milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: I obtained a loan from XXXX XXXX XXXX XXXX in XXXX XXXX for the amount of {$14000.00}. I paid on the car up until XXXX XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity Theft. On XXXX XXXX, I sent Equifax a properly constituted Identity Theft Report, which contained a completed FTC Fraud Affidavit which I swore the truthfulness to before a Notary Public, a completed Law Enforcement Page within the affidavit, filled out by the XXXX Police Department officer who took my report, and a copy of the XXXX PD Police Report. I also enclosed a copy of my ID and a utility bill to establish my identity. Finally, I identified the fraudulent information on my Equifax report and advised that the transactions had nothing to do with me. These actions met the requirements for blocking under FCRA 605B. 

Equifax claimed several times that they did n't receive the fax, so I sent them a letter, which they received on the XXXX of XXXX, 2017. Once Equifax received the documentation, they disputed the three fraudulent accounts on a thirty day " normal/non-identity theft '' dispute cycle where the information furnisher is able to just say that the information does indeed belong to me, which defeats the point of why 605B was amended into the FCRA. 

I have repeatedly called Equifax and they have stated that they can not over ride the decision of their mail room to put it in as a 30 day dispute. So they are unable to provide a reason under FCRA 605B ( c ) on why they refuse to block fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, Wells Fargo,XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. Wells Fargo sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a XXXX XXXX XXXX researcher, case # XXXX. The researcher called me 3 days later and said there is nothing XXXX  XXXX XXXX can do because the check cleared. I told my maid and she called the manager at her Wells Fargo Bank to relay this information. Wells Fargo said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in XXXX XXXX XXXX on XX/XX/XXXX and the Wells Fargo Bank letter saying my check returned unpaid [ bounced ]. My XXXX  account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from XXXX. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}? I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY.

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 12/13/2016 about Payday loan () with CNG FINANCIAL CORPORATION (NE).
Issue: Can't contact lender

Complaint: i do n't know if this is the right area.? a place called XXXX collection agency keeps calling. this last message said i am a direct decendent and civil action is going to happen to me cause of breech of contract on a payday loan i took out years ago. I saw online that place is a scam XXXX they called my mother and my cell phone. how can i stop them from calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we filed a chapter XXXX bankruptcy in order to try to keep our home after credit card companies increased their minimum payments by 2 1/2 times what they 'd been being. I simply could n't pay that much of an increase and when I attempted to work with the companies their answer was I had no opt out option on what the payments would be. I had years and years of perfect pay history but simply could n't go from an {$800.00} a month payment to a {$2500.00} a month payment. So the bankruptcy was n't a really my choice ... I had no other option..In XXXX my husband became ill and could no longer work and I had to take a cut in pay due to the economy having such a negative impact on the company I worked for. I contacted Bank of American in an attempt to modify my loan but was told that because we were in the Chapter XXXX there was n't anything that could be done. Since I only made {$35000.00} a year it obviously would be impossible to keep a home that payments and insurance was over {$30000.00} a year. At that point the home was surrendered back to Bank of American. Up until that point we 'd never paid a late payment on that home and had lived there for 11 years. In around the first part of XXXX XXXX notified us that they had acquired our mortgage and all future payments were to be made to them. I immediately contacted them and Bank of America trying to explain that this was all handled throught the courts in XXXX. Bank of America said they did n't have to abide by any such order. XXXX continued to pursue us for payment. Finally after several months XXXX ceased to call. In XXXX XXXX the home sold through XXXX. Reported on my credit bureau file was that I had a foreclosure through XXXX dated XXXX XXXX. So obviously this had an impact on my credit score and any hopes of me getting another home for at least 3 years. I attempted to get them to understand that they should have NEVER had anything on us because the BOA debt was discharged by the bankruptcy but they said that was n't true. I 've sent copies of the modification letter and judge signed document to both banks.. to no avail. So in an attempt to get into a modest home I have this hanging over my head as having just happened in XXXX. So I asked for help through XXXX. The result was a XXXX point drop in my credit score because XXXX shows that our payment history was over 120 days late with payments. When I referred this information to my attorney I was assured that Judge XXXX order was sufficient and I did not need to be concerned. XXXX response to XXXX was that it was THEIR loan and we never paid on time.. PLEASE help get this resolved. I 'd like to have a home again one day.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: After XXXX XXXX XXXX transferred my loan to NationStar Mortgage, which by the way I had no say, nor I agreed to have my loan transferred, NationStar Mortgage is charging me a {$10.00} processing fee for making my payment on line after the XXXX of XXXX, which was a Sunday, so I made the payment on the XXXX of XXXX, I called Nationstar Mortage to ask about the " processing '' fee, and for what, since no one else charges a processing fee when a payment is made on line, I was told that is because they have to process that payment through a third party, to what I replied, that if they are not well equipped and do n't have the systems to process payments, then they should not be in the " mortgage '' business, because not only that fee was NOT properly disclosed on my statement, nor it was disclosed anywhere on the initial letter I received once they took over my mortgage, I requested a fee schedule showing and disclosing the fee and the description, and I was told that they do n't give that to anyone, as they do n't have access to that information, because that is their third party processor. If Nationstar Mortgage is NOT a bank, what are they?. If Nationstar does have the systems to properly withdraw money from my bank for my mortgage, then they should not be in the mortgage business. XX/XX/XXXX was the first month I had to make a payment, and that was another phone call, because the information I was supposed to get, I did not received, because they were late in sending me the statement, so I have to pay for their mediocrity and inefficient way of running their business. I want a schedule fee and I want full disclosure of why I am responsible for them using a third party service.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (MA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my credit account in XXXX with the term that receiving XXXX bonus points after having {$50000.00} in acoount for 60 days. However, I still haven't received the bonus points today. I contacted citi 3 times ( through secured message, phone, and online chat ), and citi told me to wait at the beginning, and at the end refused to honor the term.

