milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (CT).
Issue: Trouble during payment process

Complaint: My mortgage was sold to XXXX XXXX  on XX/XX/2018. I am currently in bankruptcy but am keeping the property, clearly stated in all paperwork. I have made on time payments throughout ( to my previous mortgage lender XXXX XXXX XXXX ). I was told by XXXX XXXX, because of active bankruptcy, I needed to pay by check, money order, or my banks bill pay. I made a payment through XXXX XXXX electronic bill pay ( not a check but an electronic payment i. e. A debit payment ). XXXX XXXX, by default, sent the payment to Loan Care Servicing Center, as they used to be an associate of XXXX XXXX. Someone from LoanCare accepted my payment. It has not been posted to XXXX XXXX, it has not been returned to my account and LoanCare knows nothing. Ive been told by 2 different workers that loan care works for XXXX until today I was told they do not. But because I do not have a loan with Loan Care they cant find my money. I am now late on my first payment with XXXX with no solution in sight. I have {$1800.00} floating around somewhere that no one can find. Loan Care Servicing Center is who has taken my money with no return.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.

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 Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently working through the process of getting my home out of foreclosure. I am working with a Housing Counselor that is helping me mediate a loan modification with my mortgage company, Flagstar Bank. I was instructed to begin dialogue with XXXX point of contact person at Flagstar Bank. A letter was sent to me XX/XX/XXXX, notifying me whom my contact person would be, XXXX XXXX. Since that time, over three months now, I have been unable to reach XXXX XXXX. I am often directed to an automated message or an associate who is unfamiliar with my loan circumstances. I have been given incorrect information from other agents, and even reprimanded for requesting to speak to XXXX singular point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have a private student loan through Wells Fargo Bank. I am enrolled in auto-pay. Using the old Wells Fargo student loan website, it was nearly impossible to find and turn off auto-pay. Therefore, from time to time, I would incur a Wells Fargo Fee ( " WF EFS STDNT LN AUTOPAY '' ) of {$30.00} when there was an insufficient balance in my bank account to cover my monthly student loan payment. The Wells Fargo system will keep trying to initiate a payment, even though a previous attempt failed, and it will continue to incur {$30.00} fees. Recently, Wells Fargo updated the system, but it is still not possible to turn the auto-pay feature off. Upon information and belief, the Wells Fargo auto-payment system was purposefully designed to prevent borrowers from de-activating the auto-pay feature to avoid incurring the fee. During my repayment period, which began in XX/XX/12, I have been charged a number of fees when I had an insufficient balance in my bank account. Considering Wells Fargo 's checkered history with fraud and other improprieties, it is hardly surprising that they conduct themselves in such a disingenuous manner.

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 monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX years old and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX, GA XXXX. XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, PA 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 explanation
Consumer complaint received 04/18/2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A target credit card I owed on went into collections and started affecting my credit score XX/XX/XXXX. They agreed to accept a partial payment and the debt was taken care of years ago. Unfortunately, I am still being negatively effected by this as the last reporting was XX/XX/XXXX. I have tried to contact target to handle this issue but the service I spoke with claimed they do not have records back that far. I would like this derogatory mark removed from my credit report as it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: I had purchased a set of 4 Good Year tires for my car from XXXX dealership in XXXX WI. At the time XXXX or XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$20.00} rebate for the particular tire I purchased. The same rebate would have been {$40.00} if I had used a Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$20.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that 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 monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have requested verification/validation of the debt FCO is attempting to collect from me - I am not familiar with their company and have never entered into an agreement with them. On X/X/2017 - I requested verification - they sent me a contract that was incomplete and not enough information to identify this debt as mine. OnXX/XX/XXXX I requested information a second time to clarify my original request - they sent me a bill/statement with no additional information even though it appears the statute of limitations have expired for this debt They have not provided enough information to verify this debt - this account is negatively affecting my ability to get credit. In addition, they have failed to mark my credit reports recognizing my dispute on all the credit reports they are maintaining this account.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX and XXXX XXXX of 2016. that a computer glitch that was TransUnion 's problem, not mines caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me. As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please see Unauthorized inquiries from XXXX on XX/XX/XXXX and XX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.

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 09/22/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A representative from Trans World Systems, Inc called my house at XXXX and asked for a XXXX XXXX. Caller Id said Toll Free Caller.The telephone number was XXXX. I told him that there is not XXXX XXXX here. I asked him why he was calling my house and he said to get in contact with XXXX XXXX. I asked if he was a debt collector and he refused to answer me. He told me that he ca n't. I hung up and dialed the number on caller ID. That is when I asked the name of the company. I asked him why he was calling my number and where did he get it? He would n't answer my questions. I told him that he can record this, " DO N'T CALL MY HOUSE ANYMORE. '' Then he asked me for the last XXXX of my phone number because he has XXXX numbers on his list ; I think he wanted to record me giving him my number. Obviously, he knew my number because when I asked him if he was a collection agency when I called back and he said he or his company called me looking for XXXX XXXX. Then he asked for my name which I refused to give. First of all, he has no right calling my house about any debt collections because I do n't owe anybody any defaulted debts. And even if I knew the whereabouts of a person, I would not tell them. Collectors answer no questions ; I answer no questions.Let them do their own work.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Nelnet is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and XXXXXXXX with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
XXXX validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen XXXX. XXXX very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime XXXX XXXX must cease and desist all debt collection practices. 
In the event XXXX. XXXX or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from 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 07-03-2016 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( target/TD ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. At this time i would have thought that Target/TD would have also received the Court Documentation considering they were the ones who initiated the complaint to begin with. However they have yet to comply with the Court ruling. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Financial Recovery Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid XXXX XXXX back onXX/XX/XXXX16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I responded to a promotional rate for refinancing student loans that I believe was a fraudulent offer, wasting considerable time. Other lenders have approved my application and I was shopping for a more competitive rate, that was offered by XXXX Citizens Bank declined a refinancing application for current student loans, stating insufficient income. What is significant is that I have an XXXX credit score, earned in excess of $ XXXX per year for the last three years, and $ XXXX for the last XXXX, and have virtually no debt outside of my mortgage ( {$1500.00}, and a {$500.00} car note ) and have been a bank customer for over a decade. All the loans are in repayment, and current. I would like CFPB to investigate, as this is either a fraudulent offer, or the bank is engaged in discriminatory practices as I am XXXX, and seeking a loan with a 5 year term.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problems when you are unable to pay

Complaint: I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on XXXX/XXXX/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: After gaining access to my Capital One account that had been withheld from me I had found it to be run up and unpaid. To my knowledge it had been paid off. After contacting Capital I learned that there was an additional account opened without my knowledge. Capital has insisted on me paying throughout the entire process, even though what I would be paying I never charged and was all fraud. I informed them I would pay what was not fraud claims and asked for my statements of the account that I knew about. Roughly a month later I 'm still waiting for them and they are still calling for payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Payday loan () with Green Trust Cash, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: My husband and I applied for a loan while we were in a very though spot -- ha had been laid off and we needed to pay our car while he was between jobs Green Trust Cash XXXX XXXX XXXX, MT XXXX Customer Service at Green Trust Cash Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E mail : XXXXXXXXXXXX Approved us for a loan. the interest rate was at about 150 % which we were not aware of at the time. We thought we would be able to pay it back quickly. We have been paying faithfully since XXXX/XXXX/2015 and still have almost the same mount due ( we have paid a total of XXXX for a loan of XXXX and still have a payoff amount of {$400.00} as of today )

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 01/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a fraudulent credit card in my name With bank of America without my permission

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED XXXX TIMES -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 explanation