milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I have been sued by Midland Funding LLC and am currently making payments of XXXX for credit card debt. I feel that this is one of Midland 's robo-signed lawsuits and a default judgement was granted because I was under great duress at the time this was filed taking care of XXXX parents and did not understand the judicial process or have the means to fight it. Many many times I was contacted by the " Internal Legal Dept '' I have contacted Midland several times via email as to why I am not getting a monthly billing statement for this payment. I continue to pay XXXX each month but feel as though this falls under the CFPB XX/XX/2015 ruling against Midland. I was also initially told NOT to respond to the lawsuit once I had made payment arrangements after I was served - I was scared and stupid

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Midwest Recovery Systems (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A debt collection from Midwest Recovery Systems in my name was put on all 3 credit reporting company 's. The collection attempt is for XXXX dollars on a account through XXXX XXXX company just opened a month ago. I live with my parents and have not had utilities in my name for 5 years. I also have never received anything in the mail regarding a debt and the chance of it being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I filed a dispute with Transunion and XXXX to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. Transunion has decided not to remove the account from my report and dispute with XXXX is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow.
The dispute reference number for the Tansunion dispute : 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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Ive submitted a complaint regarding bankruptcy being reported on my report! Instead of following the new law that was placed, they are refusing to remove it! It is not being displayed correctly! XXXX is the ONLY bureau that successfully deleted the bankruptcy. I am going to be forced to take further action if my requests continue to be denied.

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 07/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: Information belongs to someone else

Complaint: EXPERIAN is reporting in valid accounts on my credit report I have requested their investigation procedure according to the FCRA U.S. Code Title 15 Chapter 41 Subchapter III 1681i 15 U.S. Code 1681i - Procedure in case of dispute They continue to ignore me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to find a solution to this foreclosure situation we have been facing with Select Portfolio Servicing ( SPS ) for years now. At first, they reviewed us for the XXXX programs ; then, they told us that we were not eligible due to a " business decision '' by the investor. When we questioned this repeatedly as to what that meant, we were eventually told that the investor does n't participate in the XXXX programs. Why would our income and other underwriting factors be considered if the investor does n't participate in the XXXX program? 
In XXXX of 2016, we were denied for the in-house program as well. However, the gross monthly income used for the review was shorted about $ XXXX/month even though all documents verifying the household income were submitted in a timely manner. We chose to resubmit a new application with very detailed verifications of income. SPS finally got the gross monthly income correct, but still denied us for any mortgage assistance, once again claiming that the investor did not allow for approval of the in-house program as well. When pressed, we were then told that the reason was actually that they could n't make an affordable payment based on the guidelines of the program. When we pressed SPS for more details such as the proposed modification payment and what terms were used to reach that proposed payment, we were eventually told that this is " proprietary information '' that they did n't want to disclose (!!! ). 
We have done everything asked of us to try and resolve this issue and get back on track with our mortgage, but we feel like SPS is doing everything they can to complete the foreclosure process. They have scheduled a sale date for XXXX/XXXX/16!!!! 
How can we not be eligible for the XXXX program when SPS has taken so much bailout money ( almost {$2.00} XXXX " committed '' )? Why wo n't SPS produce this servicing agreement that prohibits our loan from any participation in these programs? And lastly, why wo n't SPS show clearly how we do n't have enough income to be modified under the in-house program they offer others? It 's not right that these people keep misleading us as to why we can not get assistance and when we do n't just accept their denial and ask for details, SPS chooses to be secretive ( indicating they 're likely doing something wrong ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX, 2017 submitted disputes to XXXX XXXX and Experian - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.

