milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying unsuccessfully to get my free credit report from Equifax and XXXX! They are breaking the law that protects U.S. consumers yet they do n't sinply care as we are not there customer. I called Equifax XXXX times and verified my identity successfully and yet no credit report. XXXX does the same thing, I verify my identity and still no credit report for the Equifax bureau. I would like to open a complaint against them because they are violating our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: False credit reporting and violation of FCRA, Toyota is reporting me currently 30 days late and I have been denied credit numerous times because of this and I can not get them to correct it. This loan was paid off in XX/XX/XXXX and yet it shows 30 days late on my XXXX Report. 


XXXX XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment Status 30 days late Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Closed Creditor Information TOYOTA MOTOR CREDIT CORP XXXX , GA XXXX Phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Consumer Loan (Pawn loan) with WORLD ACCEPTANCE CORPORATION (IN).
Issue: Can't contact lender

Complaint: I filed Chapter XXXX bankruptcy against the company but the company refuses to update the credit bureaus to show '' Included in Bankruptcy " after several attempts at completing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been actively filing loan modifications with B of A sinceXXXX. I am a XXXX Veteran and I did use my VA certificateto secure my home in XXXX. My home was finance thruCountry Wide before B of A bought my loan. B of A didservice my home for foreclosure while I was serving in theXXXX XXXX about XXXX XXXX and the loan was noteven 2 months behind. I came home in XXXX XXXX andrequested another loan modification but no response soI obtained an attorney. My attorney did respond to B ofA and requested all correspondence concerning my homebe sent to them and they were actively involved with myloan modification. In early XXXX I was notified by areal-estate agent that my home was listed for foreclosureand public auction. No XXXX service me or my attorney. Theforeclosure was listed in the local newspaper. This wasnews to me and my attorney since we both had no ideaand was actively involve with a loan modification at thetime. I have since been working with Attorney Generaloffice in Florida. I was given guidance from the AG tofile this complaint with CFPB along with their inquireabout my case. I have been told my request formodification has been denied for reasons such as '' I was not living in the home and it is a VA require-ment '' which is not true, " insufficient income '', mycurrent husband signed a form stating he wouldcontribute {$1500.00} additional income to my household to help cover the cost and the list goes on. 
I am currently enrolled in a XXXX programwith the XXXX VA and is receivingtreatment. My condition is described as " XXXX '' at this time but with support from my husbandand adult children I am trying to do what isnecessary to keep my home. I am filing thiscomplaint because I too believe I am a victimof " dual tracking '' with B of A. They are notowning up to their constant mistakes. I don'tunderstand why they will not work with me tohelp me keep my home vice foreclosing. I amnot trying to run from my responsibility of payingfor my home. I just need help with lowering the payment so I can afford it. Is that too much to ask for? 
B of A pulled back the foreclosure because they justrealized we were working on a loan modification with mebut recently filed a petition in court another foreclosure. 
I have no other option but to file bankruptcy to keepmy home. This not fair to me the consumer because allI wanted was a lower payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (WA).
Issue: Struggling to pay mortgage

Complaint: Behind on payments, moved to a different house, listed house with Realtor, had two different offers and both offers fell through due to buyer 's lender 's underwriting requirements that came up 30+ days into the sale. Offers fell apart. Realtor tried to get M. & T. Bank ( lien holder XXXX ) to pre-approve a Short Sale but bank refused said not allowed. During the process of trying to work with M. & T. Bank on both offers, various employees of M. & T. Bank had different information on the process, took weeks at a time to respond, refused to work with the Realtor ( even though all forms were submitted to give permission to work with ). No straight answers, no person capable of making decisions about offers were ever available to speak with, no email addresses ever available nor direct phone numbers. When calling M. & T. Bank it was a circular phone message no parties ever answered. The bank denied even knowing the company they hired, XXXX XXXXto assist with Sale. XXXX XXXX ( XXXX -- XXXX ) said always have to deal directly with M. & T. If was a " Circle of Nothingness '' Any person that you could reach by phone was unable to make a decision and they required an offer in hand before they would stop the clock ticking on the process.

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 09-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " Portfolio Recovery Associates '' is calling me every single day from different telephone numbers for the last 8 months. 
To today I have counted 233 phone calls from XXXX different phone numbers in the last 8 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As this debt collector is not entitled to collect on a debt in the state of Florida.

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 09/16/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 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: Old information reappears or never goes away

Complaint: My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all XXXX credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA XXXX XXXX ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

XXXX ii XXXX Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: * My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with XXXX on XX/XX/XXXX. Complaint about negative posting on XXXX Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I have deposited a check into my Wells Fargo Account and they have put a 10-day hold on it. It is a commission check from my broker as I am a XXXX. The check is for {$5500.00} and I have deposited at least XXXX other checks from this same broker. So it is coming from the same account it has always come from and they have never held it for more than the usual 2 business days for checks over {$2500.00} which I have accepted as their policy. Holding my check for an additional week is unacceptable and unethical as they will receive these funds way before they release them to me.

