milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Wells Fargo has not responded any further in regards to the investigation as to why they are still reporting a debt on my credit report that's more than 7 years old.

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 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: STATEMENT OF FACTS : On or about XX/XX/2016 XXXX XXXX ( XXXX XXXX XXXX 's Daughter ) Purchased a 2003 Buick Lasabre from XXXX XXXX XXXX ( buy here pay here car lot ). And because XXXX, XXXX had a good payment and relationship history with XXXX XXXX Auto Insurance he referred her to call them for a policy quote. Consequently, XXXX XXXX had maintained a XXXX XXXX ( XXXX ) policy for his 2013 Dodge Avenger for over a year. 
Further, Despite the fact that XXXX XXXX 's name was nowhere listed on the purchasing documents of this 2003 Lasabre XXXX XXXX repeatedly mailed delinquent monthly billing statements ( Fraudulent Billing practices in clear violation of 47 U.S.C. 151 ) to XXXX XXXX 's Home address in XXXX XXXX Florida despite the fact that XXXX XXXX lived in XXXX Florida and she had previously given them her address and phone Number. 
But XXXX XXXX never followed up with XXXX XXXX, and they never attempted to mail her a bill. Instead choosing to unlawfully use the U.S. Mail to repeatedly harass and threaten XXXX XXXX because XXXX XXXX listed him as a driver on her policy which she herself called and implemented with XXXX XXXX. 
Whereby, after several delinquent billing attempts to XXXX XXXX, And after several phone calls to XXXX XXXX by XXXX XXXX, he was Finally told That he would have to mail or fax proof that his name was not on the purchasing documents of XXXX 's 2003 Lasabre ( which they Insured ). And despite this Obvious absurdity XXXX XXXX obtained and faxed said purchasing documents to XXXX XXXX 's arbitration department ( as instructed ) On XX/XX/2016, And repeatedly called them for acknowledgement of receipt, ( where they repeatedly responded " we receive hundreds of faxes and we 'll process them as they come in. '' CAUSE OF ACTION : On XX/XX/2016 XXXX XXXX received a mailing from a collection agency that XXXX XXXX had given all of his information to and assigned them to collect a {$730.00} debit from XXXX XXXX XXXX based on their agreement to insure XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR  XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

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 06/26/2016 about Debt collection (Medical) with American Accounts & Advisers Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been receiving harassing, threatening, profane and XXXX threats telephone calls from American Accounts Advisors in regards to a debt of {$120.00} and {$240.00} I do not owe. The debt do n't belong to me. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: There were several times that I could not afford to pay off my loans. I was told about the forbearance option which I found out later that they were adding the accrued interest to my principal balance which led to me paying much more than the actual loan. I am paying now interest on top of interest from taking the forbearance option.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Every day the company XXXX has called me at different times. I had informed them to stop calling me because I have XXXX XXXX and XXXX XXXX. I also informed them that I am a customer with XXXX XXXX XXXX. They informed me that they do not care at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen and a XXXX service was provided for an address in which I never lived. This service was n't paid for so I was left with a debt of {$1000.00}. I only came to find out about this debt after it was posted on my credit report as a collection. Disputed the charge but to no avail. I can provide any information needed to help solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 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: I called Transunion twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
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The following inquiries should not be listed.   XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/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 07-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On or about XXXX 2016, I noticed that a Common Wealth Financial company appeared on my credit files, XXXX entries appear as ( Acct # XXXX ; Acct # XXXX, in the amount ( s ) {$910.00} ; {$750.00}. I requested that Common Wealth Financial validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now, Common Wealth Financial is coming after me. I have continued to request that there validation and they continue to allow this to report on my files.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/2015. I opened a dispute with Experian due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Experian is legally required to conduct a " reasonable investigation '' of this matter. XXXX days later on XXXX/XXXX/2015 Experian " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Experian did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Experian to conduct a reasonable investigation, I demand that the report be removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Payday loan debt) with Real Time Resolutions, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I paid this bill back in 2014 with original company. I do know who this Real Time Solution company is and they have called my phone from different numbers saying horrifying things to me. Their claiming I owe them {$2600.00}. I asked for validation and I have not received anything from them. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: Bank of America reorganized my charges on my account to put a {$38.00} charge at the most recent in order to access me a {$35.00} over draft fee putting em XXXX in my 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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017, I faxed over my police report and a list of everything that needed to be removed from my credit report for Transunion. I was told to do this by XXXX and that by the 5th business day it would be removed. Well, I checked my credit report and saw that only the inquiries were removed. Nothing else. I called in, stayed on hold for 45 minutes and finally got someone on the phone in the US Special Handling Department. She said no one mishandled the account but she could see where there were some discrepancies once she went back and looked at the original documentation that was sent it. She told me that it would be another 5-7 business days to review it and then they would mail out the results. That is unacceptable. They should have removed everything while I was on the phone based upon what she saw along with the documentation that I sent in. They are violating my rights as a consumer and I have the right to file suit if this is n't fixed asap. I will also be filing a complaint with the attorney generals office and the ftc because of this. 

