milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Good Morning, Back in XX/XX/XXXX, I applied for a loan Modification through American Servicing Company whom was a 3rd party to Wells Fargo and was approved, However in XX/XX/XXXX I sustained a life changing injury and while dealing with this situation it appears as though WELLS FARGO submitted a debt of cancellation to the IRS, in the amount of XXXX as this appears to be income on my end. Well due to various things going on in my life, I finally contacted Wells Fargo around XX/XX/XXXX and spoke with a Customer Service Manager name XXXX /XXXX in their California XXXXXXXXXXXX in regarding this situation. .I explained that this matter needs some kind of correspondence no later than XXXX XXXX, then the called my number on XXXX XXXX but did not leave a message, So when I returned their call the XXXX XXXX ext XXXX that they assigned this issue to was not available as a matter of fact I still have not spoken to the representative assign to this issue or his manager. It is now XX/XX/XXXX and not only have I not received any correspondence from anyone @ WELLS FARGO, But when calling XXXX and I spoke with another representative, whom attempted to tell me that XXXX XXXX had called my number on XX/XX/XXXX @ XXXX but chose not to leave a message stating that there was no voicemail on my number. Which I knew was an incorrect statement. And to add more salt to the injury, When I called XXXX they could not even locate my previous loan # in their system anymore. I am very upset about this situation due because I really feel that Wells Fargo is doing this deliberately to make my life hard.I say this because back in XX/XX/XXXX I purchased a XXXX XXXX and in the middle of my loan some how Wells Fargo was able to purchase my loan just as they did my mortgage and it was a totally nightmare. After paying them double the amount that I initially purchase the vehicle for they attempted to tell me that I still owed them an additional {$5000.00} and when I declined to give them anymore money then they refused to provide me my pink slip after collecting double the amount of the vehicle. And now they want to report an illegal amount to the IRS for a loan modification and I really feel that this is retaliation because they were not able to extort any additional funds from me in reference to the vehicle that I purchased back in XX/XX/XXXX. I want this major issue resolved through the IRS as well I am requesting assistance with obtaining my title as well for the vehicle that I purchase back in XX/XX/XXXX because I have nothing but problems with WELLS FARGO for EVERY TIME they placed their name on any loan that I have obtained. 
Sincerely, 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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been contacting Capital One since XXXX 2017 about 3 hard Inquiries that are on all 3 credit bureaus XXXX XXXX & XXXX XXXX, which are damaging my credit. I do not recognize these inquiries, and have place a fraud alert on my report. I have spoken with dozen Representatives from Capital One with no resolution ... ..last 4 of my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion refuses to help me.

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 10/18/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Using a debit or ATM card

Complaint: Pnc bank made it after n during a threatening. Encounter n threat. Vs me by staff telling. Me '' XXXX did '' that hed be canceling. My account n that my accountwould be closed with XXXX more. Report vs the bank. With. The. Cfpb. Now tonight im trying to access the account slash make a purchase. N its being declined i demand investigation. Vs pncbank for retaliation. Plus i made civil rights complaints n this is a retaliatory cutting off of my access to my XXXX. Check ssi n other ssa funds by electronical usages based on XXXX resenting. Me making federal governmental. Reports vs a bank thst broke some statutes codes under banking.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (RI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Student loan (Non-federal student loan) with MOHELA (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Struggling to pay mortgage

Complaint: We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date.     Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).      QWR was sent on  XXXX  -2017 with  no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Portfolio Recovery is reporting two different collections accounts as something different. They are listing themselves as a factoring company on one account and listed the account as open on another. They also stated that a payment was made in XX/XX/XXXX and a payment was NEVER made to this company. This is after I disputed the information with the credit bureas and they said every thing is correct. They continually change dates and remove accounts and put them back on a few months later. Now they are listing as factoring company and open accounts and they are both collection accounts.