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 02-04-2016 about Debt collection (I do not know) with Rushmore Service Center, LLC (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since I have n't had debt to anyone for over the last twenty or more years I 'm concerned about the frequent calls from Rushmore Service Center # XXXX in XXXX XXXX, SD, a third party collection agency that gives me at least four calls a week. I have no need to answer the phone from them, a quick look on XXXX tells me who they are. The calls from them have been going on for several months now and they need to stop. I suspect they have the wrong number and need to correct their file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I previously had a checking and savings account with Wells Fargo. In the past I have discovered fraudulent charges on my accounts, which I have successfully disputed to Wells Fargo. These charges were for relatively low amounts of money, so I never had an problem with Wells Fargo refunding my money. However, on XX/XX/XXXX I deposited a large check totaling {$12000.00} into my savings account and immediately began suffering from fraudulent ATM withdrawals in much higher amounts, ranging from {$200.00} to as high as {$1500.00} the total amount of fraudulent charges amounts to {$7200.00}. However, I did not learn of these fraudulent charges until XX/XX/XXXX. I immediately called Wells Fargo around XXXX PDT and arranged to come into the Bank in person the next day. The following day, XX/XX/XXXX, I went into the Wells Fargo location XXXX, California to formally dispute the charges and file a complaint. While Wells Fargo did cancel my debit card connected to my savings account and issued me a temporary card, I have yet to receive a refund for the fraudulent charges that had already occurred. 

Wells Fargo has confirmed that I filed my complaint ( Claim XXXX ) on XX/XX/XXXX. In response to my complaint, they sent me a letter on XXXX indicating that they would investigate the claim. They then sent another letter dated XXXX claiming that they had investigated the matter, and the withdrawals were made by me or by someone I authorized. This is false. Wells Fargo also claimed that there were " several undisputed transaction completed with the debt card within minutes of disputed transactions. '' This is also false. All of the charges between XXXX XXXX and XXXX XXXX were not authorized except the XX/XX/XXXX recurring transfer. I have attached documents of the fraudulent charges in question, as well as all the correspondence with Wells Fargo about this dispute. 

On XX/XX/XXXX, I sent a letter to Wells Fargo asking them to preserve the ATM video recordings. That letter contains incorrect dates because of a misunderstanding with a translator. The remainder of the facts in the letter are true.

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 02-01-2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have received several calls from XXXX, on behalf Navient, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including XXXX XXXX XXXX XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a charge on my statement from XXXX XXXX for {$12000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: The debt collector for XXXX XXXX bank ( Messerli & Kramer P.A . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because Messeli and Kramer P.A. are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently filed a complaint for a company by the name  XXXX XXXX XXXX XXXX XXXX . 
A XXXX XXXX Company XXXX XXXX XXXX XXXX # XXXX, XXXX, KY XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX Phone I have been contacted by this company and NO LONGER WISH TO FILE THIS COMPLAINT THIS MATTER HAS BEEN RESOLVED. 
Please remove the complaint Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EXPERT GLOBAL SOLUTIONS, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an XXXX collection from XX/XX/XXXX for {$820.00}. I refused to pay the original amount to XXXX XXXX XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX NCO financial systems for the amount of {$820.00} and i was offered a XXXX discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from XXXX XXXX XXXX asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: hi dear. Sir/madam ... I did buy a car from. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX n y XXXX that time i have good credit and i only pay {$350.00} dollars down payment. I agree to buy the car {$15.00} but they changed me maximum intereste rate 15.74 % I did pay them last payment XX/XX/XXXX after that I have financial problems and I 'm sick I ca n't pay them {$460.00} dollars so I hold them XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX by XX/XX/XXXX when I 'm 2 person came from Toyota Motor credit corporation. And the took my car. And the told me you have to call them but? that I m very help less I can not find any solution after one month the send me a later today pay them {$15.00}. I 'm from XXXX if there any chance to taking care me. So please CFPB. Help me why I have to pay them 15.72 % interest it 's almost {$13.00} dollars interest just buy a used car # XXXX thousands miles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please review my complaint. And find for me the best life. Thank you All!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I recently tried to open up an bank account with Wells Fargo but my application was denied so now Im trying to understand and figure out why??.. .I was also told by Wells Fargo that they could not provide specific reasons as to why they have denied my request. The only information they could provide me with was a XXXX number and told me that if there is anything on my consumer report that is inaccurate that I HAVE THE RIGHT TO DISPUTE IT.

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