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 09/16/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (FL).
Issue: Managing the loan or lease

Complaint: This letter is a follow up to my original letter dated XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim closed, 150 days late. 

By not replying in a timely manner to my initial letter on XXXX XXXX, 2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was unaware that my dealership was going to put inquiries to several different banks. This was unauthorized on my Transunion Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 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 10/26/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I Initially contacted PennyMac to terminate my PMI. They are stating they requiring an appraisal even though, from what I understand, if my loan reaches XXXX % of the original appraised property value, they need to terminate immediately. My loan is currently ~XXXX % of the originally appraised value. 

They have not responded to me pointing out this law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Payday loan debt) with Big Picture Loans, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I borrowed XXXX and Ive paid XXXX via ACH debit from my account. I called them to check the back since I had maybe XXXX or XXXX more payments and they told me the interest of XXXX or more. I have already paid this company their money and now I am receiving emails aboou a balance which is interest. I was not informed XXXX XXXX interest rate on the loan and not XXXX in interest. I was unable to view the truth in lending until after i agreed to the loan and I believe that this company is practicing bad business and unethical practices online.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last year, I began receiving fraudulent electricity bills at my address with my name and address from XXXX XXXX for a service address in a different city over XXXX hours away from where I live. I repeatedly called XXXX to try to resolve this problem but was brushed off and lied to. I spoke with customer service agents, fraud department, billing and collections and even the office of the CEO. I was told over and over again that there was nothing I could do because I was not listed as an authorized user of the account. They said I should not worry because they had another party listed as the account holder. They could not or would not look into or explain how my name had been linked to this account. I asked for my name and address to be removed from the account but was told I could not because I was not an authorized user of the account. I was assured that there would be no repercussions and that my name did not even show up on the main account information page. XXXX refused to investigate, refused to accept a dispute, refused to take a complaint over repeated calls for months. 
Finally, the account became delinquent and we began to receive notices from XXXX and then from a debt collection company. I immediately contacted the debt collection company, who were helpful. They told me that XXXX had sent them the account with only my name and address, despite the fact that XXXX had told me over and over that I was not responsible for the account and could not make any changes and that there was another person name listed as primary responsible party for the debt. In short, despite all of this, when the account became delinquent I was the XXXX held responsible for the debt. They also told me I needed to and was entitled to file a dispute with XXXX. I called XXXX to confront them with this information and threaten legal action through a complaint to the PUB. In response, XXXX now, finally, claims to be taking action to clear my name, remove my address from the account and send a cease collection notice to the debt collection company. I have yet to see proof of this, and they do not intend to send me any proof. I fear that this negligence and incompetence on their part will end with me having to pay a debt that is not mine in order to clear the record of this bogus debt now associated with my name and address. And even if they have taken action to correct this fiasco, I can not forgive the months of incompetence that preceded it. 
I want to reiterate that at this time, GC Services collection company is NOT in any way responsible for this, as they explained to me that XXXX sent the wrong information to them. I hope this will continue to be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I currently have XXXX student loans with Navient. I contacted them to see about consolidating these loans and lowing my interest rate that at the times were 6 % 5 % 4 % before finding another company. About a month later my interest rates were raised to 8 % 8.5 % and 6.75 %. I feel like they did this to make as much money as possible with the information that I maybe refinancing with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint. 

The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " XXXX XXXX ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company. 

During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me. 

Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. All of these accounts have been disputed, closed and removed from my credit reports. 

I have also attached the FTC affidavit of identity theft to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My lender is telling me I owe almost {$12000.00} in attorney fees to them and refuses to give me any kind of accounting as to what the charges are for and why the amount is so high.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This account is showing up on my credit reports stating that I owe the amount of {$1100.00}. On XX/XX/XXXX I sent a letter to Resurgent/XXXX requesting proof of verification with my original signature, which I did not receive. I made another attempt on XX/XX/XXXX to obtain proof which again I did not receive. Their last correspondence with me was XX/XX/XXXX in which they provided an " account summary '' as verification of the debt. As per the FTC, a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX HAS ME REPORTED TO XXXX & EQUIFAX AS HAVING A NEGATIVE ACCOUNT?? I CLOSED THE CREDIT CARD A COUPLE YEARS BACK DUE TO NOT WANTING TO PAY THE YEARLY FEE. THE NEXT THING I KNOW, THAT REPORTED ME AS HAVING A MISSED PAYMENT WHICH I NEVER DID. AND I GOT IT REMOVED BEFORE. AND NOW IT 'S BACK ON MY CREDIT REPORT AGAIN?!? AND THIS TIME IT HAS 2 MONTHS AS LATE AND THE MONTHS ARE EVEN REPORTING DIFFERENT.?!!? 
AND THEY HAVE BEEN RUNNING INQUIRIES ON ME AND I DONT EVEN HAVE AN ACCOUNT WITH THEM ANYMORE!!!?!? 

THEY CA N'T DO THIS. IT 'S HIGHLY ILLEGAL. AND IM GOING TO SUE AT THIS POINT. THIS IS RIDICULOUS!!

Company response to consumer: Closed with explanation