milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Lease) with BB&T CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I aquired a auto loan from XXXX XXXX XXXX on XX/XX/XXXX. I  was on time with my payments and was in good standing with my loan. I was involved in a car accident in XX/XX/XXXX where my car a XXXX XXXX XXXX was totaled. The accident was reported to as being the other persons fault and they were ordered to pay for the car. What the other persons insurance did not cover was taken care of by my gap insurance. I have recently checked my reports and on all three credit reporting angecies XXXX is reporting a balance and the debt as a charge off and this information is inccorect because it should be reporting a XXXX  balance becuase they were paid by both my insurnce company and the at fault party.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (FL).
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: Syndicated Office System s, LLC Has not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very devastated for all the excuses Rushmore has gave me in order to not approve me an affordable offer instead I am being asked to pay {$11000.00} as a good faith down payment and additional to that I need to pay 6 monthly of installments for the amount of {$1800.00} but it does not stop in the paper work it states to continue making payments after I complete the 6 installment payments until I received any permanent modification contract. However the trials are higher then what my mortgage was before I started to fall behind this is not helping my situation because my monthly mortgage payment was {$1400.00}. Rushmore knows I can not pay that large payment even though I had tried to negotiate the good faith payment Rushmore does not want to work with me. I am a single mother and I do not want to lose my house. Rushmore has set a sale date for XX/XX/2016 to have me removed from my house and to make matters worse Rushmore now does not let me speak to no agents from Rushmore instead I need to negotiate with Rushmore Attorneys because now they have my case.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This card was created and charged at a dental office. I was quoted a price of XXXX dollars for services and told that they had a credit card I could apply for there. XXXX is the place. anyway while i was under XXXX they had me sign some papers. when I received the first bill it said XXXX or somewhere around there.I called the dental office and spoke to a worker in bills and payment and she said well, they said i had more XXXX that were distressed and it cost more, but yet they didnt tell me that up front. then also Im on medicaid and i found out they also charged them for some things they had charged the credit card. I was angry and refused to pay the credit card for awhile but then i didnt want my credit to be ruined so i agreed to large payments each month till i paid off the principle because i didnt know what else to do. but now they want the interest for the year i refused to pay and i dont feel i should have to pay that. because i was lied to, to begin with. that was in 2014 and they have turned it over to a collection agency and they keep posting it and its dropping my fico and credit score. I pay my bills, and im XXXX on time, I hate this situation but I refuse to pay for something i never agreed to from the beginning, even though I did pay the principle in which i think that was theft to begin with. please help if you can.. thank you

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 01/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo & Company is violating the Federal Fair Debt Collection Practices Act by aggressively threatening to sue myself and my mother ( co-signer ) of a student loan when Wells Fargo & Company is well aware that I have served Wells Fargo & Company with a cease and desist letter AND according to the consumer contract ( which Wells Fargo & Company refused to provide to me ) the contract forbids court cases and requires all cases be brought via Arbitration. 

Wells Fargo & Company is violating the Fair Debt Collection Practices by making false threats that the allege debt will go to court even though Wells Fargo & Company is well aware that bypassing the Arbitration agreement would be illegal and unlawful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had medicaid during this time, but the company billed me instead of my insurance..

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Midwest Recovery Systems (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MIDWEST responded by copying and pasting my response as their response which is bluntly saying they do not Care about the law. Keep case Open!     FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Midwest Recovery  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a ticket, for travel, the merchant issued a rewards milage ticket. I was not able to usr the ticket upon checking in at the airport. The airline stated that only the holder of the account that have the miles would be able to usr the ticket. I was denied boarding abd lost All the purchase price of the ticket. I filed a dispute with Chase Card services. and have not gotten a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Delinquent account

Complaint: Told Associate that my employer does not allow collection calls on my business phone. They said they would note that in my record and then proceed to continue with the call as if I said nothing. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Updated tradeline XXXX XXXX   Equifax XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, XXXX, and Tran union. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XX/XX/XXXX presented pertinent evidence that non of the inquiries and/or XXXX fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The XXXX accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. 

The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges XXXX XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. 

companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.

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 03/25/2017 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wrote a certified letter with return receipt requested to Plusfour, Inc requesting that they send me any document to indicate that I obtain service at XXXX in the amount of {$420.00}. The return receipt indicate a receipt on XX/XX/2016. Upon this complaint, I have not received any reply and as a result, this inaccurate information is on my credit report and has caused me to be denied loans causing financial difficulties. I have complied with notifying the appropriate collection company ( Plusfour , Inc. ) with this inaccurate debt and they have failed to respond within the allotted time and without providing any due process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I REQUESTED FROM EQUIFAX TO REMOVE AN ADDRESS ( XXXX XXXX , XXXX XXXX, NY XXXX ) FROM MY CREDIT BECAUSE I`VE NOTLIVED THERE AND INQUIRIES THAT WAS NOT AUTHORIZED BY ME. 
XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (IL).
Issue: Managing, opening, or closing account

Complaint: I purchased XXXX appliance and I submitted rebate forms to get {$200.00}. I received citi XXXX debit card. The card expired and I contacted the customer service and they told me they can not do anything about it. Prepaid debit of {$200.00} disappeared! Can they do that?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2016 about Debt collection (Medical) with Quality Asset Recovery LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was unaware of a {$74.00} medical debt owed from XXXX for dental work performed. I received a call from QAR Collections in XXXX NJ ( XXXX ) stating that I owed this debt and asking me to make arrangements to pay. I advised that I was unaware of the debt until recently when I saw my credit report on XXXX XXXX stating the amount owed was {$86.00} to a XXXX collection agency. I advised QAR that how could I owe XXXX agencies for the same debt and a debt I was unaware of until XXXX/XXXX/XXXX. 

