milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2014 I lost my job working with XXXX XXXX under no fault of my own. I contacted Wells Fargo about the loss of my job and that I was having difficulty paying on my home. After I was approved for unemployment, I inquired for a short sale with Wells Fargo, Which I was then approved for. It appeared that everything was normal with the progress of the short sale. I found a real estate agent to represent me throughout this process and I was in regular contact with Wells Fargo. During the XXXX approximately XXXX I was not able to get in contact with the agent servicing the sale with Wells Fargo. I called and called back and left messages and never received a call back from the person servicing the short sale. Around late XXXX early XXXX time frame, I received a call from an appraiser about my property saying he was unable to access the premises. I told him that I live in another state and that I was unaware that anyone was needing to gain access to the property. I myself did not have access to the property being that is was broken into and Wells Fargo had secured the property. So, I told him that the property was boarded up and secure by Wells Fargo and he would have to talk to them to gain access to the property. About a month later I found out that my short sale was dropped because the appraiser could not get access to the property, and Wells Fargo billed me all the way from XXXX to XXXX when the final foreclosure notice came out. They said that I owed them approximately {$10000.00} which I could n't pay. I found a job in XXXX, but it was making less money than what I was making before. Prior to losing my job I had not been late on any payments to Wells Fargo and I owned the property for XXXX years. Wells Fargo, I told them that I was unable to contact the person that was servicing my short sale when I found out the short sale was dropped. They attempted to contact the same guy while I was on the phone. They said that they was going to send an email to him and start to reinitiate the short sale process again, but that never happened and it led to the eventual foreclosure this month in XXXX. I do n't know the exact date, but it has been foreclosed. This foreclosure has basically ruined my credit or the bank has and I could potentially lose the job that I have now because of this foreclosure. I do n't think that I was given a fair shake. I tried to do things in the proper way, but the lender became unresponsive. There was a XXXX of people that tried to work with me toward the end of the foreclosure but it was already too late. During when I was employed I was making approximately {$XXXX} a month. When I became unemployed, unemployment paid {$XXXX}. I could n't afford to pay the mortgage and live at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I received numerous harassing calls from Ad Astra on behalf of XXXX many of which have been from unknown numbers. I was receiving calls from XXXX, XXXX, XXXX as well as Unknown numbers from various representatives from Ad Astra stating that my " File was in there office ''. I inquired as to what file and what they meant when they said it was in their " Office ''. I believe these representatives were misrepresenting themselves in an effort to scare me. In general this company has been predatory from the start of the loan from APR to their collections tactics. In keeping with CFPB 's disparate Impact rulings as it relates to the Payday loan industry I can attest that Ad Astra/XXXX is in violation of predatory lending practices. Their practices and policies are discriminatory and disproportionately have " adverse impact '' against minorities including race, national origin, color, religion, sex, familial status, and XXXX. I believe there is no legitimate, non-discriminatory business need for Ad Astra/ XXXX to practice these policies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: Westlake Financial Services continued to report charge off to credit bureaus post bankruptcy. Bankruptcy was filed on XXXX/XXXX/2016. Their action violates the bankruptcy automatic stay. Multiple credit disputes by credit bureaus has not resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I do not understand why my score went from XXXX to XXXX with Transunion. It has the same exact information XXXX went up to XXXX. This disturbs me because I have paid everything on time and XXXX shows the same information as Transunion so Transunion score should not have gone down. Please, please fix this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago, a company called XXXX Collections added an incorrect collections account to my Experian credit report. Initially, I sent letters to both XXXX Collections and to Experian. Experian amended the item to say that it was disputed, but did not remove it. After a few attempts, XXXX Collections sent me a letter notifying me that the item would be removed from all of my credit reports. I sent a followup letter to Experian, certified with return receipt, saying that I was sending additional information to support the removal of this item from my credit report. I included a copy of the letter from XXXX Collections. 

Incredibly, instead of removing the item, Experian sent me the enclosed communication saying that " [ They ] received a suspicious request in the mail regarding XXXX my ] personal credit report and determined that it was not sent by [ me ]. '' The letter also says that they will not be initiating any disputed based on the " suspicious correspondence '' and that " Experian will apply this same policy to any future suspicious request that [ they ] receive regarding XXXX my ] personal credit information. " This is a serious problem, because some disputes ( such as faulty pseudonyms ) can *only* be handled by mail. Experian 's unilateral decision to ignore information that I provided - with my signature on XXXX the letter and a return receipt notice postmarked to the same address to which they sent the enclosed notice - presents an unprecedented breach of protocol. What further steps should I take to ensure that correspondence does not appear " suspicious ''? Get my letter notarized, perhaps? That will be next. 