The accounts that should have been removed in addition to the inquiries were XXXX, 2 bankruptcies, all accounts associated with XXXX XXXX, XXXX XXXX, 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 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with Watson Mortgage Corp. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a mortgage with the First Time Home Buyers Assistance Program with XXXX XXXX of Watson Mortgage. I was transparent with him about that fact that my previous home had been foreclosed three years prior. He told me I still qualified. He had me go through the entire process which included placing an offer on a home, paying for the inspection, credit report and appraisal which totaled {$940.00}. When it came to the last two weeks ( at this point I was two months into the process ) he notified me that my income was too high for the down payment assistance program. He said the reason for this was that my loan had to be changed from an FHA to a Conventional due to the foreclosure ( which I had told him about during our very first conversation two months prior ). Without the down payment assistance I was not able to purchase the home. He was aware during the entire process that I would n't be able to purchase the home without the assistance. I spoke with XXXXXXXX XXXX superior who informed me that although XXXX was wrong in putting me through the process, he would not be refunding my expenses. At that point he gave me his superiour 's name and phone number. I called and left a voicemail but he has yet to return my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The " Experian '' report was not available at the time, so it was skipped. It will not allow me to return and review this particular report. This is the report most creditors we would like to use obtain their credit reports.

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 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The credit report from TransUnion states my SSN begins with XXXX not a XXXX. I have submitted a dispute and the only thing to come of the dispute was that TransUnion keeps sending me the credit report over and over.

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 08-07-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Citi bank credit card keeps calling for a XXXX and u have told them they have ththe wrong phone number. HAve been calling since XXXX XXXX. I auto rejected them but enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: continued calling about debt i dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is incorrect and is showing up in my credit please remove DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your XXXX Credit Score. Your credit report shows recent missed and/or late payments with creditors.

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 02/14/2017 about Consumer Loan (Installment loan) with EZCORP, INC. (CO).
Issue: Taking out the loan or lease

Complaint: The company deposited checks into my bank account and the checks were fake. My bank is claiming me responsible for the fake check amounts now totaling over {$5000.00}. the company was XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last XXXX years and this was explained to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a 70 % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. 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 explanation
Consumer complaint received 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Small late fees were being added to the principal, once and sometimes twice per month, for over a year. Called Navient, they said they would refund the fees and deduct the amount from the outstanding balance. However, I 'm so busy with life, I ca n't sit there and go through all my XXXX loans to see everything.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a charge on my account for {$640.00} that I did not make. I have tried to contact Rushcard for a week now with no help. I am put on hold for hours and i went online and filled out a dispute form and faxed it in. I have yet to receive a call, email or acknowledgement that they have received my complaint. I have also had double charges on my account and then the charges go away but my money is never returned to me.

Company response to consumer: Closed with non-monetary relief