milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XX/XX/XXXX 2017 ECMC called my co-works and harasses my co-workers and manager. This is totally unprofessional and not acceptable. These actions must stop.

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 03/24/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Called business cell phone, asked to be removed from list did not do so. Continued calls to business cell phone. 
Debt that is trying to be collected is debt that has been sold to XXXX or XXXX seperate collection agencys all of wich are trying to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Debt collection (Non-federal student loan) with Asset Recovery Solutions, LLC (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Continued to call during all hours of the night and repeatedly contacted on Sundays all day

Company response to consumer: Closed
Consumer complaint received 11/17/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX XXXX and NCB financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XX/XX/XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home equity loan with Wells Fargo. Loan was due and payable XX/XX/XXXX. I started talking with Wells XX/XX/XXXX knowing I could not pay it off in XXXX. After about six months of talking they said they would be able to set me up with a payment plan. I said ok great what 's next. Wells told me I needed to make three months of trial payments to see if I could " afford '' it. I complied with their request made all the payments on time. Fast forward now to XX/XX/XXXX the loan they presented to me and both parties agreed to is still not completed. Wells Fargo now has reported me as being late and ruined my credit. They also mistakenly added a escrow account to my first mortgage and caused my payment to go up {$300.00} per month. So through this whole process Wells has crippled my credit and made my first mortgage payment go up and I still do not have a payment plan in place. I just want to get this payment plan done and my credit restored. I have lived in this house for 27 years and have never missed a payment on the first or second. Also I keep getting late notices and foreclosure threats. I always call to ask about the letters they tell me just ignore them your loan is in process and you should not be getting the letters.

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 02/15/2016 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Delinquent account

Complaint: Care Credit. Im having XXXX over this. we have made several attempts to take care of a past due. Its my husbands account. we work different shifts. he was here today and talked with them on the phone, he gave ALL permissions for me to talk with them about his account. collections, payments, everything, he gave the phone back to me. he then left for work. I then made sure with that associate, that before they transfered me, that it would be Ok to talk with me. He said absolutely, he will note it and made sure the next associate knows its Ok to discuss this account with me. I was tranfsfered to XXXX in the hardship department, at approximately XXXX XXXX this day XX/XX/2016 pacific time zone. She refused to discuss this hardship program with me, without getting permission again from my husband. He had left for work already as stated above. I asked if they could mail us the paperwork, She says No. I asked to be transfered to her manager XXXX XXXX, answering machine was full. They have been calling my phone off the hook and calling my husbands phone and calling my work. We have made our best attempts at resolving this matter. And its now causing me medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with Hauge Associates, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Apparently a medical bill for my daughter was unpaid. I was not contacted even though I have kept the same phone number after our divorce. I have always requested that my mail be forwarded to my most recent address. I have lived in the same small town for more than 10 years. I am in the phone book. As soon as I learned that there was a " bad Debt '' on my credit report I contacted both the collection agency and the medical provider. I have since paid the medical provider in full. The collection agency ( Hauge and Associates ) still 1 ) Has me listed as owing XXXX on my credit report and 2 ) Is still expecting to collect a fee for something they neglected to even try to bring to any sort of conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: Was not provided with a TRUTH IN LENDING DISCLOSURE or a HUD prior to sitting at the settlement table. I do have copies of several emails I sent requesting this information beginning 14 days prior to the scheduled settlement date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated XXXX/2016 to be deleted from my file. I have disputed this at least ( 4 ) times. Attached is a copy of the tax which clearly shows the tax lien does n't reflect my SSN or DOB.

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 06-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: Just found out that I 've been paying for years through my Bank of America account for something called XXXX. Called BOA and they say it 's a XXXX party charge. They transferred me and XXXX says my husband signed up for this and they wo n't cancel it. Called BOA back and told them I wanted them to stop the charge from going through anymore and they refused. I apparently have been paying for something that I was unaware of. My money goes into this account, my name is on the account and I ca n't stop them from taking my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Account is time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My  XXXX  credit bureau was pulled by  XXXX / XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 10/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is taking over 30 days to send dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. In addition, NationStar Mortgage has repeatedly denied us help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause.. Now NationStar Mortgage instructed and allowed the Foreclosure Trustee named XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, we hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.

Company response to consumer: Closed
Consumer complaint received 09/18/2015 about Payday loan () with Enova International, Inc. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened an account with Best Buy about 5 years ago and I have noticed another company stating that I owe Citi bank who I think is best buy {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to best buy and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

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 07-07-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Closing/Cancelling account

Complaint: It is very simple. Citi closed XXXX of my LONGSTANDING credit card accounts because I did not use it enough for them to make money off of me. They did not warn me in any way that they were going to close my account. By closing the account, without warning, they have messed with my credit history and therefore my credit score. I could have EASILY used the card had they provided me with some sort of warning. Once again, a huge company is thinking of its ' bottom line and completely disregarding their affect on the consumer!

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 11/14/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: XXXX card was separated from Costco in XX/XX/XXXX. Citi took over the account in XX/XX/XXXX. We had the amounts charged to Citi auto paid. At the end of five months, Citi has taken more money from our account than we owe. by {$680.00}. After more than two and a half hours on the phone with Citi, and XXXX emails, their only response is that we can go over the line items charged, line by line. The question is not what we have charged its that they are not applying the money that has been auto paid to citi. I have documentation of this. They will not accept the documentation. However, they have added erroneous charges to our account. I have taken the auto pay off the account. I have the paper statement now, and the amount Citi says we owe has grown inexplicably. Citi can not explain it either. I would like someone to review our payments, that Citi agrees we have paid, verses the charges that Citi says we still owe. To date, they now owe us {$680.00}. Please help!

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, XXXX UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph XXXX XXXX XXXX, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX ii XXXX, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from 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 non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hard pull credit without 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 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a 2nd issue, the information is also inaccurate and incomplete. I disputed this information with XXXX, Experian and XXXX. XXXX has recently deleted the XXXX tradelines. Only XXXX & Experian are still reporting. To date, I disputed the tradelines 3 separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least 2 separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and XXXX & Experian did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my XXXX & Experian credit files & 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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom this may concern, I sent TransUnion a letter date XX/XX/XXXX requesting the removal of unauthorized credit inquiries. I informed TransUnion to provide me with accurate documation that I authorize the inquiries and provide permissible purpose of the inquiry. TransUnion responded to my letter on XX/XX/XXXXstating that I have to contact the original creditor regarding the inquiries and they didnt provide any investigation regarding the inquiries and by FCRA law I know that TransUnion is responsible for investigating inaccurate information. I sent TransUnion a 2nd letter regarding the inquiries dated XX/XX/XXXX as a response to there letter, requesting again that unauthorized inquiries be removed along with my updated credit report highlighting all unauthorized inquiries. TransUnion has failed to provide me with any further information regarding these hard inquiries. I have attached to this complaint claim the letters that were sent to TransUnion along with USPS certified tracking information for date of receipt references. My credit score is my reputation and reporting inaccurate information without investigation is unfair to me as a consumer. I hope this can get cleared up as soon as possible. Thank you so much.

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