milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (WA).
Issue: Managing the loan or lease

Complaint: Other at fault driver hit my two week old car. I traded in damaged car. Accepted fact of damage from dealer my loss $ XXXX. I sent at fault ins company proof of loss. The dealer conspired with the insurance company and stated No damage was deducted from trade in damaged car. ( see letter from XXXX ) The insurance company refused to pay my actual loss as a result of the information supplied by the dealer..I consider this a conspericy to defraud me from my actual economic loss from the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Student loan (Non-federal student loan) with Riverwalk Financial Corporation (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with Volunteer Mortgage Loan Servicing (TN).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX. I own my house XXXX XXXX 1998 and never missed a paiement. Recenlty my mortgage loan has been sold to a new company, Volunteer loan mortgage servicing. It has been more than 6 months and this new company havent reported my mortgage loan to the credit bureau and it is hurting my credit report. I told them about the issue and they promise me that they would fix it but still nothing. I am applying for a home loan refinance but when my credit report was pulled my mortgage loan did not show. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Trouble during payment process

Complaint: when I found out that the loan for my mortgage was in the wrong name, I contacted the XXXX, the mortgage company at that time. They did nothing. I sought legal advice to have it removed. I was told that I had to refinance my house, if I wanted it out of that persons name. XXXX told me they did n't do refinancing or modification. I contacted other companies for modification but unfortunately I was XXXX mailed by the person whose name was in the loan. He requested money to sign the paperwork. After I paid him the money, he left town. This caused my house to foreclose. XXXX then transferred my loan ( with the same fraudulent paperwork XXXX to XXXX home loan. I spoke to XXXX today, XXXX/XXXX/XXXX, for the XXXX time, about the fraudulent name and documents. According to XXXX, there is no paperwork with my name on it. Now that my house is in foreclosure, and I 'm not able to do any transaction or ask any question, unless I give them the info for that criminal that they have all over my paperwork, I have no choice but to report this fraudulent act to the government. I had to declare bankrupt, just to save my house, as I 'm the rightful owner. 
I 'm trying to settle this matter without filing a civil suit, as I 've exhausted all my financial resources. The owner of the loan is XXXX Master Participation XXXX. They are predators, who preyed on innocent people like myself. They falsified the paperwork when I did my refinancing in XXXX, removed me as owner of my house, while they collected money from me for the mortgage. I was not able to enquire about my property, without giving them the info of the criminal that they used to XXXX side me. I brought this man to the settlement at the time of closing in XXXX XXXX, based on what they told me. I never knew that they would put my house in his name. This was a scam and fraud, but I never knew it then. It was n't until XXXX, when I refinanced the house, that I realized that I was scammed! I had no choice but to include the scammer in the refinance process. That 's how XXXX, had it set up. XXXX, kept transferring me from XXXX servicer to another. Finally they sent my paperwork to XXXX, whose plan is to take away my house.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with Venture Financial Services, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX 's began billing me for a debt that was not my financial responsibility in the amount of {$650.00} in XX/XX/XXXX( 5 months after the XX/XX/XXXX XXXX ). I immediately sent them a written response letting them know it was from a corrective XXXX XXXX  due to a XXXX XXXX and the doctor was financially responsible, and that I never signed anything stating I would be financially responsible for it. I never heard from them again.
Then in XX/XX/XXXX, Venture Financial Services , Inc at XXXX XXXX XXXX, XXXX, MO XXXX, XXXX sent me a letter, which I immediately responded to letting them know it was not my debt and to send me original documentation where I signed stating it was. They never responded.
Then in the first week of XX/XX/XXXX, XXXX XXXX 's sent me a new letter, directly from them, as if they had never sent me one before, requesting my payment. I sent them another letter on XX/XX/XXXX restating the facts, reminding them of my previous letter to them and to Venture Financial Services, and requesting documentation. No reply from them again.
Today, I received another collection letter dated XX/XX/XXXX. This time it is again from the same Venture Financial Services , Inc in XXXX, MO with the same reference number from their XX/XX/XXXX letter ( which they ignored my response to and never provided original documentation. ) I have even spoken with XXXX XXXX 's office and the supervisor agrees it is the doctor 's responsibility to pay, not mine, but she does not have " authority '' to bill the doctor.
How can these people keep passing this account back-and-forth, requiring me to repeatedly send the same demand letter for original documentation, and ignoring me when I do, and not somehow be violating the Fair Debt Collection Practices Act?
Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have never concerned myself really about my credit because of how young I am. But recently I concerned myself with establishing my credit in order to purchase a car. I was very shocked to see that someone used my information not once but Four times. The XXXX issues I will be addressing with the same collector. 

