milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I began making payments on a debt for XXXX XXXX XXXX with a credit collector named XXXX. The file was pulled on XXXX/XXXX/14. I was then sent a bill from Penn Credit in XXXX of 2014. I called the company and asked them why my balance had not changed. They told me they had no record of payments. I told them I made five payments toward the bill and they told me to fax them proof. I spoke to XXXX and faxed the proof of payment on XXXX/XXXX/14. XXXX told me that the proof would be submitted and investigated and they would contact me with the results. Over one year later I received a new bill from Penn Credit and the balance was reduced by one payment. Instead of wasting more time I am sending the proof to you. I will not make payments until they reflect my true balance. I paid {$620.00} of the debt and should get full credit for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016 I sent money via Western Union online to a family member. On XXXX XXXX, 2016, I cancelled the transaction. Initially, the customer service representative indicated that it would take three ( 3 ) to four ( 4 ) business day for the refund to be applied to my debit card. I made a subsequent phone call to Western Union on XXXX XXXX or XXXX to inquire about the nonexistent refund. The customer service representative then informed me that the refund would actually take up to seven ( 7 ) business days to process. Today, XXXX XXXX, 2016 is that seventh ( 7th ) business day and still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Debt collection (I do not know) with D&A Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DNA has called my cell phone saying I have a debt, and to please contact them. I called to be told by a recording, this is attempt to collect a debt. I later heard from a representative asking if it is okay to continue on. I agreed to hear what they were talking about, and the process begin. I was asked all my personal information to find out they were harassing the wrong person, I did not want to disclose my personal information over the phone. After they told me they had the wrong person and the name given was my mother. I asked them to disclose the debt since they had asked me, my personal information, I was told I was n't on the account could not disclose her personal information without her consent. I did not give my mother my consent to be a credit reference. I 'm highly upset, there should be a law against putting a person on a loan for credit reference without their consent when applying for a loan.Also stop debt collectors from perusing non applicant ( credit references ).

Company response to consumer: Closed
Consumer complaint received 05/16/2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an open account with a company that I currently have a car with. I make regular bi-weekly payment to this company. They have done a hard inquiry on my credit report.   On  XXXX    XXXX   ,2017  my score declined by  XXXX  points for this unauthorized transaction. I contacted the company and asked them why they did this and they said because they were trying to get a hold of me and that I failed to return a phone call. My account was  ( 1 ) ) day late.They said that they were not going to correct the transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: after years of attempting to secure a loan modification ( 11+ % ) rejected each time, even w/hardship letters, ( XXXX ). company foreclosed, on day of Sheriff sale, we filed bankruptcy Chapter XXXX ( this is a legal automatic stay ) ( XXXX XXXX, 2017 ) XXXX XXXX Denied the automatic stay sighting a section 362 ( c ) ( 4 ) ( A ) ( I ) of bankruptcy code. Note : research of legal library failed to reveal such a provision. [ XXXX XXXX lawyer for Greentree/Ditech. No. XXXX Premises : ***** ** XXXX Rd. ******, **. 1**** ]. The XXXX County Sheriff 's proceeded w/sale. Even though the involved parties were aware of the bankruptcy. We know our rights have been violated be parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted several times to have my home equity line of credit refinanced at a lower interest rate but Wells Fargo keeps denying my application. They wo n't refinance my second mortgage so I can keep paying their outrageous high interest rate.

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 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Debt collection (Credit card) with CL HOLDINGS LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this credit card i 've been working to pay this off for the last nine months. making payments to jefferson capital. please correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: The account activity is missing transaction that was reversed. I have already asked about On XXXX/XXXX/XXXX statement the Principal unpaid balance was {$29.00}, XXXX ; on XXXX/XXXX/XXXX - it was {$28000.00}. After one more extra principal of {$500.00} and interest payment - the balance in XXXX/XXXX/XXXX is {$28000.00} amounting to only {$280.00} being applied. Wells Fargo ignored the inquiry/complaint that was faxed on XXXX/XXXX/XXXX ( see fax confirmation ). on XXXX/XXXX/XXXX - Per XXXX XXXX Customer Service - after XXXX payment - I could have expected my balance to be : {$28000.00} Balance as of XXXX/XXXX/XXXX XXXX Less : Principal Payment XXXX {$500.00} Less : Regular Payment XXXX Estimated Principal Balance prior to adjustments {$28000.00} It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the Mainframe systems showed 3- {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account XXXX XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the 3 {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. Another issue is that the payment on XXXX of which they are not supposed to draw since I told Customer service to change from biweekly to monthly was kept once again in Unapplied funds and was not applied until XXXX/XXXX/XXXX. This should have been applied to Principal as the payment for XXXX was already completed on XXXX/XXXX/XXXX. 
This reversals and misposting of my payments have been going on and reported way back around XXXX of XXXX and to this date are never corrected satisfactorily. I have spent countless hours and could not take my XXXX tax to accountant to amend due to inaccuracies. I am to a point of emotional breakdown everytime I deal/talk to Wells Fargo since that time in XXXX XXXX of which my mother was 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 monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing this complaint letter for Rent Automated Collections. Their address is XXXX XXXX XXXX XXXX TN, XXXX. They are reporting this on my credit report, RENT DEBT AUTOMATED COLLECTIONS- XXXX XXXX XXXX XXXX for {$1000.00}. I contacted them to have this debt verified since I filed bankruptcy last year. They sent me a bill and stated that the debt it valid. As this is not a valid debt. I do not owe a balance to this property, period. I tried calling the original creditor, XXXX XXXX and I learned that they no longer exist. The property is under a new name XXXX @ XXXX and management. The property manager advised me that there was no record of my rental history or balance. I continued to research this matter further. Enclosed is the original lease as well as the last payments I made on the account. I signed a six-month lease which ended XX/XX/XXXX. Per property policy, I gave my 60-day move out notice onXX/XX/XXXX moved out onXX/XX/XXXX. I paid my final month of rent which was {$940.00} onXX/XX/XXXX. Upon leaving, I provided them with a forwarding address for my last bill. Roughly a month later, I received a final bill for {$65.00} ( please see XXXX bank statement ). I paid this balance as soon as I received it. That was the final correspondence I received. Additionally, I paid a {$270.00} deposit when I moved in and the property has no record of that either. I have never left a balance on any rental property that Ive moved from, nor have I ever broken a lease. I travel for a living, so I can not afford to carry any balances. Most recently, this misreported error has caused me to get denied for an apartment home. Enclosed are the bank statements, original lease and billing statements as proof that this debt is invalid. Please help me get this invalid item removed from my credit report. As this is the only collection that I have on my credit report. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (I do not know) with American Coradius International LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a debt collection letter for a debt through XXXX. I have not had an active XXXX Account since 2007. I contacted XXXX about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former XXXX account holders. It appears it is a collection scam. https : XXXX So I am filing a complaint before they try and hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX I sent out a 609 letter informing equifax, XXXX and XXXX credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling equifax I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that equifax knew that people 's information was compromised and did n't do anything after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Settlement process and costs

Complaint: good faith estimate changed 3 times and interest changed right before closing. My funds to close went from XXXX-XXXX then to finally close with the total needed XXXX need to know why on a low money down loan with 6 % seller assist I needed that much money to close and why I did not get credit for the appraisal I paid for when I was told that I would. I feel that Quicken loans overcharged me by XXXX and changed my interest rate from 3.85 to 4.125 when they claimed the lock in had expired. This loan was a nightmare to close and almost cost me the sale of my mobile home and the purchase of this house in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Incorrect/missing disclosures or info

Complaint: I transferred money via MoneyGram at a XXXX store to my daughter in the United States.  My complaint is that there was no indication of fees until the end of the transaction and never any indication of the basis of the fee.  I couldn't tell if I could save money by sending more or less.  I couldn't tell if the fee was based on the amount I was sending or just a transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Payday loan () with Concord Resolution Inc (Closed) (IL).
Issue: Applied for loan/did not receive money

Complaint: keep getting phone calls from debt collection agency. 
they claim i owe a debt to an internet payday loan company. 
I never received any money in my account from this company. 
The debt collector is concord resolutions llc. their phone number is XXXX XXXX XXXX. I never got any paperwork or money form the company they say i owe money

Company response to consumer: Untimely response
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I heard that Equifax may have had an information leak and started doing some research on it today, XX/XX/2017. I know now that over 143 million users of this credit report company had their information stolen ( including names, addresses, birth dates, social security numbers and even driver 's license numbers! ) and that the hacking to get the information began all the way back in XX/XX/2017. After checking with the Equifax newly-setup website ( https : //www.equifaxsecurity2017.com/XXXX ) I have now found out that both my wife and I may be affected in this situation. 

