milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX, a solar company ( not in business anymore ) sponsored by Well 's Fargo Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that WFB will ever approve me with what they were promoting as a Home Project Visa Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. Well 's Fargo was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, out of XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from XXXX XXXX XXXX from XXXX, XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own bakery business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the WFB loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a XXXX XXXX XXXX from XXXX XXXX, collector company I never heard of, where it state that the originator is Well 's Fargo Bank. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the WFB loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, Well 's Fargo Banks and its accomplices, the collector XXXX all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked white-collar scammers where my only option is to pay my XXXX ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, 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 10/20/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: my vehicle was repossessed by TD auto finance. I was behind granted due to some financial issues. I had tried previously to speak with reps about a deferment and said I could n't have one nor do a repayment plan. after they picked up my car I asked if I could just pay what was past due and hold off on the late charges. one rep stated that I could n't so I asked to speak with the manager she gave me a supervisor. he said no as well. I called the next day to try again. I spoke with a girl name XXXX and she did try but said no one was there for me to speak with. I called back and got the same rep back from the previous day she said no and would n't allow me to speak with a manager. I asked for the manager name and she told me they do n't give out that information. she hung up on me. then I spoke with another guy named XXXX I asked to speak with a supervisor again. he said that I had already spoke with one and the answer is no. I asked him why was up raising his voice. he stated to me that I was lying on people and he said he was going to hang up so he did. I was treated very unfair by them. then after I had to beg people for the money to pick it up I had to pay addiontional fee on top of the money I had already paid td auto finance to get it back. after I paid td I had to call hide and seek recovery not know I had to make an appointment with them to get my car. they did n't want to release it. they wanted me to wait an additional day on top of what I had paid to be charged more money. I adv the lady I spoke with that I had no other way to come back to XXXX, texas if I did n't have a car. they finally gave it to me. I did n't appreciate how td auto finance handled their end. just because a person is down on their luck does n't give you the right to be rude. also they would n't provide me with any docs showing what I paid

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted my mortgage payment on XXXX XXXX which was due on XXXX XXXX. I received a call from Ditech in XXXX that my mortgage payment for XXXX was late. After informing the person that my payment was submitted on XXXX XXXX, the person said the payment was incorrectly applied to the principle and they would send a request to fix the problem. I continued to receive calls and letters from the company that I was delinquent on my payment. I have called or spoke with Ditech at least 6 times and they said the mistake would be corrected each time I spoke with them. 
After XXXX weeks of trying to correct this mistake, the issue has still not been resolved and I continue getting calls letters from the company stating that I am late on my payment. I keep getting excuses that they are updating the computer system and they do not know why it is taking so long.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: I would like to dispute US Bank credit report and bill of XXXX that has named me solely responsible for a joint checking account my husband and I had while we were still together and married. I am not denying there was a sum of XXXX $ withdrawn from our account that BOTH of our names were currently on at the time. I tried to resolve this problem with my local institution by meeting with my bank rep in person and speaking with her several times on the phone. I tried multiple times to inform my bank that I was in a desperate and financially destitute time in my life, my husband had left the home, leaving me with all the unpaid bills up to 3 months behind on our electric. No food in the cabinets except ramen noodles to keep my XXXX son from starving to death. My rent is and was XXXX $ per month. not including water and garbage. I have no car since my husband had that repossessed as well. I am over XXXX years old and having to ride a XXXX bicycle to work in XXXX degree weather in XXXX. I had no financial support from my husband for child support or anything. I truly wanted to fix this problem and maintain my bank account. Instead. US Bank closed my account immediatedly when I was the only XXXX with direct deposit going in it since day one.. I am not denying that there was a XXXX $ withdrawl from our JOINT checking account. the total amount shown on my credit report is {$830.00} ... Now here is my issue.. If we had joint account together.. Why in the XXXX were .. or ARE they ONLY after my XXXX ... My husband 's name was on that account too. Yet, no where on his credit report has US Bank listed his Name for ACCOUNT ABUSE. & gt ; & gt ; & gt ; I am very offended that I have been singled out and been turned down now TWICE by XXXX bank to acquire a NORMAL checking and saving account. I have only been allowed a FREAKING DEBT card which is just about worthless except to pay bills with and shop. Yet my husband went down to the same XXXX branch that I bank at and got himself another PERSONAL CHECKING ACCOUNT with NO problems whatsoever. They freely handed him a XXXX card. I have busted my XXXX to try and fix all the XXXX and financial disasters that I have been left behind with to sort out and fix as best as I possibly can. I only want to try and rebuild my credit, establish a personal checking account with DIRECT DEPOSIT that I have had going into my XXXX liquid card for over 3 years now and getting NO good credit established this way.. Can someone please help me. I can only do and pay for so much being a single parent. Thank you so much for your time ... XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XX/XX/XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XX/XX/XXXX I was notified by credit monitoring company I had a late pay added to my file for XX/XX/XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

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 08/31/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX we used bank card to pay for car repair {$280.00}. My husband was going to transfer from savings to checking but forgot. At the time we had {$1400.00} in savings and the accounts are joined together and we have overdraft protection. Well we were not notified and we kept using the card and for every transaction they charged us {$37.00}. We now have overdraft fees in the amount of {$1100.00}. This while time no one transfered the money from savings and the card was able to be used. We went in Sat XXXX XXXX to make a complaint to the manager and he said it was above what he could do and he would email his regional manager and call us on Tues. Well he never called and we found out that someone had authorized all of our savings {$1400.00} to be taken out and they too his paycheck of XXXX and some change to make our account a XXXX balance. Well I called Friday to find out why no one had gotten back with us and still no answer. We feel that we should pay the fees from our mistake but they should not have take all of our money to which we now can not pay car payments rent to our house and all other bills that are due tomorrow. My husband went back this morning and still nothing is being done. Please if you can help us that would be great. My husband researched and found that in XXXX other states 5/3 bank has lost cases due to insufficient fund issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I had two Capital One Credit Cards and I had some financial difficult and could no longer make monthly payments. On XXXX XXXX, I mailed Capital One a settlement agreement for both accounts to try to settle the debt and have it paid off It is now XXXX XXXX and I have not received a response from Capital One with either a yes or a counter to my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with U.S. BANCORP (OH).
Issue: Other

Complaint: My Father had just recently passed away on XXXX XXXX, 2016. I contacted the credit card company on XXXX XXXX. My father 's balance owed was only around {$11.00} and i wanted to pay off the balance immediately, close the account so no further transaction could take place. His balance was due on XXXX XXXX. I was told i could not pay off the balance and had to send a letter with his account info so they could verify his passing. I did the next day. I recieved a letter aobut a week later dated XXXX XXXX requesting more information, i called them on XXXX XXXX, they tell me no further information is required. I asked again about paying off the balance, again they said they could not do it over the phone. they said to send in the payment, i asked to verify balance owed, they told they could n't tell me and to send in whatever was shown on the last statement. Last night i went online to my fathers account to confirm what the balance was and to get an address as to where to send it in. The account was still active, no closure, and now is showing late fees and interest charges more than what the orginal balance was owed? Again i contacted them today on XXXX XXXX, now they say want a death certificate. Every time i call i get a different questions and answers. I just want to close this issue, i have no idea what balance i am responsible for? If i pay off the initial balance will they continue to add interest charges and late fees on the interest charges and late fees. This seems deliberate action to do so. All the other credit card companies i contacted closed the account on my first call and allowed me to pay off the balance owed. Deaths are of public record and easily verified for any credit agency. I feel that i am being just strung along to be milked for fees and interest charges. They told me it could take up to three months to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX and Experian have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.

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 11-11-2015 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Unsolicited issuance of credit card

Complaint: We 've had a PayPal account for years and years. In XX/XX/XXXX, however, Paypal pulled our credit report and converted our standard PayPal account to a revolving credit account. We were unaware of the change, so when we thought we were making a conventional PayPal transaction on our existing account, it charged this new line of credit. Making it worse, we then got no statement in the mail, so did n't know we had n't received a bill for this account we did n't know we had. Learned of the new account- and missed first payment! - only when applying for a mortgage. Called PayPal- they refunded the late fee but now I have a black mark on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws. Fair Credit Act, Equal Opportunity Credit. as well Law of Agency all public, companies, administrators of credit associate with their name, standard, and rating having NO OTHER SOURCE to access or review credit. 
Please help me resolve this problem. 
XX/XX/XXXX at XXXX XXXX Thank you for your response, I wrote requesting your group raise my credit score, I provided many repaid loans totaling some {$100000.00} to support my request. 
I did so for two reasons :.

1. I am in need of vehicle to drive XXXX. 
2. I need to purchase a lot to move my RV home onto. It was damaged in storm XXXX, and no parks will accept in present condition, though livable. 
I am not satisfied with your answer, and to such degree I will request further assistance from CFPB, and even file on my own if nothing resolved. I believe there are thousands if not 100 's of thousands people suffering same indignity due to your neglect. 
Additionally I find it offensive you force me to communicate via standard mail, especially in our era and age of immediate/ social media email, the new standard by any measure. 
I will argue in accordance to the Fair Credit Act, Equal Opportunity Lending that am entitled to fair and reasonable credit score, perhaps even a heightened one having paid/ satisfied some {$100000.00} and that you are obstructing it, and knowingly having provided documentation to your office. 
Your answer states " We are a consumer credit reporting agency. We receive credit information from businesses that subscribe to our services and directly from the courts. We do not add data from private parties to our files since we would be unable to verify or maintain the data to keep it current '' I believe your answer places your group in violation of a number of laws, and for an number of reasons, The first being the Law of Agency, the ruling of assumption, association, via the determination of purchase power, the assumed profile companies, administrators, public makes about your credit rating determination, and what suggest about me, though I provide evidence to contrary. 
Regards XXXX 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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since 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 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit report shows a collection from Ability Recovery Services that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. The continuously update the account in a shady attempt to lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SYNCB/Amazon is reporting an account on my credit as derogatory that is not mine. I have never ordered anything from or had an account with Amazon. I have reported the error through the credit reporting agency and all XXXX of the major credit bureaus are still insisting that this is my account. I have never received any statements or phone solicitations regarding this account. I was unaware of it 's existence until it appeared on my credit report. The name on the account is a name that I had previous to the claimed opening date of the account. After repeated attempts to contact Amazon, I was finally able to actually talk to someone and they referred me to their attorney. I called the attorney 's office and was requested to submit a signed statement to them in writing that I would not dispute the account in question before they would even talk to me about the account. I 'm not about to sign such a statement since this account does not belong to me. Even though I was finally able to talk to a representative at Amazon, I have not been able to find out any further information regarding this account. Since this account is being reported on my credit as a charged off account, it is negatively affecting my credit score and my ability to obtain credit. 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 non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am being harassed by Equifax, they are intentionally showing payment status as unknown for accounts and adding information to my file that was previously removed. Equifax just added a tax lien on my report that was previously removed. The tax lien should not be on the file as the national consumer protection act requires that these items be removed. Equifax is working in concert with  XXXX  with the same type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The Underwriter purposely gave me a non-payable and detrimental repayment option in-lieu of a Loan Modification after my XXXX loan completed a Making Home Affordable Loan Modification. Quicken Loans attempted to take the needed savings from the Making Home Affordable Loan Modification for themselves, even though I am already in a repayment plan with Quicken Loans. They offered me to pay them back at {$1500.00} per mo. 

I presented this option to my HUD Counselor and Financial Adviser and they both agreed that it would put me in immediate default if I sign the repayment agreement. I let Quicken Loans know this council and the said sorry, this is our option. I then asked how this is a benefit and a help? They said you get us paid off in 12 months instead of 48. 

So I told Quicken Loans : My professional counselors have determined that by Quicken Loan 's proposed repayment plan is a guaranteed default and extremely risky to me and my family. I will decline this repayment plan by the professional counsel given to me and I ask you to consider a real and helpful loan modification and not repayment plan that is worse than I already have. 

They then said we are closing you file because you declined our proposal.

Company response to consumer: Closed with explanation