I should add that Experian 's online dispute process has never worked for me - they have an authentication step that I can never complete, even though I know more about my life than they do - and they make it deliberately difficult to contact them on the phone. Now they have taken away the last known recourse available to me. 

Their letter includes a threatening allusion coordinating with law enforcement, but it seems to me that law enforcement should be investigating Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with JH Portfolio Debt Equities, LLC (TX).
Issue: Problem with additional add-on products or services

Complaint: The collection agency XXXX XXXX XXXX XXXX collection account does not have the right to collect if they are not licensed In your state. I reside in Texas and research through the Debt Collector Search the named collection agency office is licensed in XXXX, MO XXXX furthermore, i would like the collection to be removed 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 explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: freedom furniture in XXXX, va. contacted my command repeatedly even after i returned the merchandise and secured a letter from the store manager releasing me from any contractual obligations as i was ordered by my command., contacted my command numerous times. this continued action caused me to be XXXX from the XXXX. they have filed numerous times with different account numbers on my credit report for the same contract i was told by the store manager i had been released from. they have filed with the court of virginia after i left the state post discharge for wage garnishment. they have continued to call, mail, and as of late even emailed my trying to collect on a debt since XXXX 1997. the account has been listed as charged off only for them to refile it under a new account number as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX TransUnion correct my credit report and that made my credit score go up. 
And now it has not been a year and my score is low again. It is low because the same infor-mation that was incorrect is back on my report. I informed TransUnion that several accountshad been paid by me or the account., Is not mine. I have not heard back from them. How canmy credit score go from XXXX or XXXX in XX/XX/XXXX and now it is XXXX and it has not been a year. And then the report I received XX/XX/2015 by mail did not match my oline -report. And it said I only had ( XXXX ) Adverse Account What is going with their investgation? 
Also, my report XX/XX/XXXX had to do with medical payments my insurance companytook their time paying. I have no control when Insurance companies pay their bills. 
And this XXXX XXXX XXXX account is because my insurance company never paytheir bill. And this Hospital is known for putting bills into collection very fast. Withoutinvestigating the facts. 
Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/X/17 I mailed a letter to the company asking them to remove an inquiry from my report because I am sure that I did not authorize it. I mailed it to the address the company provided to the Credit Bureau that they pulled the inquiry from. USPS returned the letter to me with a sticker attached that read, " Return to Sender - Attempted not known -unable to forward ''. This means that the company is not providing the credit bureau or consumers with an accurate address in which to inquire about or dispute information inaccurately being reported. This is completely unfair to the consumer and a clear violation of my consumer rights. 

I have attached a copy of the envelope with the notification from the postal service, a copy of the letter sent inside, and a copy of the address reported to the bureau, pulled directly from the report provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Customer service / Customer relations

Complaint: .i purchased a vehicle for my sister, and capital one is trying to dispute the payment because we haave been having issues with them but first off i called in advance and made them aware i was making a large purchase and i wanted them to make sure the transaction did not decline and they made sure it did not normaly a XXXX purchase would naturaly be delined, so not only did they know about the purchase they made sure that it wasnt declined. then about 2 months after the purchase i was contacted by the dealership and told that capital one was disputing the charge to my astonshiment me and my father called we are joint account holders and were told by capital one that they we closing are account with no explanation why and we were free to open a new account. well w are absolutley takin aback by there poor customer service there lack of communication between difrent depts in there corp me and my father asked how we could pay off the balance owed on the card and we would not be applying for anthort account with capital one they are a night mare they said that we would be transfered to the payments dept and every time they hung up during the transfer when we directly asked to speak to a supervisor we spoke with a gentleman that not only told us that the previous XXXX capital one employees we had spoken with delibertly and knowingly had given us false information. the gentleman then proceeded to assure us that there were no issues, he had fixed everything and that are cards were still active not shut down and that we could contact him with any further issues, and apologized for the treatment we had recieved from previous employees. needless to say there of course were issues we went to use are cards again and my fathers was declineing but mine was not. so again me and my father have tried to contact capital one and see why and again we run into the same employees so me and my father say ok shut the cards down we are at are wits end and how can we pay off our balance, and capital one will not except payment from us and now the dealership says capital one is trying to reverse the charge and we will have legal issues if that happens how can they get away with that they were made aware of and approved the purchase but then all the sudden, because we called and complained about some issues we were having they shut our cards down refuse to honer any purchase we made in the past and refuse to let us pay off our balance on the card. how can they dispute a charge that me nor my father are disputing. and we are trying to pay are bill, how can they do this? what can we do? please we are so upset. and what about the dealership can they do any thing to stop capital one from reversing the charge they approved prior and were completely knowledgeable of the purchase they made sure it didnt decline and set my card so it would not decline prior to me making the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with WELLS FARGO & COMPANY (WY).
Issue: Unsolicited issuance of credit card