I am flabbergasted that a company that is valued at ~ XXXX XXXX could n't put some amount of money into making sure the information they kept was secured and safe. I am in shock that peoples ' PERMANENT information ( including social security numbers!! ) were leaked into the public internet.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had checked XXXX on XXXX XXXX as I prefer to stay on top of my reports and I also checked on XXXX XXXX to find over XXXX inquiries that I did n't authorize. Nor is my signature on the inquiries. I only authorized XXXX I had called and spoke to numerous reps who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires but also tell me no one was affected by the glitch when it was on all news channels even with proof in hand and they flat out refuse to connect you to a supervisor or anyone in the American offices to handle this matter per my request After 35+calls I gave up .None of the reps were remotely helpful or even knowledgeable some knew and some were quite belligerent and knew of the issue but just said sucks to be 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 explanation
Consumer complaint received 09-10-2015 about Student loan (Non-federal student loan) with Andrews & Cox, P.C. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I request for my Credit report be sent to me and was surprisingly to see a judgement against me from XXXX XXXX XXXX XXXX after years of harassment during be unemployment. I fought with them from XX/XX/XXXX until they stopped in XX/XX/XXXX and now I see while they stopped even though they did not during the time mentioned below as I send them constantly letters stating that I was unemployment. 

Several of their collection agencies and attorneys just ring out to me all day everyday, including the weekend but never stopped. 

Now there is a surprisingly judgement on on credit report what involving Bleeker, Brody & Andrew, that first send me a warrant that was take to my residence door for another consumer and then lied and said that was me and found out that the other consumer was given my warrant. When I went to court, I explain to the courts and gave them a copy of the warrant and the judge was not please. I also explain to the court that they have been harassing during my hard time being out of work and collecting unemployment and again, the judge was not happy. Bleeker, Brody & Andrew also lied that they send my copy of my original warrant XXXX, and then I received a copy the day of the court date but they are allowed to put a judgement on my files. 

Now, since I did not have any money to get to court, I wrote letters them and let them know. So in between not able to afford to go to court, somewhere in there this judgement was place on my records. 
I know that I owe them because how do you repay during hard times. When I talked to XXXX XXXX and the attorneys, they instructed me to sleep in my car until I repay them back. 

I have tracking letters of this and hope that I can attached them as I have contact you before re : this harassment with XXXX XXXX XXXX loan and Bleeker, Brody & Andrew out of XXXX, GA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I have XXXX XXXX on Coinbase, and their vault walelts stopped working before the XXXX Cash fork. I am now unable to collect a potential $ XXXX because of their bug not sending and email! I may never see .y coins again because their support is non existent!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Credit decision / Underwriting

Complaint: I applied for a HARP refinance loan on XX/XX/XXXX at Wells Fargo. All required documentation ( XXXX signed taxes with XXXX, pay stubs, insurance declaration pages for all homes, credit report with a written explanation of addresses and inquiries ) was provided that day to the bank except for the insurance declaration page for my primary residence which was provided the following morning at XXXX XXXX XXXX. The loan processor has systematically mishandled the loan process from repeatedly requesting documentation that was provided the first day because she had the application pages out of order ; confusing my file with another file regarding a business operation and investors instead of a single family residence with an accessory unit ; requesting signed full year leases from all rental properties to prove rental income ( NOT a HARP requirement ), and other lengthy errors which can be provided from texts and emails if needed. It is now almost three months later the application loan rate has expired and the bank continues to be unresponsive in helping to resolve this issue. Wells Fargo attempting to placate me with explanation of overworked departments and vacation times and that the file has been bumped up to the escalation team but to date no contact or resolution has been forth coming. They plan to have me continue paying a higher interest rate. They have no interest in providing the HARP loan services mandated by the federal government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation