milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported more than once! Accounts been transfered and closed a long time ago but still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: I was charged a total of XXXX overdraft fees for a XXXX dollar purchase I my account. When calling Wells Fargo to see if they can waive just XXXX of these fees they stated that it was my fault and they could not do anything. So I was charged over {$150.00} dollars for a XXXX dollar purchase. ( XXXX total charges of XXXX ). I spoke to XXXX people who were extremely rude and disrespectful. I do n't think that charging me this amount of money when I clearly do n't have the money is the right solution. I even had a family member transfer money into my account to try and avoid these fees and it did not go through in time to avoid this. However, the people I spoke with still stated it was my fault. This bank is clearly just trying to make money off of me and I do n't find this comforting to know I bank with them. I am very unhappy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My TransUnion credit report dated XXXX/XXXX/2016 reflects XXXX hard inquiries for credit facilities for which I DID NOT apply : XXXX XXXX on XXXX/XXXX/16 and XXXX XXXX on XXXX/XXXX/16. I suspect identiy theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.

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 05/14/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am in a Chapter XXXX repayment plan. My mortgage was sold in XXXX from XXXX to GreenTree.I received an escrow adjustment letter from GreenTree stating I have a {$2600.00} shortage in escrow and my payment will go up {$170.00} per month if I do not pay them the shortage. I called and asked what bill increased as I had checked with my Insurance and taxes. They stated that they require a " cushion '' of {$3900.00} in escrow and if I did not pay it then my payment will go up. It was not my choice to be transferred to GreenTree, I do not have {$2600.00} to pay and I can not afford another {$170.00} a month simply to cushion the account. If I pay the {$2600.00}, my payment will drop to {$1300.00}, this is {$50.00} less than what I pay now. I asked how much I can pay to just stay the same an they said that is not an option. I feel like this is blackmail. In this scenario, EVERY mortgage transferred to GreenTree will have to pay a huge fee or suffer a big jump in mortgage payment. It was not my choice to be transferred. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Savings account) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, 2017, I inquired online to get interest rates and yields for 5 ( 12-60 months ) staggered American Express Certificate of Deposits. They asked me to log into my Personal Savings Account with them, and select CDs ( 12-month, 24-month, etc. ) that I wanted to learn about, prompting me several times to select the button " Next '', without giving me the information I was seeking. I got tired  and suspicious and, so, I closed my login and the web-browser. Later, I went to their competitor, XXXX XXXX website. Their interest rates and yields were clearly and transparently displayed on their website, and considerably higher than those of American Express Bank and, so, I opened an account with them, selected CDs, and for funding I referred them to my Personal Savings account with American Express. They deposited nominal ( small ) amounts into my account, and asked me to log into my account, and report back to verify. When I logged back into my American Express savings account, I was horrified that they had already withdrawn the entire amount for five CDs from my account. I instantly called their customer service operator and supervisor who told me that it was a " done deal '', I had " bought '' those CDs, and I could pay pre-mature interest penalty and cancel this " sale '' but, otherwise, there was nothing they could do. I wrote a US Certified mail complaint of deceptive " sale '' by the bank ( with copies to Federal and State authorities, and FINRA ), and called back again when I was told that the account was locked by Banking Operations and that someone will get back to me within 7-10 days, but no one did. I wrote another letter, a few days later, when I received a pro forma reply essentially stating the above rule that I could cash these CDs, i.e., rescind this " sale '' after paying a pre-mature interest penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have been a victim of identity theft for over XXXX. I have some unauthorized and fraudulent credit inquiries listed on my Equifax Credit Report do n't belong to me. The following credit inquiries are unauthorized and fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. The following address do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Account opening, closing, or management

Complaint: I closed my Wells Fargo bank after leaving Wells Fargo XX/XX/XXXX. I received at Collection notice XX/XX/XXXX for an account I went in the bank to close. I closed this account due to XXXX XXXX Missouri only having one Wells Fargo Branch Available. The only branch I would no longer have access to since it is located in the Wells Fargo Campus Building. I do not understand these charges and have since reached out to them with no help or answer insight. I find it troubling that this account was still open but no statement were sent to me. But the collection company has my address correct being Wells Fargo gave it to them.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX    XXXX   Account #  XXXX  ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Payday Loan company continually calls my family, they have asked for them to stop calling them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I obtain a mortgage loan from Finance of America in XX/XX/2015 and I send all my payments every month electronically from my bank. In XXXX someone from XXXX calls me to inform that they dis not receive a payment in XXXX and in a threat matter they said if I do n't pay by the end of the day that they will report me to the credit bureau and that I need to proved to them proof of payments. The person on the phone became some what hostile and repeated again that I must send them proof or they will report. I responded that that is an error on their part, all my payment are sent from my bank. I sent all the proof obtained from my bank and called them to send me back in writing that they received my information requested. I called and email several times asking them for proof in writing and the only responses are, " we will get back to you ''. Now my credit has dropped and they seem to not care, I am struggling with this to the point that I am thinking in getting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requesting validation of debt owed regarding the {$5100.00} XXXX balance and Agency Fee {$1600.00} totaling {$6700.00}. 

{$1600.00} Agency fee can be considered as a unfair practice. 
The extra fees are not permitted I requested Cedar Financial send the original credit agreement where it states that {$5100.00} can be increased to {$6700.00} due to agency fee. 

I asked for payment options of 12 months or more. The agency would not allow more than 12 months or but promoted a XXXX lump sum payment. 

Cedar financial Ph : ( XXXX ) XXXX XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.cedarfinancial.com XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,  2016   XXXX   XXXX   XXXX  submitted a bill to the credit bureaus in the amount of {$30.00} that I had no knowledge of and it also did not belong to me. I have tried disputing this account several times and nothing seems to happen. I 've also requested verification for this account which the company has not provided me with.

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 06/23/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX working with homeowners on modifications of their mortgages. When the modification involves placing the arrears at the end of the loan the permanent modification documents indicate the current principal balance ( ex. {$100000.00} ) and then the balance of the new modified mortgage ( ex. {$140000.00} ). The balances are regularly significantly higher but there is never a breakdown as to how they got to the higher number. There could be errors that are made but the homeowners are signing onto the higher amount out of desperation. What are the arrears, taxes, attorney fees, costs etc that are being included? The banks have to have the breakdowns readily available. They should be required to provide them in the permanent modification packets.

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 03-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery is contacting my family members when I never submitted their contact details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was in Florida and when I exit the toll, there was no place to pay the money. I received a letter from AllianceOne, Receivables Management, XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX. AN : XXXX ; Ref # XXXX. I purchase a Transponder and went on XXXX website and activated it. I called AllianceOne twice and spoke to a XXXX XXXX and another unnamed female. I pointed out the extra charge of {$13.00}. XXXX refuse to remove the fee so I can pay the account. I feel this is unfair since I have a XXXX account. Your assistance is required.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened  XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Transunion XX/XX/2012 about removing XXXX tax liens from my credit report. I was a victim of identity theft and a business was opened in my name. The business then failed to pay State Sales Tax resulting in tax liens filed against me. I was told I had to provide a police report which I have multiple times to get these removed from my credit report. XXXX was able to remove them with no issue YEARS ago from my credit report. Every time I speak with Transunion I am told the exact same story, that the documents have not been received and they 're unable to remove anything without them. Despite multiple faxed copies, that show as being received by the fax receipt and mailing multiple copies including certified copies, the company still claims they have not gotten the needed information from me. The company refuses to provide me with a direct contact or direct email address of where I can send this information. This issue has been on going for FOUR years doing damage to my credit and is not expected to be removed for another 2-3 years. This is completely unacceptable. I have sent in the requested documents multiple times only for them to be " not received ''.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND 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 06-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: 2016 MidLand Agency for XXXX XXXX, is claiming I owe but I paid them in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I do n't owe this amount it has date of  XXXX  opened for {$100.00} I was never notified that I owed any amounts I could have provided proof and dispute it they sent straight to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Mailed in payment to settle debt in full but  Portfolio Recovery Associates, LLC continues to report a balance on my credit report. The company had previously sent me an offer letter t o settle the debt to pay {$590.00} and that is the amount I wrote the check for. I specifically wrote on the check that the amount settles the account in FULL. The check was cashed o n   XXXX   XXXX    2017. T h e company has updated my credit report showing that I owe {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On or about XXXX XXXX, XXXX, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced XXXX, Experian and XXXX. 
There are no problems shown in the XXXX or Experian reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.

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 06-09-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Student loan help seems to focus more on the younger generation. I finished school in the XX/XX/XXXX. My loans are well above {$200000.00}. I am in the income driven loan repayment plan. Because there are times when my income increased, I have to pay more money back monthly. I can not save to do some of the things I made a sacrificed to educate myself for because of how much I have to pay back. I am XXXX years old, a 21 year XXXX and can not save enough money for a down payment on a home. I did not come from a wealthy family. There was a time federal laws allowed students to write off loans through bankruptcy but that seemed to end a more students XXXX stated continuing through higher education. I am afraid to allow my loan payments to lapse because I do not want to hurt my credit. I have been told if I pay the loans for 10 years without a missed payment the rest will be wiped out. I want to live the American dream but do not know how. What are some other methods possibly that could be used to help those of us who were educated 20 years ago and have a large repayment debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation