milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I hired XXXX to assitmen in having negative and old information taken off of my credit report. Experian has been sent several request to remove several items and challenges to what they where reporting and they have not responded. these request have been sent to them more than 45 days ago and they continue to report false and inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: just received a notice from Gulf Coast Collection Bureau Inc. stating I owed {$58.00} for a XXXX on XXXX/XXXX/15. I am on Medicare and Medicare Gap so would not have any outstanding bills. Also never ever received a notice regarding this {$58.00} until today ( one year later ). Checked their background and found many, many complaints with the same issue. Clients had paid their bills. 

I 'm concerned that this will affect my credit rating. Hopefully they can be removed from the collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with CORELOGIC INC (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CREDCO XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

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 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ALLY FINANCIAL INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In the XX/XX/XXXX-XX/XX/XXXX time frame I had a mortgage serviced by a subsidiary of ALLY Financial Inc . The subsidiary illegally filed a foreclosure action after mishandling my mortgage modification request and application. The subsidiary subsequently filed for Chapter XXXX Bankruptcy. I request my concerns be addressed by the parent company Ally Financial. 
The problems with the subsidiary GMAC Mortgage/XXXX XXXX. 

I request that the irregularities with misuse of Allonges, Robo signing, disregard for due process in the handling of jurisdictional requirements in the foreclosure process and a lack of standing by Ally Financial 's subsidiary be addressed and resolved by Ally Financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: IN   XXXX  , WE WERE HAVING DIFFICULTY PAYING OUR MORTGAGE. WE WERE TRYING TO LOWER OUR MORTGAGE AND THE COMPANY REFUSED TO DO SO AND IN THE PROCESS WE HAD TO DO A LOAN MODIFICATION TO LOWER OUR MONTHY PAYMENT. THE PAYMENT WAS DROPPPED AFTER THE MODIFICATION BECAUSE WE WERE I N ARREAS FOR ( 8 ) MONTH S, THE COMPANY ADD THE ARREAR TO THE BACK END OF OUR MORTGAGE AND WE WERE TOLD THAT WE DID NOT HAVE TO PAID THE ARREAS UNLESS WE SELL THE HOUSE. THIS IS OUR ONLY HOME AND ONCE WE DID THE MODIFICATION THE MORTGAGE COMPANY GIV E US A BALLON M ORTGAGE INSTEAD OF A FIX MORTGAGE AND IT IS A ( 40 YEARS ) MORTGAGE. MY HOME IS NOW DUE FOR A REFINANCE AND WE WENT TO THE BANK TO DO SO BUT UNFORTUNATELY, WE WERE UNABLE TO. THE MORTGAGE COMPANY TOLD US THAT THEY HAVE TO ADD THE ARREAR BACK ON THE LOAN BUT THIS IS NOT WHAT WE WERE TOLD NOW WE ARE STUCK AND DO NOT KNOW WHAT TO DO. PLEASE HE LP US!

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is a result of identity theft. I need it removed from my XXXX report immediately. It has been eight years since this debt and it has to be removed. The company is Unifund CCR LLC. They have put a lein on my property located at XXXX XXXX XXXX XXXX. I need it removed because I am selling the house. I will settle with them at a low price, too.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I obtained my free credit report and noticed a XXXX XXXX XXXX Credit card on my report which shows delinquent payments. I never opened a XXXX XXXX XXXX Credit card. I tried to have the credit bureau do an investigation but they keep saying the account belongs to me. In the results document they suggest I contact XXXX XXXX XXXX which I have done several times. They concur that I have never had a XXXX XXXX XXXX credit card. But since XXXX XXXX XXXX has no record of even reporting this to the credit bureaus they are unable to do anything for me and tell me I need to go back to the Credit Bureau again to have they reinvestigate this. I have done this 2 times already with no resolve. I am not sure what to do at this point and want this removed from my report. I am not sure how the credit bureau investigates disputes but when I call XXXX XXXX XXXX and provide my SSS # they bring up my profile and verify that this is not my account. Here is the Account number XXXX .... I am unable to provide that last XXXX digits because I do not know them. 

Please advise. 

Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed these accounts ( dismissed chapter XXXX BK XXXX and XXXX ) and was deleted from XXXX the other bureau, but I have not good resulted with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of refinancing my existing mortgage to drop the PMI Insurance, with the same bank, Wells Fargo, that is holding the current mortgage. I am not changing the terms of the loan or cashing out. I 've owned the home for 3 years and have done a lot of work, it was bank owned by Wells Fargo, when purchased for XXXX and in non livable condition. When I locked in at a rate to refinance I was asked what I thought the house was currently worth. I told the lender of comps that had sold between XXXX in the past 6 months, these homes were smaller in size and my lot was XXXX the size, I also am directly on a pond with water views. Well the appraisal that I paid for came in at XXXX, which seemed odd to me but that 's not what rattled my cage. My lender then told me that the terms of my refinance were going to have to change because my house did n't appraise out to at least XXXX. I am baffled at this. My house has about XXXX in equity which is about 56 % increase. I was only looking for 20 % to drop the PMI and now I 'm being told that my rate will be higher to do this. I 'm very angry because I had other banks who offered to push this through and would hold to my current rate which is XXXX. I stayed with Wells Fargo because I thought it would be easier and I could keep the loan with them. They were the bank who originally owned the house when I purchased it. I was not informed that if my appraisal did n't come out at XXXX my loan terms would change??? I was locked in and was told I just needed to show a certain debt to income ratio and have the appraisal come out over 20 % to drop the PMI.

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 10/15/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TN).
Issue: Managing the loan or lease

Complaint: I financed a car through Wells Fargo Dealer Services XX/XX/XXXX. The car that I purchased was wrecked and totaled XX/XX/XXXX. I informed Wells Fargo of this and was advised that would freeze my account and all I had to do was wait for insurance company and Gap to pay off car. XX/XX/XXXX after Wells Fargo sent false information to the credit bureaus stating that I had not made a car payment since XX/XX/XXXX. I called Wells Fargo and they denied this in the beginning. Then they stated that since Gap insurance ( a subsidy ) which is affiliated with their company covered all except {$800.00} that put me in default on the loan and showed where I have not paid. I advised Wells Fargo this is not what I was told, I was told that I would be okay and my credit would not be affected. I sent information into Wells Fargo and was told that it was my fault and problem and there 's was nothing they could do to correct it because I did n't pay. I have sent several email as well as reported this institution to XXXX. Wells Fargo has reported to every bureau stating that I defaulted on the loan since XX/XX/XXXX and this has been reported every month up until XX/XX/XXXX. Wells Fargo stated they called me on XX/XX/XXXX and advised me of the default and I told them that is not true and I do n't like being lied on. I also said since you 're stating you called me pull the call because calls are recorded so pull the call. Wells Fargo have lied and destroyed my credit as well as my credit score. They try to attach a document showing where my insurance had lapsed in XX/XX/XXXX with XXXX but failed to mention that I was paying insurance through them which paid the car off. The car has been paid off yet they are still reporting that they have n't received payment. I advised them that I wanted this corrected on my credit report because this is not true, I never missed a payment. I also shared with XXXX that i was unable to get into my account after I reported that the car was wrecked and Wells Fargo said it was because I was in default and therefore I could not see any information regarding my account. This institution is very corrupt and I told them I will fight this because they lied to the credit bureaus and they are lying stating I was informed and advised that I would default on a totaled car while waiting for insurance pay off if I did not make payments. This is unacceptable and this is a practice that they are accustomed to doing. They provide false information and then blame the consumer. I would advise everyone to steer clear of this banking institution because they have no morals. They are very devious and deceptive with customers and they report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: OnXX/XX/XXXX I contacted my lender, Freedom Mortgage to request that my PMI be removed from my loan since my mortgage balance had dropped below the required 80 %. The original loan amount was {$210000.00} and the balance owed as of XX/XX/XXXX statement was {$160000.00}. I was asked to fax a letter to the lender requesting my PMI be removed. I was told that I would receive instructions on what to do in a few weeks. As of XX/XX/XXXX I had received nothing from the lender so I called. After 3 attempts with different staff I was told that my fax was n't received. I have a fax received confirmation. I was asked to email my request so I did on the same day. Today I received a call from the lender and was told that I had to order an appraisal and pay for that myself. I told them that since my balance owed had dropped below the 80 % the PMI should be removed automatically. She also told me that since I was making accelerated payments this posed a potential issue, I did n't understand this statement. My minimum payment is {$1500.00} and I have been paying {$2500.00} to pay off the loan faster.I was put on a long hold and the staff came back on the line and said she was trying to reach a manager. I asked her to please call me back since I did n't feel me waiting for over 20 minutes was fair. I have heard nothing since the then. 

I have attached a copy of my XX/XX/XXXX loan statement and copies of my fax request, fax receipt confirmation, Email request and email receipt confirmation.

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 05-09-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery Associates LLC is threaten to sue me on time-barred debt in XXXX XXXX XXXX, Florida local case number in XXXX. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX filed the complaint without notification of the compliant. This debt occurred between XXXX and XXXX. I never received service of process about the court filing and hearing set for XXXX/XXXX/XXXX. I came aware of this lawsuit and date of hearing by searching the clerk of the court website for some other matter. This is unfair practices by the company and attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: When Collection agency first contacted me, I was only told that if I did not pay the debt off, my name would be reported to all XXXX credit bureaus. I was not told I had the right to verify the debt and that by disputing it, I would not have to pay anything until the issue was resolved. I agreed to pay XX/XX/XXXX, but only found out by mail a week later that I could have disputed the debt until I received verification. I then wrote to the Collection agency as did an attorney on my behalf asking them to cease further collection until the dispute was resolved. They still automatically withdrew money from my checking account this month, putting me in a very awkward position financially.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (NY).
Issue: Account opening, closing, or management

Complaint: I had a CD with Synchrony. When it matured, they rolled it over without asking ( fine print in the contract ). I called TWO DAYS later, but they were adamant. Told them they can keep the interest earned since it rolled over, but they charged interest on the FUTURE time that the CD would be with them - six months ' worth. 
I called and explained there was a death in the family and that is why I needed the money. They asked for it in writing, saying they would break the CD and not charge a fee. 
I sent them the letter, but they never bothered to respond. They mailed a check, deducting the money they basically stole from me. They took half of the interest from the previous year. 
When I called, their representatives said they had made a mistake, but that they would not pay for it. They did not hide the fact that they had my money, there was nothing I could do about it and that they did not care what their customer thought of their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I paid my vehicle off and received the pay off letter from Santander Consumer USA on XXXX/XXXX/2015. The letter states to allow 30 days for the credit reporting agencies to update their records. As of today 's date, XXXX XXXX, 2015, XXXX shows the account as a Repo with an out standing balance? The vehicle was taken XXXX XXXX and I picked it up the same day? The following month it was paid in full. Santander credit dispute department states they forwarded the information to all XXXX credit reporting agencies. XXXX is saying they never received it? The 30 days to update has passed. I would like for the status of that account to show " Paid in Full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 1 ) I have sent letters to the credit reporting agencies : XXXX, XXXX, and Experian, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent  automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rauch-Milliken International, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Our company, XXXX XXXX XXXX XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, XXXX & XXXX, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX XXXX an advertising company based out of Utah XXXX. On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX Rauch Milliken International , Inc., stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.

Company response to consumer: Closed
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, XXXX XXXX XXXX which is my legal name, there are so many AKA 's it 's crazy I want all removed. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Trident Asset Mgt XXXX a collection company out of Georgia contacted me threatening me with legal action regarding a check that was written by an old employer that I provided to their supplier. I am not the owner of the check, it was a corporate check for my former employer. I have sent XXXX dispute letters to the company, XXXX to a gentleman name " XXXX '' and then a woman name " XXXX '' via fax, and still no response. It has been more than 30 days, almost two months and no resolution. I am not financially reliable for a corporate account, or something my previous employer is responsible for. Please help me rectify this matter.

Company response to consumer: Closed with non-monetary relief