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 06/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Other fee

Complaint: I made a purchase in the XXXX. This was converted at an fx rate ( a poor one ). I was charged 1.5 % by the merchant and 2.7 % in administrative charges. When I queried this they could not explain what these charges were and refused to itmemise them or that they had in fact incurred them. When I asked to dispute this, they resisted and ultimately said I would have to dispute the complete charge as they are related. When I ask for details of their regulator, they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XXXX XXXX, XXXX, I discovered that XXXX XXXX account number XXXX opened XXXX XXXX, XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XXXX and XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit 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 explanation
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage have informed me, ( See letter attached ) that they intend to charge Mortgage Insurance Premiums on my mortgage at {$260.00} per month until XXXX XXXX regardless of the value of the property with respect to the outstanding mortgage, ( " ... .new appraisals will not be taken in to consideration. When I took out the mortgage I was told MIP was payable so long as the LTV was greater than 80 %. I was then told that the MIP was payable for 5 years regardless of LTV, which would be until XXXX XXXX : Now it 's XXXX. This is despite the fact that my house now values at {$400000.00} with an outstanding mortgage of {$250000.00} which is an LTV of 65 % as of today! I regard this as a predatory and fraudulent lending practice. I am being forced to purchase MIP when it is completely unnecessary which Wells Fargo is completely aware of, at {$3100.00} per year until XXXX! This is a deliberate oppression of the consumer.

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 12/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Using a debit or ATM card

Complaint: I was an account holder at Wells Fargo Bank, I had numerous of unauthorized charges on my account. I contacted Wells Fargo and informed them on the charges that where put on my account. I sent them a police report and as well, next thing I know they froze my account until further notice and then I was told that my account was being closed, because of a business decision. I called corporate and the fraud department and they wouldnt let me talk to anybody but one specific department that told me that they didnt know why my account was closed, but it was a business decision. I never had a problem with Wells Fargo until I reported that thousands where taken out of my account without my consent. They held the money that I did have in my account for two weeks and I practically begged them to release my money because I had to pay for school and my daughters tutition. They only gave me half of my money and then released the rest later, and stated that if any other charges occur I will be charged for it. And if anything was left over they would send it to me in a check.

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 09/20/2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (TX).
Issue: Shopping for a loan or lease

Complaint: I received a letter from Prosper.com telling me I was pre-approved for a personal loan. When I went online and entered my confirmation code they said I could not get a loan at this time. Then they tried to redirect me to another loan program. I see invitations for credit cards and other types of loans all the time. None of them explicitly state that I was pre-approved for a loan. Prosper.com is definitely trying to mislead the public in their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company ( Ocwen ) wanted me to make monthly payment of {$530.00}. I paid from my bank account every 2 weeks with amount {$300.00}. They still tell me owed them? When I start my payment ; I set my bank account to made payment full amount of they want for this first month, and set my bank account to start pay as {$300.00} every 2 weeks. Total {$600.00} per month. When they told me I owed them ; I made the payment direct from my bank account ; paid them full amount they wanted for that month ; and split 2 payment of the next month start from middle of next month as one on XXXX or XXXX of the next month {$300.00} and {$300.00} at the end of next month. I did this as two three time. They still said I owed them and late payment? I call them to dress the problem ; they accuse and sometime they hanged up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from XXXX XXXX XXXX on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Non-federal student loan) with MOHELA (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Approximately XXXX XXXX, 2015, Mohela started robo-calling our home. My husband, XXXX, answered and was told he had a student loan debt. We are XXXX senior citizens and neither of us ever took out a loan to pay for school. The person representing Mohela would n't give him any information regarding the " XXXX '' they were looking for, but wanted my husband 's last XXXX digits of his social security number and his date of birth, which he refused to tell them. The robo-calls continued, so I looked up Mohela 's website XXXX www.mohela.com XXXX and XXXX called the phone number listed there ( XXXX ). He was told the " XXXX '' they wanted had a different middle initial than his and that the calls would stop. They still call XXXX a day. Thank you for your consideration of our problem. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with JPMORGAN CHASE & CO. (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have received a notice from the IRS stating that I have a cancellation of debt that was not included on my tax return. After much research and contacting the credit card company, I found out that someone had stolen my personal information and had a credit card issued. I am now having trouble with the financial bank to get this erase, and informing the irs that this is not my debt. the Irs is stating that I owe {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I hsve just been informed that I have wage garnishments now. I was not informed or properly served about the lawsuit even though they claim they served me. Anytime I have tried to talk to them about this all they will say is that they noted it in my account. I will have to be the one to fix it with a lawyer. This does not sound lefal. They are called wakefield and associates

Company response to consumer: Closed with explanation