milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CO).
Issue: Application, originator, mortgage broker

Complaint: Seterus, Inc. has had my loan for the past two years. They have not XXXX treated me like I was a valued customer, just another number, a nuisance, gave me only the information that I could think to ask for at the time, and never let me speak to management when I was dissatisfied. They treat me like a XXXX citizen, payoff requests take two weeks, and I have been trying to refinance since XXXX of 2014. They did not disclose that I showed delinquency, which delayed my refinance, they made it impossible for me to get a simple process completed without jumping through hoop after hoop.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not  sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXXI contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XX/XX/XXXX, XX/XX/XXXX and Experian concerning this debt and I havent received a response!! This has been going on for 5 months are so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MI).
Issue: Taking out the loan or lease

Complaint: My wife a nd I purchased a new vehicle. We went through Wells Fargo for our loan. Less then a month later, we refinanced with our credit union. Wells Fargo signed off on title and sent a letter releasing the lean. After a month went by, we received a bill from Wells Fargo that we owed them money. I contacted Wells Fargo and tried to resolve the issue. I informed them that we received letter of release and that Wells Fargo was not on title anymore. They said that we still owed them money and it needs to be payed. I stated that my credit union payed off vehicle and they where new lean holders. I informed them I was not paying. I asked for a manager and she was completely RUDE! They reported to all credit bureaus that i was late on payments a nd this dropped my credit over  XXXX  points. They also sent us to a internal collections. I 'm still trying to resolve issue at this time. I have submitted disputes with credit bureaus. this is a very long and stressful process! I am absolutely apald hoe they can destroy my credit so easily and not care that we have evidence to back our self up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with NCC Business Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have no knowledge of the a debt thats being reported on my credit report. I 've disputed this asked for verification of the debt and with no response from the company, I called the listed original creditor and informed them and was told I must contact NCC, no one will give me information, I filed a police report and disputed with CRAs, this is ruining my credit and its not my debt! When I call NCC I constantly get transferred and hung up on when they realize im not paying a 2k+ debt that is NOT MINE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Concord Servicing Corporation (SC).
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: Dispute Concerning XXXX XXXX XXXX XXXX Blackwell Recovery Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through XXXX and Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION 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 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been paying on my student loan since 2007 at 9.5 % interest to Navient ( Account # XXXX ). I called them about 2 months ago when I noticed not even half of my average $ XXXXmnth payment is going towards interest. They were aloof and never acknowledged the discrepancy. Only after understanding they were n't going to help me understand this or do anything about it, I threatened to complain. Again, they could care less. Since seeing that Navient is being sued for reasons such as this, I finally understand why they treated me the way they did.

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 AMERICAN HONDA FINANCE CORP (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: i wrote a goodwill letter to Honda financial in XX/XX/XXXX in regards to my old XX/XX/XXXX Honda account showing up on my credit report and needing to be removed. I spoke with a representative who advised me he would have my late payments removed from the account. Instead what he did was changed the days late and did not remove any payments. I then spoke with Honda again because my second lease was ending. I was told by that rep that if i stayed in the Honda family my oldest XX/XX/XXXX account would be removed. When i went to the new dealership they said Honda refused to remove the old account and actually wanted to charge me HIGHER for a new vehicle if i stayed with them. when i called again they transferred me to a different woman who said to write another letter and dispute it with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: I am writing regarding inaccurate information being reported on my XXXX Credit Report by Credit Acceptance Corporation located in XXXX, MI. My auto loan account with this company was included in a Chapter XXXX Bankruptcy, which was filed XX/XX/2016 and discharged XX/XX/2016. Upon reviewing my XXXX credit report after the bankruptcy discharge, I noticed that the company reported I " failed to pay '' XX/XX/XXXX. My account was paid and never late prior to the bankruptcy filing. Additionally, I continued to make payments after the date of bankruptcy filing date. In the end, the vehicle was included in the bankruptcy. 

I have filed multiple disputes with the XXXX Credit Agency regarding Credit Acceptance 's derogatory information, which included my bank statements verifying that I have never made a late, only to have the company respond to the dispute confirming that the " failure to pay '' is accurate. 

The negative " failure to pay '' that is being reflected on my XXXX Credit Report is causing my credit score to have nearly a XXXX point difference than the other XXXX credit reporting agencies. This is a significant difference and has impacted my ability to rebuild credit after my bankruptcy. The substantial difference is a red flag to potential creditors.

