries. The information they are providing to potential creditors is erroneous and they have failed to follow the law as required.

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 08/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient the holder of my loan falsely reported i was 90 days delinquent on my student loan and ruined my credit now they refuse to fix there mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with Finance System of Richmond, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!! 

I will continue to submit multiple complaints weekly until it is deleted. Also, i found a threatening voicemail from your company that i have forwarded to the FTC. I will file complaints with CFPB, BBB, and FTC until this is deleted. This is not my debt and you need to show proof that it is. 


I WILL NOT STOP TILL DELETED. THIS IS NOT MINE AND YOU HAVE NO RIGHT TO REPORT INACCURAE INFO ABOUT A PAY DAY LOAN I NEVER HAD.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that Credco is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the Credco report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. XXXX XXXX XXXX XXXX refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.

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 Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I experienced a loss of employment and was forced to put my home on the market, as I could no longer afford it. I ended up having to do a short sale on the home, and it was approved by my mortgage companies. My XXXX mortgage was completely resolved with the proceeds from the sale. However, soon after, I was notified by PNC Bank that my home equity line of credit was not completely resolved. They told me that a balance was still owed. I immediately resumed payments on this account, and have made consistent, monthly payments on this account for well over three years now. It recently came to my attention that PNC Bank is reporting this account as a collection account! Despite three and a half years of loyal, timely payments, they are reporting this account as a collection account. Additionally, I have discovered that they are re-setting my date of last activity every time I make a payment. So instead of reporting the date of last activity as the date they put the account in collections, they continue to re-set that date monthly. I can only assume that they are doing this to perpetuate the seven years they can continue to report this debt on my credit report. My credit is not perfect, but this situation is having a devastating effect on my overall credit rating. I have contacted PNC Bank about this situation on numerous occasions, but they offer no resolution. There were XXXX different avenues I could have taken about this matter when the short-sale occurred. I could have just let the account go, and stopped making payments. After all, I no longer lived in the house. However, I decided to do the honorable thing, and continue to make loyal payments to this debt. In my opinion, PNC Bank has literally punished me for doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX XXXX in XXXX XXXX. I have student loans through navient for my XXXX. I have been contacting the program for the past 2 months about processing a deferment for my loans. They have continually placed obstacles ( e.g. saying forms are n't legible, that previous customer service representatives I spoke with did not document requests, etc ). Recently I submitted a third deferment form 2 weeks ago. I called on day 14 asking for an update on the processing which I was told would be 5-7 business days. They then told me the form was again not legible so I was put on hold only to have them state that there was a mistake and the form was actually legible. So I was told in about 3 days from the call the form would be processed and a decision on deferment would be made. 

After three days passed, I called and was told that the request for form processing three days prior was n't put through and only that my complaint was put through about wanting my form expedited. So the next person I spoke to said that if I did n't hear back next week to call. It is now been 2.5 months of me trying to have a one page form with 14 lines of information processed to defer my loans during XXXX. This has been an impossible task and I really hope this is heard..

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (WI).
Issue: Managing the loan or lease

Complaint: We traded and leased a new car from XXXX XXXX in XXXX, Wi on XXXX XXXX, 2016. As with any vehicle purchase agreement, the dealership ran a variety of credit approvals and created numerous documents for this transaction to occur. We secured financing from XXXX XXXX XXXX XXXX XXXX XXXX for our new vehicle and took delivery of it XXXX XXXX. We were told that ( Ford ) would be contacting us shortly ( XXXX3 weeks ) with a payment book. No contact happened. Concerned by the lack of contact, we phoned Ford on XXXX XXXX and again XXXX XXXX and again on XXXX XXXX. Each time they searched their systems and could not find our name, car ( vin # ) or transaction. " We do n't have any record in our databases for your name or for the VIN number '' Explaining the situation we were told " be patient, perhaps there is a delay '' On XXXX XXXX we received a letter from Ford credit saying that we were behind in payments and owed two months and were being reported to credit bureau for late payment. We contacted the contact in the letter and immediately paid the past due via electronic fund transfer. On XXXX XXXX we received another notice saying we were being reported to credit agency. This was after the monthly payment. XXXX car payments in two weeks by electronic deposit. 
XXXX XXXX XXXX Company has completely failed internally to handle our sales transaction! Most importantly they have caused undue stress and damage to our credit rating by making false reports! Unacceptable! And when contacting XXXX again about this, their response is : " you can contact the credit bureau and request a change '' Complete XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: I have been a scottrade customer for over 10 years. I took them up on their advertisement to open a checking account. Big Hassle! Not worth it. Despite being a long time customer, they needed to see proof of identification, including a utility bill. When I brought that into the nearest branch ( almost 20 minutes away ) they then told me I needed to bring in my Social Security card or a XXXX with my social on it. When I told them I could only provide the XXXX I received from my Scottrade brokerage account ( I am a stay-at-home mom ), they said they could n't accept that one. 

Going online into my account, they suggest transferring money to my new checking accout and sent a debit card to my home address. However, they wo n't let me transfer money from my brokerage to my checking account. 

To sum it up, Scottrade Bank does n't seem ready to handle regular online banking. Here I thought it would be a logical place to open a checking account, but it was a pain to a ridiculous extent.

Company response to consumer: Closed
Consumer complaint received 09/27/2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Debt collector named Performant contacted me about my student loans. I agreed to make a payment and authorized them to take payments from my bank account to rehabilitate my loans but they never made the withdrawals. Then they called claiming to be federal agents and threatened to arrest me and to impose other sanctions or penalties because I did not pay them. They were trying to collect for a loan I got through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX University. They also placed me in a program I was not qualified for so I had to withdraw.

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 04/13/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MN).
Issue: Application, originator, mortgage broker

Complaint: Began applying for a small home equity line of credit on XXXX XXXX with Wells Fargo. I was told it would take 30 days. We have provided all documentation within 24 hours of request. It has now been 77 days and my application is still pending. We have several hundred thousands of dollars of paid equity in the mortgage ( not appreciation value ) and excellent credit as well as high verified income.

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 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX account XXXX that was late 3 times in XXXX XXXX XXXX XXXX and XXXX XXXX. This account should be deleted but Trans Union has informed me that it will not be deleted until XXXX XXXX XXXX XXXX would have been 7 years and first delequeincy

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