DIVERSIFIED CONSULTNTS # XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1600.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1600.00} Original Creditor : XXXX ( XXXX ) Past Due : & gt ; {$1600.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$83.00} Original Creditor : XXXX XXXX XXXX Past Due : & gt ; {$100.00} & lt ; I have never done business with either of these companies. 
I have already reported identity theft with IdentityTheft.gov and the Your reference number is XXXX. 

I will also submit a copy of my Taxes for XXXX to show location during said time. 
I have not had the opportunity to establish a great credit score and now it seen it will be a while before I get the chance to do so because of this identity theft situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I would like to know how to go about sueing Sallie Mae or some kind of referal I have tried to contact several attorneys and just get run around. Sallie mae forced me into a bancrupcy because they would not work with my payment which instantly ruind my credit for 7 years. I got no relif from bancrupcy after bancrupcy payment was same I had to let loans get charged off to get any help with lower payment after charged off I came to an agreement of {$250.00} payment for rest of my life they said. But after 3 months in they renigged on the agreement with no answer as to how they can take back an agreement they agreed to do for me. Now my credit is not only ruined for 7 years it ruined rest my life till pd of because will report negative till pd off so my credit is XXXX for rest of my life which has impacted my XXXX XXXX. A {$60000.00} original loan has accrued to over {$160000.00} that apparently I didnt even qualify for they knew they were getting me into this position.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland funding has sent numerous letters and made phone calls after the fact that they tried to put a judgement on me throught court. I fought that judgement and won, they could not prove to me or the court that I owe them any type of debt. So it was dismissed. It is still on my credit report after XXXX attempts of dispute and also sent via certified mail copies of the court findings. I do not think this should be on my credit report so I pray that something can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On or about XX/XX/XXXX I discovered that Trans Union was reporting an alleged Tax Lien on my credit report known as : FEDERAL TAX LIEN, XX/XX/XXXX,  XXXX, RECORDER OF DEEDS, INTERNAL REVENUE SERVICE, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth. 

On XX/XX/XXXX I sent Trans Union a letter ( see  attached ) using Certified Mail and not only disputed this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. 

The response I received from Trans Union was they undated the file ( see attached response ). How can you update a file without sending an employ to the Court House and obtain accurate and verifiable evidence of such an account? 

It 's important to note here that on XX/XX/XXXX the Credit Bureaus agreed to remove any and all such incomplete records that were missing the above mentioned information ( see attached letter from the XXXX XXXX XXXX XXXX, XXXX ) that the CB 's agreed to comply with the Attorney Generals throughout the Country. 

It is also important to mention that neither XXXX or XXXX are reporting this alleged Tax Lien ( see inclosed reports ). 

I contacted the Clerk of Court and ask them what their reporting procedure is for reporting information to Trans Union and the Court responded that they do not directly supply or report any Court information to Trans Union unless Trans Union sends an employee to the Court House ( see attached letter from the Court ). 

I also contacted XXXX XXXX and about this allege Tax Lien and they responded that there is no record of this alleged Tax Lien in their records either ( see attached letter from XXXX XXXX ). 

Suffice to say that Trans Union needs to comply with both Federal and State Laws and delete this erroneous filing immediately and send me copy of that deletion for my records. 

Thank you for your kind consideration. 

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Equifax to dispute inquires that I know for a fact were not authorized by myself. These inquiries should not have been allowed to be placed on my file since I did not authorize them. They were not court ordered, for employment, insurance nor for an offer of credit for myself. My dispute came back verified and I know this to be u true as I never attempted to gain credit with ANYONE other then a credit card! This is unsatisfactory and AGAINST THE LAW!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. Someone stole my identification and got medical services. Those medical services were never paid by the perpetrator and is showing up on my credit reports. Equifax is blatantly disregarding my rights by law and willfully neglect to make my credit report accurate. By law, the Credit Reporting Agencies must block fraudulently opened accounts from appearing on my credit report, according to the FCRA Section 605b. The consumer reporting company has four business days to block the fraudulent information after accepting my identity theft report. On XXXX/XXXX/XXXX I sent by certified mail to Equifax a copy of my government issued Identity Theft Report detailing the theft of my ID and of the services illegally gained, a copy of my government issued Drivers License for identifying purposes, a letter citing FCRA 605b, and a credit report page showing the two accounts that were illegally gained. There are certain instances where a Credit Bureau can decide not to block the illegal information, however, I have surpassed all of the requirements to warrant a block of the accounts appearing on my report fraudulently. ( c ) ( 1 ) ( a ) I did not request this block in error. ( c ) ( 1 ) ( b ) There was no material misrepresentation of facts by me. ( c ) ( 1 ) ( c ) I did not obtain possession of goods, money, or services as a result of these illegal transactions. Not only did I surpass the requirements to lead to a successful blocking of the fraudulent accounts, I also sent in every item as required by law to do so. On XXXX XXXX, XXXX, I got a letter from Equifax stating that they will not block this fraudulent information, and they did not give me any specific reason as to why. Why is Equifax openly violating my civil rights and failing to follow the law? I am suffering mentally, physically and financially over Equifaxs ' handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: The issue is with Greentree now Ditech. I received one of the first loan modifications from Greentree. The original modification agreement did not include a provision for " Deferral of Principal ''. Several months later, maybe even a year, I received additional documents that Greentree wanted me to sign to accept the " Deferral of Principal ''. I declined and did not sign the documents. I then received many phone calls telling me is was in my best interest to sign and return the documents. The phone calls began to get aggressive but I stood my ground and told them that is was their error, it 's not included and I wo n't agree to have it included now. That seemed to be the end of it until I went to get my payoff and the " Deferral of Principal '' was listed and included in the payoff balance. I have sent correspondence to Ditech who now services my account but with no results. I 'm hoping that this complaint made through your office will help me get a correct new payoff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. Transunion & XXXX  is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/2017. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/2017. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both Transunion and XXXX  that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.

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 12-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient has failed to withdraw money from my bank account even though all my loans are set up for auto payment. Two consecutive months I had issues with loan on XXXX XXXX I had to make a manual payment because out of the blue the account showed past due even though my due date is the XXXX of every month, for some reason since they could not explain why the payment was never applied to loan even though my other loans had been paid that month, as it turned I ended up paying double as it turn out the payment was in fact applied just took forever to be reflected this happened in the month of XXXX XXXX as well as XXXX. This month XXXX no Auto Payment was made even though it was set up to be, I called and spoke to a customer representative who told me that they have this problem and receive complaint calls every day about auto debit not working properly and yet they chose not to do anything, I wanted to speak to a manager to get the issue resolve and I was never able to. As a result of their negligence my account was past due ( 1 day ) and had to make the payment manually. This type of errors are stressful and can be potentially detrimental to my credit score. If I have Auto debit set up for every month why do I have to worry and double check every day that it is being done? why do I have to risk my account being past due when I 'm doing part and I 'm setting up my payments. I also have had issues with extra payments not being applied to the loans that I have specifically instructed to be applied to. Auto debit as well as extra payment are a big issue, issues that are damaging to my credit score as well as my personal finance. And the worst part of all of this is that there are no solutions offer and the mistakes keep happening month after month, not only is it stressful to repay for student loans but to that I also have to add the stress of checking my account every day to ensure Navient is doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving multiple calls from several numbers claiming to be from Concord Resolutions. They say they will not give me any information until I verify my SSN with them. I asked for the debt information and their address. They told me New York State and then when I asked again that they were in XXXX but refused to give any further information. When I requested that I get validation of the debt prior to speaking with them further he hung up on me. Calls from XXXX. I know what debts I owe and this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted dispute to experian to remove public record Index No. XXXX Civil court of NY via certified mail and still have not received a initial response. I also have sent prior dispute without a single letter of receipt by experian. the default judgement has been vacated

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