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 06/13/2017 about Debt collection (Credit card debt) with Hayt Hayt & Landau, P.L. (FL) (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Collection Agency Hayt, Hayt & Landau representing themselves as LAW OFFICES representing XXXX XXXX XXXX Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in XX/XX/XXXX. The company had previously changed names from XXXX to XXXX. I have bank statements showing final payment of {$200.00} in XX/XX/XXXX. No other bills were received after that date because the account was closed at my request in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aurora Enterprises, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I moved out of a home and there was communication between myself and the homeowner the amount I owed her. The amount was {$1000.00} and she emailed me with this amount from her email address. When i reviewed my items on my credit I found the amount from her was incorrect. I communicated this information via phone to the collection company listed on my report.The company then asked me to email them the conversation between the homeowner and myself in which I immediately did. I did not hear a response from the company so I reached out to them again, still no response, yet again I sent another inquiry using their site hat is listed online to contact them. The only type of response I received from them was when I ws notified that I was going to be garnished from my paycheck in the amount of {$3800.00} starting on XXXX/XXXX/2015. When I contacted the agency they stated I was served in which I was not and I explained this to them. The person I was speaking to XXXX XXXX XXXX XXXX then asked if I was XXXX '' and I replied no I am not, I am XXXX '' and this is also on my drivers license. XXXX stated the company they use to serve legal documents is called XXXX XXXX. I tried explaining to XXXX that the amount was incorrect and she told me I was also being billed for attorney and court costs. The amount that will now be taken from my paycheck bi-weekly is {$380.00} minimum which equals to approximately {$770.00} monthly. It seems asif the collection company took advantage of the fact that they seen I was willing to pay, but only the correct amount and decided to get as much as they could to make more money off of the account. I did not dispute the debt was mine, but only the amount due. I let the agency know this debt could have gotten closed out much sooner would they have responded and corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I purchased a car in XX/XX/XXXX And I got turned down from XXXXXXXX XXXX. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called sagestream Llc. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The transactions are not in order and some are not processed immediately unlike others and it seems weird.

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 07/21/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: In XXXX 2016, I called Wells Fargo Bank , N.A . to see if my husband and I could get pre-approved for a VA Loan. We were pre-approved and began searching for a home. On XXXX XXXX, 2016 we made an offer that was accepted on a home. We promptly uploaded all the required documentation to Wells Fargo. Then we arranged for the home inspection, pest inspection, the required survey, paid the earnest money, etc. Wells Fargo accepted payment and arranged for the appraisal. Once all inspections, appraisal, and survey as well as everything on our end was completed and we were within a couple weeks of closing, I was notified that Wells Fargo would not honor the pre-approval. I was crushed. Our past 12 months work history was cited as the reasoning. I am told by them that VA has very strict rules about work history. Wells Fargo was absolutely aware of our past work history prior to giving pre-approval. We have near perfect credit, 20+ years work history, and had a VA loan with Wells Fargo a year ago that we never missed a payment on. Because of the actions of Wells Fargo , N.A . we will suffer a loss in the amount of at least {$2500.00} at this point if this loan is not approved. That 's just the monetary loss. Most of the joy of purchasing this new home has been completely quashed by these events. Had we not been pre-approved, we would have waited to start our house search until we were in a position to be pre-approved. We would never just throw over {$2500.00} out the window. I called the VA Loan Production Department this morning and they looked at the activity for my social security number. Although Wells Fargo did pull a copy of my Certificate of Eligibility on XXXX XXXX, they never submitted any application to the VA. I spoke with them about the details of our circumstances. They stated that there are provisions in the VA Lender 's Handbook for approval in this type situation. I sent an email to the originator as well as his supervisor at Wells Fargo citing the chapters and sections of the handbook that the VA suggested they review, also noting that the Lender 's " handbook also says that it does n't deal with every possible circumstance that will arise, therefore, underwriters must apply reasonable judgment and flexibility in administering this important benefit. ''

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 12/16/2015 about Debt collection (I do not know) with JLU Asset Management Group LTD (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm being called by ( XXXX ) XXXX. He wont tell me his name, what company hes calling from and is asking for XXXX XXXX, and " you must know her tell me where she is. '' He keeps calling and will not let me talk to a supervisor because he says he is the supervisor. Very rude on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It was reported that Equifax breached confidential information of its customers because of a hack to their database. 

On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: 1 ) I uploaded a letter from XXXX XXXX XXXX XXXX/XXXX/15. The letter from ( XXXX XXXX XXXX ) reported my XXXX payment as a 30 day late. XXXX, Transunion have not corrected this information. I have never been late. 2 ) XXXX, XXXX XXXX XXXX XXXX, is reporting a {$8100.00} balance amount owed on Transunion, XXXX lien on my credit prior to reaching out and allowing me to discuss correct amount or work with rep to get to verify if it was even owed. This is not correct either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.

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