milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advance Bureau of Collections (GA).
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: Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} Advance Bureau of Col - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Unsolicited issuance of credit card

Complaint: After recently refinancing with Wells Fargo for our mortgage, my wife and I were issued credit cards that we did not authorize or were ever made knowledgeable of. The only reason we discovered this was when the cards were mailed to us.

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 10-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi, Asset Acceptance obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked Asset Acceptance to provide me with the date and amount of the last two payments on the original XXXX account and they refuse to. I have contacted XXXX the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When requesting to open a account at XXXX, a report reflected XXXX loans issued under my social security number with an unknown name. These loans were not issued by me. The Company that processed the loan was XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: NCC Business Services from Florida called me on XXXX/XXXX/15 XXXX times and asked for my mother ( I am her guardian and have POA ) but they would not tell me anything about why a debt collection company was calling her. They asked me to fax over my POA papers but I refused since I did not know who they were or what they were referring to. I thought it was over and then on XXXX/XXXX/15 the same fellow called me back. I had my mother call them and give them permission to talk to me. I called the company back later in the day and he mentioned the amount was {$2000.00} for repair of an apartment my mother had moved out of in XXXX. I thought I had paid this and told him I would look into it and call him back. When I contacted my bank, it was confirmed that I actually did pay this same amount for apartment repairs in XXXX and the bank is sending me a copy of the cleared check. So I called the company back and told them that they have the wrong information, the bill was paid and I was told to hang on. They had not asked for my name at this time or any information. It was a girl this time on the line and she came back on after a couple of minutes, apologized for the delay, and then the call was terminated. I called directly back, had the same girl, and the same termination of the call from their end. 

I reported this to the FBI and they suggested I report it to you as well. 

The name of the company they gave over the phone is NCC Business Services Debt CollectionPhone # XXXXThey were trying to get me to pay a bill which was already paid a few months ago. They are attempting to take money from the elderly. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NC).
Issue: Using a debit or ATM card

Complaint: Yes I had an agreement with someone to purchase an item for XXXX. I sent that person the money for the item. After a week of him saying he will send the item, I do n't hear from him for a day or he ignores me. After a week, he says he needs more money before he will send what I paid for. He of course is refusing to refund the money. I filed a dispute with my bank and sent them the original proof for the agreement to send the item, and then another picture showing where he said he needs more money before sending. The dispute team for my bank refused to refund the money. On their website, it says in covered by Visa Zero Liabilty for fraud, however they will not agree that o deserve the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been reaching out to Trans Union for years. The most recent are inaccuracies which could result in me having to remain renting a room for $ XXXX/month and not getting accepted in a house or apartment. I am frankly tired of disputing and that Trans Union is not properly showing my payment history. A letter is provided accordingly in addition to the inaccurate report. My score has plummeted XXXX points because of their faulty reporting and defaming my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with CNG FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need two forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine this XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed

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 01/25/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My son got behind on his payments with Wells Fargo Dealer Services and was trying to get caught up. My name is on the loan also and I helped him pay the fees when the vehicle was repossessed. Wells Fargo neglected to get the redemption hold papers to the repo company on time and the truck ended up at an auto auction lot out of state. Now they are paying to have the truck towed back to Iowa and I was told it would take up to 2 weeks to get the truck back. Today is the last day of the 2 weeks and nobody seems to know where the truck is and will not give me the name of the transport company who has the truck. Wells Fargo keeps telling me to call back tomorrow for more information. I call every day and they give me absolutely no information so why should I keep calling to get no information. I want to know where this vehicle is. The tow company that agreed to accept the vehicle and tow it to my home has been ignored on phone calls and emails and is getting very upset as well. I have a complaint with the office of the president with Wells Fargo but that is n't going very well either at this point.

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 10/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed a judgment that is not mine to Equifax. It has been six months andI still have not received my results. Equifax just keep saying that it is pending. XXXXI was denied credit because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Struggling to pay your loan

Complaint: Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed Avant of our finicial hardship. We ask Avant to work with us and informed XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Avant to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I was incouraged to reach out to all lenders to work out to Avant to work out a fair affordable repayment plan prior to Chapter XXXX bankruptcy. 


I also let Avant know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
Avant has also threatened to sue me and refused to work with me. 




Avant refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 
Avant is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by Avant I feel Avant took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. Unfair lendin I was never sent a default letter my email nor by mail, Avant is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. 

Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: In XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.

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 11/18/2016 about Debt collection (Mortgage) with PLAZA HOME MORTGAGE, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Plaza Mortgage made a mistake and put one mortgage payment toward the principle of the loan instead of XX/XX/XXXX 's payment, as I intended. I called customer service, and they noted their mistake and reversed the principle payment, and put it toward XX/XX/XXXX 's payment. Ever since, we have received 6 letters in the mail saying we are delinquent on the mortgage and are in peril of foreclosure. Let me be clear, we are absolutely current on our loan. I have had to call customer service 3 times to ask them to stop sending collections letters, but they keep coming.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have chapter XXXX bankruptcy a public record on my Experian report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

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 10-12-2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016. I started an application for a mortgage with Cardinal Financial Company , LP dba Sebonic Financial. I was charged XXXX dollars to order an appraisal on the property I was buying. On XX/XX/XXXX, before the appraiser was even ordered by Cardinal Financial. I changed my mind about working with Cardinal Financial, and asked them to cancel my appraisal, and reverse my charges. 

On XX/XX/XXXX I received an email from XXXX XXXX, the loan originator I was working with at Sebonic. 
He wrote ; " Not ignoring this request, I 'm just waiting on confirmation that your appraisal refund has been processed and will follow back up with you. Hopefully, everything is going well for you '' We 've been going back and forth. Him telling me the refund was being processed, and I saying that I have not received it. As of today XX/XX/2016. I have yet to receive a refund from Sebonic Financial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (KY).
Issue: Managing the loan or lease

Complaint: Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying my mortgage for 15 years automatically from my bank. My escrow amount increased in 2017 so my electronic payment from my bank went out on XXXX XXXX for my XXXX XXXX Mortgage payment before I increased the amount. Obviously my XXXX payment was less than the expected amount and since it was made in XXXX the bank assumed it was an additional payment and applied it to principal. I later called the bank and paid the difference for the new escrow amount and they told me they backed out the prinicpal payment and applied both payments. They removed a late charge and all seemed fine. I got a call this morning at XXXX XXXX saying they never received my XXXX payment and it is more than 30 days late. I logged on to my account and I have paid both XXXX and XXXX 's mortgage payments in full yet they are claiming I have n't paid XXXX 's either. While this may be an honest mistake they have now ruined my credit which was XXXX before this but because they seem to think my payment is 30 days late they say they will report it to the credit bureau. I have XXXX new young children and am currently shopping for a new mortgage to get a bigger house. This obviously hurts me a lot as my stellar credit is now not so stellar. I think they need to be held to a higher standard when they have such power over peoples lives and I do n't actually think it 's an honest mistake. So just to summarize I have made both XXXX 2017 and XXXX 2017 mortgage payments in full and on time but they claim I am 30 days late on XXXX 's payment and that I have n't made XXXX 's payment. How is that possible when it shows on their website that they have received them. I think bank of america has shown in the past that they do not have the consumer 's best interest in mind and they have been reckless.

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 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this issue with the other credit reporting agencies as well as TransUnion and only TransUnion has failed to remove this erroneous and derogatory notation from my credit file. TransUnion seems to be all talk when it comes to " reinvestigating '' problems with credit files as they have assured me twice now that this would be reinvestigated and that I would be contacted by mail and neither has happened. Both XXXX and XXXX have done both of these and have resolved the issue by removing this creditor in full from my credit file. I need for TransUnion to followthrough with actions and deeds and not just empty words saying they will do what they seem to be unable or unwilling to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my original mortgage with XXXX. I lost my job due to the recession XX/XX/2008 and had trouble making my monthly mortgage payments. XXXX began charging me extremely large " differed interest '' fees each month my payments were late as well as charging late fees. By the time I was able to make regular payments again XXXX had added over {$31000.00} in differed interest to my mortgage. Now, after paying on my home for over 11 years my payoff amount is significantly over the initial purchase price. I 'd like to sell my home, but with this huge amount added to the loan it makes it financially impossible to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a Home Equity Line of Credit ( HELOC ) from First Tennessee Bank, of XXXX, Tennessee. My application was denied, due to insufficient income. The fact that I have roughly XXXX dollars of real-estate assets, in addition to owning fully my own home, valued at roughly XXXX dollars, upon which proposed HELOC would be based, apparently had no bearing upon First Tennessee Bank 's decision, in regard to said HELOC. 

According to the CFPB pamphlet " What the new Ability-to-Repay rule means for Consumers, '' referring to a provision in the Dodd-Frank legislation, the rule " applies to most mortgage loans. However, it excludes certain types of loans, like home equity lines of credit.... '' As the CFPB pamphlet relates, income should have no bearing on a HELOC, which is a loan upon the value of the potential borrower 's equity in the property itself. Again, I own XXXX % of my c. {$500000.00} home. There is no mortgage. 

By rejecting my application on the grounds of insufficient income, First Tennessee Bank would appear to be in clear violation of the law, as related in the above-cited CFPB publication. 

First Tennessee Bank 's claim that bank regulators require them to base their approvals of HELOC 's upon prospective borrowers ' income, does not excuse First Tennessee Bank from their apparent violation of law. Nor does said claim relieve First Tennessee Bank of any penalties or awards resulting from said violation. 

I am a retiree, with very limited income. Living expenses require that I supplement my insufficient retirement with personal assets. Recent expenses require that I liquidate one asset, a certain parcel of commercial real estate, in order to meet ongoing expenses. Until that happens, I need a HELOC to meet said expenses. 

The refusal of First Tennessee Bank to advance such HELOC, allegedly contrary to law, places me in jeopardy of losing my fully-owned home, contrary to reason and justice. First Tennessee Bank 's action or inaction has caused me tremendous emotional stress and pain, in the months since their refusal. 

I implore the CFPB to use whatever powers and influence it may have, to try to induce First Tennessee Bank to uphold the law, and not refuse my application, due to insufficient income. Thank you very much.

Company response to consumer: Closed with explanation