XXXX XXXX XXXX XXXX SSN : XXX-XX-XXXX PORTFOLIO RECOV ASSOC XXXX XXXX Account Number XXXX  XXXX Account Type Factoring Company Collection Account Account Status Closed Open Payment Status Derogatory Account Balance {$570.00} {$570.00} Balance Date XX/XX/XXXXXX/XX/XXXX High Balance Business Type N/A N/A Classification Factoring Company Collection Account Company Sold to N/A N/A Date Opened XX/XX/XXXX XX/XX/XXXX Limit {$0.00} $ 0 Monthly Payment {$0.00} {$0.00} Percentage of Credit Used Terms N/A N/A Amount Past Due {$570.00} {$0.00} Responsibility Individual Individual Original Amount $ - - Original Creditor N/A N/A Date Last Reported XX/XX/XXXXXX/XX/XXXX Date of Last Payment XX/XX/XXXXXX/XX/XXXX Date Last Active XX/XX/XXXXXX/XX/XXXX Comments Seriously past due Dispute resolved ; date / assigned to customer disagrees attorney, collection agency, or credit grantor 's internal collection department Remarks Subscriber reports dispute resolved - consumer disagrees POR TFOLIO R ECOVER Y A XXXX Account Number XXXX -XXXXXXXXXXXXXX Account Type Open Account Account Status Unknown Payment Status Unknown Account Balance {$570.00} Balance DateXX/XX/XXXX High Balance {$570.00} Business Type N/A Classification Open Account Company Sold to N/A Date Opened XX/XX/XXXXLimit $ 0 Monthly Payment {$0.00} Percentage of Credit Used Terms N/A Amount Past Due {$570.00} Responsibility Individual Original Amount - - - Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX Comments Remarks COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Transunion denied me access to my free annual credit report by asking me to pay to include my credit score. First of all, I do not want to give them my credit card information regardless of how cheap it is. Second of all, FREE is free. All I want is my free annual report. XXXX and XXXX did n't give me any problems with receiving my free annual credit report. Transunion is the reason I requested my free annual credit report in the first place. They lowered my credit score almost XXXX points after they purchased XXXX XXXX where I was monitoring my credit score every month. I just paid off XXXX bills and pay all my bills on time. My credit situation has been the same for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This credit bureau has been notified that this account is not mine and may have been obtained fraudulently. The companies are XXXX XXXX and 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 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 04-05-2017 about Debt collection (Payday loan) with Financial Credit Service, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A payday loan was applied for in my name in XX/XX/2012, I have had hardship over the past couple of years but I and my family have been threatened 2 times over the past 5 years to be sued for check fraud, when have n't been properly served or notified. My friends are getting phone calls and are given false information. Telling them they are from the XXXX Police Department. When I call they are rude and try to threaten me with a court case if I dont give them money I dont have. Apparently the original amount was XXXX but they are asking for XXXX and more if they go to my district attorney. They give me a confirmation number after I paid them but nothing else. I called the original loan company and they told me they dont pursue court cases. I dont know if this is real.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Credit card debt) with DISCOVER BANK (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Since XXXX 2010 XXXX XXXX XXXX have been trying to collect an alleged {$1400.00} credit card debt from me. They have threatened me w/ a lawsuit to collect the debt without serving me at my residential address. They have obtained a default judgement because I not present at trial and I was not aware of the lawsuit against me. I disputed their debt and asked for verification bearing proof of my signature. They have failed. They sent a list of credit card statements instead. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>Till this day they continue to report derogatory information on all 3 of my credit reports listing charge off 's every month for the last 7 years damaging my credit worthiness. Given that XXXX XXXX XXXX acted in bad faith, and have not complied with federal and state laws, I told them I would file a small claims lawsuit to seek damages in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Within the la st three mont hs, I have been attempting to co-apply for financing. In reviewing my credit reports with the  XXXX  agencies, I have discovered  XXXX  public records of Tax Liens on my report.  XXXX  is a federal lien, as recorded by the  XXXX  County Clerk 's office, in the amount of {$12000.00} on  XXXX  ( joint lien ), and the other is a state tax lien ( West Virginia ), recorded in the  XXXX  County Clerk 's office in the amount of {$3100.00} on  XXXX . These are NOT my liens, as confirmed by the IRS and state tax authority - it is a person of same name, but not my social security number. Both  XXXX  and  XXXX  have removed this misinformation from my report, but Experian has NOT. I had Experian admit to me, on a recorded phone line, that they do NOT CROSS CHECK SOCIAL SECURITY NUMBERS! This is outrageous and unacceptable, and this is negatively affecting my credit, and causing me distress and an inability to obtain credit and/or loans and mortgages. I have filed a complaint with Experian, and they said they will take up to 30 days to investigate. Again, unacceptable. I ask for your assistance with rectifying this situation with immediacy. 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 03/17/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My problem is that PNC Mortgage is trying to sell my house at foreclosure auction without giving me the chance to be considered for any programs that would allow me to get my loan restructured or modified. There has been a major change in my financial circumstances as my wife is working full time and based on this information we certainly qualify for an assistance program. The issue is that PNC refuses to give us the time of day, refuses to open a new review, refuses to assign a contact to handle our case and instead is moving to foreclose on my home I have owned for the last 12 years. 

I worked as a welding inspector for the last 13 years until I was injured. I ended up beginning the process of applying for XXXX but it is a lengthy process. At that time my father was living in the home with myself and my wife. Although I was not bringing in any income at that time, my father picked up the slack and helped out with everything. The big problem started when he passed away. At that time I reached out to PNC in order to be reviewed for assistance options. I was told that I was denied because we did not have any income coming in at that time. I was waiting for XXXX and my wife was looking for work. Luckily we had some money put aside and continued making the payment for nearly another year, and then the funds dried up. My XXXX benefits case was still pending. I once again reached out to PNC to see if there were any options such as forbearance plans, deferred payment plans or unemployment plans. However, their agents refused to consider ANY of these options and immediately moved to put me into foreclosure. 

The good news is that there is a change in financial circumstances, my wife is working full time as an XXXX and contributing 100 % of her monthly income to the household. We are now in a position that we can definitely afford a reasonable monthly mortgage payment. The problem is that when I attempted to inform PNC of this situation and initiate a new review I was told it was too late and that they were moving forward with the foreclosure. This is not only unethical, in the state of California it is illegal. I believe I am entitled to a full review of my current and correct financial circumstances in order to determine eligibility for all federal, state and internal programs that are set up to help struggling homeowners. PNC Mortgage is refusing to do so and instead insisting on auctioning off my home unless I can reinstate the loan in full. I am not in a position to do that, but if PNC were to postpone this sale and review the current financial information they would see that we have a much improved financial position and would be able to get back on track with our mortgage loan and make a fair monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

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 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all XXXX credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, 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