Complaint: I applied for a credit card through Wells Fargo in XXXX MT on XXXX XXXX 2015. I never received it but was approved. They sent it to my past addresses that were listed in my credit report. I checked my credit one day and found out that I had this card and it had been being used by someone else. I cancelled it and reported the fraud. Later I check and find out it was also connected to a checking account that I was a co on. I did specifically ask that this card not be attached to any checking account and was told that it would not be, but it was and that checking account kept getting over drafted without my knowledge and put against my credit card up to approx. {$8000.00}. Approx {$6000.00} was overdraft fees. I contacted the bank to talk to the guy that set my account up but he had already quit, I am pretty sure it was due to being forced to setup accounts like this. I had to pay it so I could cancel all my accounts with them because everything they did was a mistake and kept costing me more money. I believe they at least owe the amount in overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I had a business checking account with Wells Fargo. On or about XXXX XXXX I deposited {$60000.00} in checks from my customers of which {$15000.00} were returned. The bank on XXXX XXXX put a hold on my account and since than they are not telling me when they will release the balance {$45000.00} in funds. I call every day at XXXX XXXX XXXX and all they say we have no update and we do not know when these funds will be released. I am a small business with payroll and expenses to meet. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Professional Adjustment Corp. Of XXXX. FL., IncXXXX are the worst company ever, underhanded and not at all repeatable! 
I made arrangement to pay them on the XX/XX/XXXX and there were sent a copy of the check dated for XX/XX/XXXX. They immediately create a draft check on XX/XX/XXXX and took funds prior to they were available.This caused an insufficiency in our Bank account and this is FRAUD. I want to make sure that this never happens to anyone else. I will find ever place to post this experience with Professional Adjustment Corp. Of XXXX. FL., Inc.. Both posting on the internet and to the BBB. I am totally discussed with the creditability of Professional Adjustment Corp. Of XXXX. FL., Inc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with Alliance Data Card Services (FL).
Issue: APR or interest rate

Complaint: XXXX visa interest rate too high and credit limit too low

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MD).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I received preapproval offers in the mail from bigpictureloans.com. I was approved for just {$600.00} even though I wanted more, however for the {$600.00} the apr was going to be 677.83 % for 6months. so I would have paid over {$4500.00} over the duration. I thought it was not real so I called them up and they confirmed that apr. I don't think anybody should be allowed to rip off the poor like that, it should be illegal. they need to go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC ().
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, Ocwen continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on Ocwen 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from Ocwen in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit card () with Comerica (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/16, my XXXX XXXX benefits in the amount was STOLEN by someone using my personal information. Direct Express changed by address on XXXX/XXXX/16 at XXXX XXXX. to an address in XXXX, XXXX. I 've never been nor lived in XXXX, XXXX. XXXX seperate trips were made to an ATM in XXXX XXXX, XXXX and my account was DRAINED. I 've been back and forth witth Direct Express on NUMEROUS occassions to no avail. XXXX/XXXX/16, I went to SSA and did the XXXX. process required by Direct Express. When I called Direct Express back on XX/XX/1216, they said SSA had n't given them the information. I know that 's not true because the CSR at SSA did it while I was at her window. Direct Express is n't a reputable company to handle people 's SSA benefits. They 're not XXXX accredited, have a F rating and over XXXX complaints on XXXX. Direct Express has a vast history of fraudulent activity regarding SSI and XXXX benefits. I 've filed complaints with the FTC and XXXX of XXXX. I 'm not backing down because this is my money ; money I worked hard for and I want every penny back. Also, I 've been in touch with someone from Comerica Bank. They 're no better than Direct Express. There should be action taken against this company because they are not safeguarding our SSA benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was attending XXXX college still in my first term before they decided to close their doors. They encouraged me to take out a loan from a company named asfg. The loan amounts to XXXX with 12 % intrest. I did not get to complete my first term nor did i receive any credits and they are still holding me liable for the loan. I do not believe i owe for the loan taken out for an education i did not receive.

Company response to consumer: Closed with monetary relief