QAR 's XXXX ( no last name provided ) stated possible debt was sold to both agencies. He gave me QAR 's website to make a payment and would not re-send any debt validation. In addition, he re-assured me that no credit bureau reporting had occurred. I disputed the debt on my credit report for XXXX and it was immediately removed by XXXX and XXXX and is still being researched by XXXX 

On XXXX/XXXX/XXXX, I spoke again with XXXX at QAR and advised that the debt was removed from my credit report for XXXX and that in analyzing QAR 's website, I could not pull my account information and their website was unsecure and I would not be willing to make any payments or submit anything on such a site. I again demanded a debt verification letter and he refused. I advised that I wanted something to prove the debt because I was unaware of the debt, had XXXX credit bureau agencies remove the record and their call tactics and website made me leery of paying such debt. He stated that he would have to ask his " director '' if he could re-send the debt validation or other notice. The next day, XXXX/XXXX/XXXX, QAR reported to the credit bureaus. I had it removed from XXXX and have disputed it with XXXX. It was not reported to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Auto) with Westlake Services, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Found out Westlake Financial has been listed as fraudulent company, and notorious for bad complaints with consumer affairs. After dealing with this company trying to work a settlement on an account I defaulted on, I see why this companys reputation is so bad. XX/XX/XXXX I called them and tried to work out a settlement offer to get my acct closed. I offered them one amount which was all I had at the time to contribute to the debt, they counter offered me another amount to sif and remove the account from my credit file as long as i made a payment that day via money gram. After making the payment I called back to let them know i was hung up on twice. Then I was told i would receive an email in a couple days confirming that my acct would be sif and removed from my credit file as agreed upon. Two weeks pasted no email no action, another two weeks a month later no email no action. Luckily I was recording the conversation. I called back then I explained to a new person all that happened he told me someone would call me back because I should not of been told they would close out the acct for the amount paid. I told him well they did and that was the agreement, so he said well do you have that in writing I said no I do n't have to. I explained that there were clear fdcpa violations, just in the mini Miranda alone, not to mention the lies I was told and failure to adhere to the terms of the deal we made. But anyway, I told him had it recorded and was recording him, he panicked then said immediately he could no longer speak with me and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MA).
Issue: Settlement process and costs

Complaint: Our mortgage is currently held by Seterus - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX ( XXXX ). We went through a bankruptcy / chapter XXXX and were discharged XXXX XXXX, 2015. We are in the process of refinancing with XXXX XXXX and have requested a payoff from Seterus. We have called many times and their response is always the same ... they can not issue a payoff to XXXX XXXX because they have not yet recognized the discharge/termination of the bankruptcy. They do n't seem to be willing to resolve this matter. We are locked in to a rate and are hoping to resolve this before it expires. We need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I used the drive thru ATM at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, TX XXXX to deposit Money into my personal checking acct. I put {$2200.00} in {$100.00} bills into the ATM. It asked me to verify a {$1700.00} deposit. I replied " no '' and pushed the button to return all items inserted. I returned XXXX  {$100.00} bills. I looked around on the ground and saw no other bills. I then took the bills returned inside the branch and had the cashier/teller count them. She put them in a bill counting machine and confirmed XXXX {$100.00} bills. I asked the teller if they would mind opening the ATM to see if the missing bills were jammed inside. I was told at that time that Wells Fargo does n't own, have access to, or audit those ATMs. The company that does own them audits them every 2 or 3 days. I filed a claim there and was asked if I would like Wells Fargo to temporarily cover the {$600.00} loss while the claim was investigated. I said I would and deposited the {$1600.00} plus the {$600.00} credit into my checking acct. On XX/XX/XXXX Wells Fargo debited my checking acct {$600.00} informing me that the ATM owners had found no overages and the ATM balanced. This action put my checking acct in a negative balance and I was charged a {$35.00} overdraft fee. The following day a bill I had previously scheduled to debit was payed by Wells Fargo adding to the negative balance and I was charged another {$35.00} fee. Total loss {$670.00}. Wells Fargo advertises the ATMs as their own giving consumers the feeling of security in using them. Their Logos are prominently displayed on them and their website encourages consumers to use them as being safe, secure and reliable. However, they neither maintain or audit them, leaving this to a second party company. I followed up with Wells Fargo on XX/XX/XXXX stating I disagreed with the findings of the 2nd party audit ( owners of the ATMs ). Wells Fargo told me they would review the findings and that it would take 10 business days. Apparently they could find no discrepancies in the 2nd party 's audit results. I was advised of this through mail 3 weeks later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with Oracle Financial Group LLC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: The name of the company is  Oracle  rep calling  XXXX   XXXX   XXXX . She was told to stop calling my job and that I could n't accept personal calls. My employer at that time hung up and  XXXX   XXXX  called back to speak with my supervisor and asked to speak with her directly. My supervisor then contacted me and told me that she had spoken with  XXXX   XXXX . My job is in jeopardy because of the harassment this person is doing. She was told to stop calling on numerous occasions and yet she continues. She called on  X/XX/2017    once,  XXXX  once,  XXXX  twice,   XXXX   twice and the  XXXX  three times and that was when she spoke with my supervisor.

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