milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: in 2014, Midland Credit Management alleged that I had a debt from XXXX. After filing a lawsuit against them, they determine that I, in fact, did not owe the debt. The debt was removed from my credit report. 

Last week, I received a letter from the IRS stating that Midland reported that I had received {$4500.00} from them ( reported on a XXXX ). I NEVER received any funds from Midland nor did I receive this clearly fraudulent XXXX. Now the IRS is stating I owe them back taxes for this amount ( I am contesting this with the IRS directly at this time ). 

Once again, Midland is causing me financial hardship, first on a debt that was never mine ( which they ADMITTED by closing the account and deleting it from my credit report ) and now, two years later, by reporting I received an income from them which never happened. 

I called their customer service center and spoke with XXXX XXXX, employee ID XXXX, and he stated that he has no record of them sending me {$4500.00} and that there is no record of them sending me, or the IRS, a XXXX. When I asked for a letter confirming this info, he said they can not send me one because I previously sued them. 

I have worked REALLY hard to rebuild my credit and Midland is once again damaging my livelihood. They are dishonest and need to be stopped from hurting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I completed my education with approximately {$45000.00} in school loan debts. A few years after beginning repayment, I consolidated the remaining {$41000.00} in debts. Over the years I have paid over {$95000.00} toward this debt. The prinicple on this loan remains over {$37000.00}. So of the {$95000.00} I have paid toward my education debt, only {$4000.00} has been counted toward paying down the debt. This seems criminal! Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Incorrect/missing disclosures or info

Complaint: PayPal changed my old PayPal account to a Bill Me Later Account without my knowledge. I ordered something back in XXXX and the merchant only used PayPal. I 've used PayPal in the past without any problems, but this time I found myself in a situation I 've never encountered. I have always paid by paper statement with pay pal and never had a problem. I realized on XXXX XXXX that I had not received a paper statement in two months from PayPal. I do n't use online billing services becasue we had our identity stolen back in 2014 and it created a problem with the IRS and we are still getting bills from XXXX company for things we have never ordered. I also do n't check balances on the Pay Pal website because they 've changed their website so much, I ca n't find anything I am looking for. It took me forever to locate their mailing address in XXXX GA where I always have mailed my payments to. I did n't realize that PayPal had quit mailing me paper statements until I made another purchase from a vendor who uses PayPal and that purchase automatically transferred me to my PayPal account. That 's when I notice PayPal had charged me with fees and interest on the XXXX purchase and I had n't paid the XXXX balance because I never received a statement in the mail. If I do n't get a statement in the mail, I wo n't remember to pay anybody. I pay everything by mail-power bills, doctor bills, XXXX XXXX XXXX bills, etc. I also noticed that PayPal has not been using my primary email account to send me notifications. If I had gotten an email from them in XXXX, I would have know then there was a problem. I also noticed that my traditional Pay Pal account had been changed to Pay Pal credit Bill Me Later. This is a misnomer if they are not sending you a bill later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I had attempted to get my credit report and to dispute things on my credit that do not belong there or enter a description of my response. I was not allowed to obtain my free annual credit report, was notified to call an XXXX #. I have tried going directly to the Transunion website, whom I 'm having an issue with, and received the same message. Called the number they provided and was told to call a different number as my report was with the fraud unit. I called the Fraud Unit, so difficult to maneuver there phone system, tells you you can apply for credit report by entering your info and a report would be mailed to you, that does not solve my issue. I called the 1st number again and was told to just enter my case number when the recording started. Tried this and after a while was finally able to get through. I explained the above and he wanted to send me to the online issues department. That is not the issue, it lies with the fraud department, I am locked out of my report, except for using XXXX XXXX that is, have no problem getting in to my report that way, just still ca n't dispute anything. Had to explain this issue 3 TIMES for him to understand what I was saying and then just tells me he ca n't do anything. This is NOT OK, this is my credit report and I have a right to dispute or comment on any item on my report. They can not REPORT things when they could be from a malicious source. I am a victim of tax fraud and just recently found out that my home network has been compromised. I have not been diligent enough in the past to keep up what was being reported but now I want to take care of my credit report but I am locked out and am being told there is nothing I can do, except for give him the information I want to dispute over the phone, NO!!! I have no idea what he is going to be doing or typing on the other side or have the assurance that it will be handled exactly how I wish it to be done.

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 01/23/2018 about Mortgage (Conventional home mortgage) with Siwell Inc (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Since XXXX XXXX 2017 my family and I have been trying to obtain a pay-off statement from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. After months and months of contact between myself and XXXX XXXX we have n't had any success in moving forward in this process, and in the interim it has cost my family time and money. XXXX XXXX has also made contact with XXXX XXXX on our behalf and they have n't received any results either. We have reached out to various chains of command form the Operations Manager XXXX XXXX to the CEO XXXX XXXX XXXX. My plans are to refinance with XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX has n't cooperated with them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I  applied for a credit card from Wells Fargo on  line and was approved within a minute. On     XXXX   XXXX   XXXX       I received my credit card. On   XX/XX/XXXX  morning I tried to activate my card on line which was de clined mentioning that my social security number did not match the card account number. I  called the phone # on the card to activate and was forwarded to another telephone #. I was told that there was a block on my card and the card was close d. The card was closed even though I had not yet activated it. I asked for information about the block and I was told she did not have information. On the  XXXX  afternoon I called again with the intention of talking to a supervisor. I talked to someone called  XXXX   (?  ) who told me that I had to go to a bank and have a bank vice-president certify and vouch for my   authenticity. I asked him if it was a common procedure at Wells Fargo and he said no. He was unable to give me reasons why I was selected for authentication.
My complaint about Wells Fargo is selective discrimination in their treatment of card holde  rs.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: De ar Sir and/or Madam : I h ave an auto loan with  Capital One  Auto Finance. My daughter was severely injured and was admitted to the hospital and under a doctor 's care for several days / weeks. I made a payment online to  Capital One Auto Finance, but unfortunately  in the confusion of everything going on, I inadvertently scheduled the payment late. Once I realized my error I called  Capital One Auto Finance and explained to them wh at I had done. I spoke to a customer service representative named "  XXXX  '' on   X/XX/17 .   XXXX  was very nice and explained to me that the payment would be fine and that I should n't worry about any " 30-day late '' on my credit report. I asked him if there was anything that I needed to do, and he said that everything was fine, to relax, and tend to my daughter. I was very grateful to him for his help and assuring nature.     I was obviously horribly shocked with  a 30-day  late showed up on my credit report, so I called  Capital One Auto Finance back. I spoke to another representative who admitted to being able to see al l the notes as described above. He very matter-of-factly indicated that he would not be able to remove th e 30-day l ate, and that the previous customer service represe ntative (   XXXX   ) ha s been fired. I found it very unprofessional that the new customer service representative would be so blunt and disclose this sensitive personnel information to me. Nevertheless, I asked what I could do. I tried to get him to understand that I had called in and was given erroneous information - he even verified everything that I was telling. No matter what I said, he simply told me that he could n't help remove the  30-day  late and if I " really wanted to '' I could appeal his decision, but that it " would n't help ''.     I am hopeful that reaching out to the CFPB will help me alleviate this concern. When a consumer calls for information on their account they rely on qualified professionals to give them accurate information. I followed what the customer service representative told me and did everything that he told me. All of these interactions were verified by the new customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 I received a voice message for an agent ofHaris & Harris about a debt they claimed I owed. I did not recognize the company or any debt I could owe to them. I checked my credit report and it listed negative information. I sent the company a letter requesting information and have not gotten any responsive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX is were I pay my mortgage they keeps putting on the XXXX credit company, s that I pay late on XXXX and XXXX XXXX keep sending to Experian letters on the mistake and also XXXX and never gets fix. I have proof that was paid on time. Also XXXX is putting on credit reports hat I owe more than what the balance is. Been send letters about this problem also.nothing is getting done to fix this problem. Hope you can help 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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 have disputed an account reporting on my credit report with Experian Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.

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 09-08-2017 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: Public record information inaccurate

Complaint: Can you please take off anything negative on my credit report from 2010 and older. I want to try and clean up my credit.

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 03/14/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Making/receiving payments, sending money

Complaint: Suntrust Bank has consistently denied access to our available and deposited funds in our account under the guise of account security. We are making purchases for items for resale and they are consistently declined - for the SAME vendors - repeatedly. These are our daily vendors that we buy from EVERY DAY. We have called and asked that this be stopped as we will continue to make these purchases to fill our orders but they REFUSE to make any accommodation. This is outright denial of use of the funds in our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: i was told that after i paid the account it was going to be removed off of my credit

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 07/20/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Greetings, I was trying to get money from my account. My stylist was trying to cash a check I gave him and he was not able to do so. Sun Trust Bank called me. I did not get the call, my ringer was off. I called my stylist and he informed me that the bank would not cash my check. I have had several problems with Sun Trust as I am used to banking at a credit union and the bank has fees and poor communication about the rules. I have had financial problems. However, in this case my balance was more than 50k on XXXX XXXX, 2017. I go into the XXXX Sun Trust and give the teller my federal id and an expired NC license with a current bank card. The teller does not accept my ids so I go to a desk and empty my purse to locate my license and the bank manager gets upset and tells me to leave. I remain calm and try to locate my license, I do. The bank manager tells me to get out of his bank. I call the police. The police mediates. I explain to the bank manager that I am checking everything he is doing against another bank and he stops the transaction. I want him at the least written up and at the most fired!

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 08/19/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (HI).
Issue: Credit line increase/decrease

Complaint: My bank is USAA. Over the years they continuously raised my available credit limit on my personal credit card without asking me and they did so while the card was maxed out or close to it. But since I was able to make the minimum payments, they kept raising my limit. I remember reading that XXXX XXXX XXXX got big fines for doing the same thing to small business. This seems illegal and predatory lending. What started as a {$2500.00} limit eventually became {$16000.00} and I never asked for credit increases. 
Then I got the flu for 2 weeks simultaneous with a pay cut and then fell behind on payments. I contacted the Member Assistance dept and asked for lower payments ( {$350.00} was became too much for me ) but they said no. All they offered was 'Pay us XXXX % of the total and we 'll close the account '. Now they have charged off the card, ruined my credit and made hard for me to get a job or apartment. I am an XXXX XXXX veteran that got suckered into this credit situation by a bank that advertises that it treats the military community special. It 's just predatory affinity marketing similar to the Rent-To-Own and XXXX places just outside the gates of military bases. They sold my debt to a collection firm after tacking on about {$2000.00} more in interest for an {$18000.00} total. Over the years I paid around {$17000.00} in interest. Crooks. plain and simple. XXXX would have knocked their booth over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (IA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are the sellers in this situation. Our buyers were working with a home loan company since XX/XX/XXXX in order to obtain a VA loan. They are military Veterans who had moved from XXXX to XXXX recently. Neither buyer or seller had realtors so we depended on good communication and a reliable loan consultant. This couple had credit issues and were told at the beginning they needed to pay down some credit cards which they did. They needed to raise their credit score. Then they were told that there was a late payment to a credit card last XXXX XXXX XXXX and they would be required to wait a year from that date before the loan process could proceed. Then they were told that their debt ratio was not acceptable. By this time the sellers were in need of a line of credit letter or pre qualification letter for our seller. The letter of credit is attached and dated XXXX XXXX however it was not emailed to our buyers until late XXXX XXXX XXXX. The seller now is faced with a penalty regarding purchase of their new home because this loan process is moving so slow. They are concerned that this loan is not going to happen. At this point in time I start to text the loan consultant and seem to get some assurance that the loan will close XX/XX/XXXX ( see attachment of texts ). XX/XX/XXXX I text the loan consultant again about closing since we have not heard from anyone and the comment if " Not at all ... speak to your buyer ''. At this point My husband and I decided to visit with the loan consultant to get some answers and when we got to his office we discovered that there were no computers, phones or employees. We finally found an employee who told us that the loan consultant that we were looking for was no longer with this company. He had moved to a new loan company that moved down the hall. According to XXXX 's website they opened this new office XXXX XXXX. My understanding is that it takes at least XXXX weeks for a loan consultant to move from one company to another so this particular agent knew many weeks prior to his move that he would be leaving Caliber. We met with the office manager of XXXX and was told she could not talk to us because we were n't her client but she did acknowledge that she knew the buyers name. The buyers have had to go elsewhere for their loan. 
I believe that this agency was unethical and did not put the customer first. I think they forgot that the 'customer comes first ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently applied for a loan for a home to find out that there was a fraudulent pull on my credit from Walmart for a credit card. This inquiry is impacting my credit and needs to be removed. I was advised by their CS line that I needed to call XXXX. However they advised me that I needed to call Walmart. No help at all XXXX Need removed

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 02/16/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent letters to Equifax about XXXX XXXX XXXX hard inquiries date of XXXX/XXXX/2015 and XXXX/XXXX/2015, which I did not authorize and I never received a response. Neither have the inquiries been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Last month XXXX/XXXX/2015, I filed a complaint with your organization under complaint # XXXX,, because Equifax continues to knowing and intentional report information that they know at face value is inaccurate. After my complaint was filed with your organization, they claimed to have opened a new investigation and that they never heard from me on the matter before my complaint to your organization. Well Today, I received a letter from them dated XXXX/XXXX/2015 indicating that they completed the investigation and the information was verified accurate and nothing was changed despite the obvious face value inaccurate information is truly conflicts with all the currently reporting on the report

Company response to consumer: Closed with explanation